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Beacon Insurance offers comprehensive coverage for drug rehab and addiction treatment, providing individuals with the support they need to overcome substance abuse issues. With the rising epidemic of drug addiction in the United States, having access to proper treatment is more important than ever. Beacon Insurance understands the importance of addressing addiction and offers a range of coverage options for rehab and treatment services.

From detox programs to outpatient therapy and residential treatment facilities, Beacon Insurance covers a variety of services to help individuals on their journey to recovery. With a focus on holistic and evidence-based treatments, Beacon Insurance ensures that members have access to the most effective and personalized care available. Whether it’s addressing a substance abuse problem or co-occurring mental health issues, Beacon Insurance is dedicated to providing support and coverage for those in need of addiction treatment. 

Our professional and friendly counselors are available 24 hours a day, 7 days a week.

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1.Does Beacon Health Insurance Cover Drug and Alcohol Rehab in California?

Yes, Beacon Health Insurance, now known as Carelon Behavioral Health, offers coverage for drug and alcohol rehabilitation services in California. This aligns with the Affordable Care Act (ACA), which mandates that insurance plans include mental health and substance use disorder services as essential health benefits. Consequently, Carelon’s plans provide at least partial coverage for various addiction treatment services. The specifics of your coverage—including co-insurance rates, deductibles, out-of-pocket maximums, and co-pay amounts—depend on your individual plan. It’s crucial to verify your coverage details to fully understand the extent of your benefits.

2. What Types of Addiction Treatments Does Beacon Cover?

Carelon Behavioral Health offers coverage for a comprehensive range of addiction treatment services, ensuring individuals receive appropriate care tailored to their specific needs. The types of treatments covered include:

 

1. Detoxification

The initial phase of treatment where the body eliminates substances under medical supervision. Detox can cause uncomfortable and potentially dangerous side effects, which are sometimes managed with prescription medications.

 

2. Inpatient Rehabilitation

Also known as residential treatment, this involves living at a rehab facility for a set period. Patients participate in individual and group therapy to address the root causes of addiction and develop coping mechanisms for sustained recovery.

 

3. Partial Hospitalization Programs (PHP)

These programs involve attending treatment multiple days a week for several hours each day. PHPs are particularly beneficial for individuals who have completed inpatient rehab but still require a high level of care.

 

4. Intensive Outpatient Programs (IOP)

IOPs offer more structured treatment than traditional outpatient programs, typically involving attendance several days a week for a few hours at a time. This allows individuals to receive intensive therapy while maintaining some aspects of their daily routines.

 

5. Outpatient Treatment

These programs vary depending on specific needs. During outpatient treatment, patients live at home and attend therapy sessions during the day. This option is suitable for those with a less severe substance use disorder, individuals needing to attend school or work, or those who have completed an inpatient rehab program.

 

6. Aftercare Services

Post-treatment support is crucial for sustained recovery. Aftercare may include ongoing therapy or support group meetings. The goal of aftercare programs is to help individuals reintegrate into daily life and maintain their sobriety.

3. Does Beacon Cover Mental Health and Co-Occurring Disorder Treatment?

Yes, Carelon Behavioral Health provides coverage for mental health services and treatment for co-occurring disorders, where an individual experiences both a mental health disorder and a substance use disorder simultaneously. Addressing both conditions concurrently is crucial for effective treatment and sustained recovery. Carelon’s coverage typically includes:

  • Inpatient and Outpatient Mental Health Services: Access to various levels of care, including hospitalizations and outpatient programs, tailored to individual needs.
  • Counseling and Therapy Sessions: Coverage for individual, group, and family therapy sessions to address mental health and substance use issues.
  • Medication Management: Support for prescription medications necessary to manage mental health conditions.
  • Support for Co-Occurring Conditions: Integrated treatment approaches that address both mental health and substance use disorders.

