All people should be able to pay for addiction treatment if they need it. Unfortunately, though, alcohol and drug rehab aren’t free. Thus, if you plan on attending rehab, it’s important to figure out how you’re going to pay for treatment. The most cost-efficient way to pay for rehab is to do it through your health insurance. This is because the Affordable Care Act (ACA) now requires health insurance companies to offer just as much coverage for addiction and mental health treatment as they do for physical ailments. Beacon Health Options, formerly known as ValueOptions, is a great health insurance option that people can use to help pay for rehab.
Beacon Health Options is a health insurance provider that focuses on improving the health and well-being of people that suffer from mental health and substance use disorders. That is why Beacon Health insurance provides recovery-focused programs and partners with the same values. In doing so, Beacon Health Options has established a strong support structure that caters to the physical, behavioral, and social health needs of its members. This support structure is filled with doctors, nurses, therapists, advocates, and members.
The mission of Beacon Health Options is to help people live their lives to the fullest potential by improving their health under their care. The corporate values of Beacon Health Options are based on integrity, community, dignity, resiliency, ingenuity, and advocacy.
In-Network Healthcare Providers vs. Out-of-Network Healthcare Providers
When using Beacon Health Options to pay for addiction treatment, it’s best to attend a rehab center that accepts Beacon Health Options as an in-network provider. This is because individuals will receive more insurance coverage for their addiction treatment programs if the health insurance that they’re using to pay for rehab is within the addiction treatment center’s network. But what exactly does it mean for an insurance company to be within a healthcare provider’s network?
It means that the particular rehab center has a contract with that insurance company to accept more coverage for its members. In exchange, the insurance company provides referrals to the healthcare provider’s facilities. Therefore, if a rehab center has an in-network contract with Beacon Health Options, using that insurance at that rehab center will increase the amount of coverage that the rehab center will accept. This, in turn, will lower the amount of required out-of-pocket costs. In other words, when an insurance company is in-network at a healthcare provider, patients with that insurance save money.
When an insurance company isn’t in-network, it means that the healthcare provider doesn’t have a contract with that insurance company. This means that the healthcare provider won’t accept extra insurance coverage for the members of that insurance company. Thus, people receiving care with insurance that’s not within a healthcare provider’s network will have to pay more money out-of-pocket.
Types of Health Insurance Plans
Whether a person is receiving health insurance from Beacon Health Options or some other health insurance company, he or she can likely receive one of the following types of health insurance plans.
Health Maintenance Organizations (HMOs)
Health maintenance organizations, otherwise known as HMOs, are health insurance plans that require members to receive care from healthcare providers that are within the insurance company’s network to receive coverage.
Preferred Provider Organizations (PPOs)
Preferred provider organizations, or PPOs, are health insurance plans that will still provide some coverage for care at out-of-network healthcare providers. The rate at which insurance companies provide coverage for care at out-of-network healthcare facilities with a PPO health insurance plan will just be lower than what it would be for coverage of care at in-network healthcare facilities.
Point-of-Service (POS) Plans
Point-of-service, or POS, plans are more flexible when it comes to receiving coverage for care at out-of-network healthcare providers. Individuals with POS health insurance plans still need a designated in-network primary care physician, though. They just need their primary care physicians to refer them to other healthcare providers to receive some coverage for care.
Forms of Addiction Treatment Covered By Beacon Health Options
Beacon Health Options is an ideal form of health insurance to use to pay for rehab. This is because Beacon Health Options specializes in providing coverage for physical, behavioral, and social health needs.
Detox is the process of ridding the body of all substances. Oftentimes, detoxing from alcohol or drugs causes individuals to experience severe withdrawal symptoms. To ensure that these withdrawal symptoms are managed properly, it’s important to attend detox at a professional medical detox facility. There, individuals can receive medication-assisted treatment (MAT) to help them manage their withdrawal symptoms while detoxing.
Beacon Health Options insurance covers some, if not all, of the cost of detox. The rest should be covered by a health savings account or employee assistance program.
