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Finding the most effective treatment for your substance use disorder can be a cumbersome process as you search for the right treatment program for your needs, explore your recovery goals, and decipher through payment options. When understanding insurance, it is easy to get overwhelmed by the technicalities and different terms.
At Wavelengths Desert Recovery, we provide services designed to meet your needs. Our clinical staff is available to answer any questions regarding your Beacon insurance plan and payment options for your treatment program.
You may know Beacon insurance by its original name, ValueOptions, or its full name Beacon Health Options. While providing health insurance, Beacon primarily works to provide treatment and additional coverage for behavioral health and mental health needs.
In 2020, Beacon became an Anthem Inc. insurance network member to provide coverage in all 50 states. As of this year, Beacon covers around 40 million people and partners with around 65 different insurance providers and plans.
Addiction treatment can be intimidating, but your insurance policy shouldn’t be. The first step to confidently navigating treatment is understanding your insurance options.
Deductible: This is the amount you will have to pay out of your pocket each year before the insurance begins to cover. Usually, these reset yearly.
Copayment: Your copay is often the set amount of money you will have to pay for a specific purpose. For example, you may have a $30 primary care copay, meaning you will pay $30 every time you go and visit your primary care doctor.
Premium: This is the monthly cost of your insurance plan that you pay for. Generally, the higher the premium, the lower the deductible and out-of-pocket costs.
Coinsurance is usually the percentage you’ll pay out of pocket compared to what insurance will cover.
The Beacon Exclusive Provider Organization plan is the highest monthly cost of all available Beacon plans. However, you will likely have little to no deductible that must be met before the insurance begins to cover treatment.
Additionally, you will be free to choose between in-network and out-of-network services with no referral.
Initially, insurance companies could charge additional premiums or deny coverage if you had pre-existing or severe conditions. However, after passing the Affordable Care Act in 2014, insurance providers can no longer deny coverage or charge extra for pre-existing conditions.
Due to the extensive substance abuse and mental health services needed for addiction treatment, a health insurance provider is required to classify substance abuse as a pre-existing condition.
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