Beacon Health Options Insurance Coverage for Alcohol and Drug Rehab

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Drug and alcohol abuse has incredibly damaging effects on individuals, their families, and entire communities. Rehab treatment is available to help addicted people recover from these problems, but isn’t cheap and presents a significant stumbling block for many people. Deciding to get help and working on one’s recovery is hard enough without having to worry about the financial aspects of treatment.

Due to the high cost of rehab treatment, many addicted individuals are reluctant to seek the help that they so desperately need even if they want to live a life that is once again clean and sober. The 2010 Affordable Care Act has recognized this as a problem and has put certain provisions in place to classify addiction as a mental illness. As a result, insurance companies now have to put coverage in place for treatment. If you have Beacon Health Options insurance coverage, you should be able to have some, if not all, of the costs of rehab covered for you and take the first step on the road to living a better life.

Thanks to your insurance coverage, you will be able to benefit from some of the elements in your plan to fully or partially cover the cost of going to rehab. Now that addiction is recognized as a treatable, manageable, chronic disease and not a moral failing, more help is out there for you as well.

How Beacon Health Options Help You with Rehab

If you have a policy with Beacon Health Options and you want to go to rehab, you can relax in the knowledge that you will be covered. Exactly to what extent depends on the personal plan you have opened with them. With the greatest amount of coverage, you can have detox and inpatient or outpatient care completely paid for. It’s important to speak to your insurance company or to the rehab center that you are considering so that you can confirm exactly what will be paid for and the likely amount that you will have pay out of pocket.

Detoxing in Qualified Centers

All forms of addiction should be treated with a period of detox first. Your substance abuse has affected both your brain and body, and this must be the first thing to be resolved. Withdrawal symptoms are common with most substances that have been abused, and these can potentially be fatal, which is why it is incredibly important that you are medically supervised during this period. You must be kept as safe and comfortable as possible during this critical period.

Withdrawal symptoms vary tremendously depending on the substance abused, how long you used it, and at what dosage. Some withdrawal symptoms include seizures, heart failure, hallucinations and anxiety. With drugs, such as alcohol, prescription painkillers, benzodiazepine, or heroin, you are likely to experience both psychological and physical symptoms. Withdrawing from ecstasy or cocaine, by contrast, is more likely to be psychological only.

If you find a qualified rehab facility covered by Beacon Health Options, you will be able to get the help you need to properly recover and detox from your addiction. In good facilities, you will be provided with the tools, resources, and knowledge that will enable you to move on to the road to full recovery after your period of detox, making a life without drugs possible.

Quick Stats:

Almost 38 million people have admitted to have used cocaine in their lifetime.

Why Do We Need Coverage for Behavioral Health?

Addiction is now recognized as a chronic disease that has similar effects on the brain as various mental health disorders. Drugs rewire the brain, changing how people experience sensations of reward and please. People quickly become not only psychologically dependent on the substances, but also physically. In fact, the National Institute on Drug Abuse estimates that there are currently some 23.5 million people with active addictions in this country.

The impact of this is huge; even the national economy is affected by it. According to NIDA, around $700 billion is spent every year on issues relating to drug addiction. This money is spent by the health care industry and the criminal justice system. The Substance Abuse and Mental Health Services Administration has stated that just 11 percent of those 23.5 million people who are currently addicted get the help that they need. Add to this the fact that people with addictions need a lot of time off work, it becomes increasingly clear that addiction truly affects us all.

Dual Diagnosis and Co-Occurring Disorders

One specific problem within the world of addiction is that many people have a co-occurring disorder. This means that besides having an active addiction, they also have a mental health problem, such as bipolar, depression or anxiety. Sometimes, these conditions are caused by the addiction but at other times, it is the other way around. This doesn’t matter. It is important that both issues are treated together rather than as two separate entities. Beacon Health Options understands this very well.

Quick Stats:

In 2014, over 913,000 people were reported to be addicted to cocaine.

What Sets Beacon Health Options Apart from the Rest?

Beacon Health Options has a strong focus on behavioral health programs. This is also why they offer one of the most comprehensive coverage offered by insurance companies. The company understands very well that addiction is a mental health illness and that it requires treatment like any other chronic illness such as asthma or diabetes.

The Beacon Health Options website has been designed to ensure that members can get all the information they need about their personal condition. Information on the treatment options that are available can also be found on the website. The focus is strongly on providing a service that is caring and understanding but delivered through clinical practice at the same time. As a result, people who currently suffer from an addiction, as well as those who also have a co-occurring disorder, no longer need to feel disrespected or marginalized, as they would with many other insurance carriers. For Beacon Health Options, members are incredibly resilient and should be treated respectfully and compassionately.

Quick Stats:

70% to 80% of the world’s cocaine comes from Columbia.

How Can the Insurance Company Help?

One of the reasons why just 11 percent of people who need treatment for a substance abuse problem get the help that they need is because the cost of rehab is unaffordable for many people. This is more of a fear than a fact as insurance coverage is available. Too many people continue to not even check whether they may be covered. It is important that you speak with a representative from your insurance company to find out what you are eligible for. By calling (866) 578-7471 you can determine what your insurance plan covers to make a decision on how you will proceed with your rehabilitation.