Medication-Assisted Treatment (MAT)
When individuals receive medication-assisted treatment, it increases the cost of detox. Luckily, Beacon Health Options usually covers the cost of MAT. Medications that doctors prescribe to individuals during detox help them manage their withdrawal symptoms. These medications include buprenorphine, naloxone, and naltrexone.
Inpatient addiction treatment programs are rehab programs that require their patients to live in rehab facilities while receiving care. This is because individuals that attend inpatient addiction treatment have severe addictions that require 24/7 care and monitoring.
Inpatient forms of addiction treatment are the most intensive forms of rehab. There are two types of inpatient treatment programs: standard inpatient treatment and residential treatment. Both of these types of inpatient treatment require their patients to live in rehab facilities while receiving care.
Both of these types of inpatient treatment also provide 24/7 care and last for anywhere from 30 days to a year. The main difference between standard inpatient treatment and residential treatment is that residential treatment is slightly less structured.
Thus, residential treatment patients get more free time and time to take part in holistic treatment activities. Beacon Health Options typically provides coverage for all in-network inpatient treatment programs.
Inpatient treatment services that Beacon Health Options typically covers include:
- Individual therapy
- Group therapy
- Medical exams during treatment
- Cost of inpatient stay
- Initial addiction treatment assessments
Outpatient addiction treatment programs are rehab programs that don’t require that their patients to live in rehab facilities while receiving care. Thus, the individuals that attend outpatient forms of treatment tend to have less severe addictions than those that receive inpatient forms of treatment.
There are three main types of outpatient treatment. The most intensive type of outpatient treatment is partial hospitalization program (PHP) treatment. This form of treatment is for individuals with moderate to severe addictions. PHP treatment requires that patients attend rehab for five to eight hours a day, five to seven days a week.
The second most intensive form of outpatient treatment is intensive outpatient program (IOP) treatment. IOP treatment requires that individuals attend rehab for a few hours a day, a few days a week.
The least intensive form of outpatient treatment is standard outpatient program (OP) treatment. OP treatment only requires patients to attend rehab for a couple of hours a day, once or twice a week.
All types of outpatient treatment are typically covered by Beacon Health Options insurance at an in-network provider. Out-of-network outpatient treatment programs should consult Beacon Health Options to see what amount of coverage they can receive.
Dual Diagnosis Treatment
Many individuals with substance addiction also suffer from mental illness. When individuals simultaneously have a substance use disorder and a mental health disorder, they have a dual diagnosis disorder. Another name for dual diagnosis disorder is co-occurring disorder. Individuals with dual diagnosis disorders must attend dual diagnosis treatment to get better.
Beacon Health Options typically covers the cost of a dual diagnosis evaluation. Consult Beacon Health Options to know exactly how much coverage one can receive for dual diagnosis treatment from in-network and out-of-network healthcare providers.
Take Advantage of Beacon Health Options Insurance At Florida Center for Recovery
Florida Center for Recovery is within the network of Beacon Health Options, or ValueOptions. This means that all Beacon Health insurance members can receive coverage for inpatient forms of treatment at Florida Center for Recovery. Some Beacon Health Options members can also receive coverage for forms of outpatient addiction treatment at Florida Center for Recovery.
Florida Center for Recovery is a renowned addiction treatment center in the United States. Florida Center for Recovery provides individuals with compassionate and affordable care with effective specialized treatment through inpatient services. This is great for Beacon Health Options members. This is because Beacon Health Options typically provides full coverage for inpatient forms of treatment.
Florida Center for Recovery’s specialized and individualized alcohol and drug treatment programs are the most comprehensive models of addiction treatment in the U.S. This is because they utilize integrated approaches to treat regular addiction treatment and dual diagnosis treatment. The approaches that Florida Center for Recovery uses to treat addiction include holistic and alternative therapies along with 12-step programs and non-12 step programs. To learn more about Florida Center for Recovery and the various addiction treatment programs, therapies, and services that we offer, contact us today! Our admissions specialists can also answer any insurance-related questions that you may have.