Beacon Health Options
Beacon Health Options covers mental health services. Beacon often covers different kinds of psychotherapy depending on your specific insurance plan. Therapy options usually include coverage for mental health conditions and substance use issues.
Your therapist may use various techniques, but some common types of individual therapy that Beacon Health Options usually covers include Cognitive Behavioral Therapy (CBT) and Psychodynamic Therapy. You may also be covered for family or group therapy under your Beacon Health Options plan, depending on your specific coverage details.
Before starting therapy, double-check that your therapist accepts your Beacon Health Options insurance plan. You can also contact Beacon Health Options directly to find out more about what therapies your plan covers. To contact Beacon, call the number on your insurance card or use the online client portal.
Like most insurance, Beacon Health Options don’t usually covert to couples counseling, life coaching, career coaching, and therapy sessions outside the therapy office. Contact the company directly if you’re not sure whether your plan covers a particular therapy.
The cost of therapy with Beacon Health Options changes, depending mostly on two key factors, your specific plan’s benefits and whether you’re seeing a therapist who’s in-network with Beacon Health Options. Your deductible is the total amount you need to pay for medical costs each year before your insurance coverage begins. All your medical costs contribute to this, not just therapy costs. If you haven’t met your deductible for the year, your insurance usually will not cover therapy sessions, and you will be responsible for the total cost.
After you meet your deductible, your coinsurance is a set fee you pay at every therapy session. It typically ranges from $15 to $50 per session. Depending on what kind of plan you have, you may need to get a referral from your primary care physician to see a therapist through Beacon Health Options. Here are the requirements, HMO, yes, you’re typically required to see your primary care physician for a referral before your insurance company will provide outpatient therapy coverage, POS, yes, you’re typically required to see your primary care physician for a referral to therapy before your insurance company will provide outpatient coverage, PPO, no, you typically don’t need to see your primary care physician for a referral before accessing outpatient mental health services, EPO, no, you typically don’t need to see your primary care physician for a referral before accessing outpatient mental health services.
Learn more about Beacon mental health coverage.