Medication Management: Support for prescription medications necessary to manage mental health conditions. ​ Support for Co-Occurring Conditions: Integrated treatment approaches that address both mental health and substance use disorders. ​ Common co-occurring mental health conditions covered include depression, anxiety disorders, bipolar disorder, post-traumatic stress disorder (PTSD), obsessive-compulsive disorder (OCD), and schizophrenia. It’s essential to review your specific plan details to understand the extent of your coverage and any requirements, such as pre-authorization or network restrictions.

4. What Substance Addictions Does Beacon Cover in California?

Carelon’s California health insurance plans provide coverage for treatment of various substance use disorders, including but not limited to:

  • Alcohol Addiction: Coverage includes detoxification, inpatient and outpatient rehabilitation, counseling, and support services.
  • Opioid Addiction: Treatment for dependence on prescription painkillers or illicit opioids, encompassing medication-assisted treatment (MAT), therapy, and rehabilitation programs.
  • Stimulant Addiction: Addresses dependencies on substances like cocaine and methamphetamine through comprehensive treatment plans.
  • Marijuana Addiction: Provides support for individuals seeking treatment for cannabis use disorder.
  • Prescription Drug Addiction: Covers treatment for misuse of prescription medications, including sedatives and stimulants.

The specific coverage details, including the extent of services and any associated costs, depend on the individual’s Carelon plan. It’s advisable to review your policy documents or contact Carelon directly to understand the exact benefits available under your plan.

5. How Can I Verify My Beacon Health Coverage for Rehab Services?

Verifying your Carelon (formerly Beacon Health Options) coverage for addiction treatment services is an important first step in beginning your recovery journey. Here are several ways to confirm your benefits:

  • Call Carelon Directly: Use the member services phone number listed on the back of your insurance card. A representative can explain the specifics of your plan, such as what types of treatment are covered, any deductibles or co-pays, and whether pre-authorization is required for rehab services.
  • Visit the Member Portal: Most Carelon plans offer access to an online member portal. By logging in, you can review your plan’s summary of benefits, check coverage levels, and search for in-network providers.
  • Contact a Treatment Center: Many accredited rehab facilities—like Carrara Treatment in California—have dedicated insurance verification specialists. These professionals can verify your benefits on your behalf, help you understand your financial responsibilities, and assist with pre-authorizations or referrals.

Understanding your insurance coverage ahead of time can prevent unexpected costs and ensure a smoother admissions process.

6. Will Beacon Health Cover Multiple Rehab Stays?

Yes, Carelon may provide coverage for multiple stays at a drug or alcohol rehab facility, provided that each stay is deemed medically necessary. The frequency and duration of coverage for repeat treatment episodes will depend on:
  • Your individual plan type (commercial, Medicaid, or Medicare Advantage)
  • The medical necessity criteria met at the time of admission
  • Documentation of prior treatment efforts and relapse history
Most plans do not impose a strict limit on the number of times you can access rehab services but may require updated assessments and provider justification for repeat admissions. This ensures that treatment remains clinically appropriate and effective based on your current health needs. To determine if a second or third stay is covered, contact Carelon directly or consult with a treatment center like Carrara that can help with benefit verification and documentation.

7. How Can I Pay for Costs Not Covered by My Beacon Health Plan?

Even with insurance, there may be out-of-pocket expenses such as deductibles, co-pays, or non-covered services. Fortunately, there are several options available to help cover the difference:

  • Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA): If you have access to either of these accounts through your employer, they can be used to pay for eligible medical costs, including addiction treatment.
  • Financing & Payment Plans: Many luxury or private rehab centers—including Carrara—offer flexible payment plans to break up the cost of treatment into manageable monthly installments.
  • Sliding Scale Fees or Scholarships: Some facilities offer reduced pricing based on income level or special scholarships for qualifying patients.
  • Medical Credit Cards or Personal Loans: Certain financing products are designed specifically for healthcare expenses. Be sure to review interest rates and repayment terms carefully before committing.

At Carrara Treatment, we are committed to helping you navigate the financial aspects of recovery and can assist in creating a payment plan that supports your needs. Our admissions specialists at Carrara can help you explore flexible payment options to cover any out-of-pocket costs. Call (424) 423-6911 or visit our Contact Page to learn more.

8. What Should I Do If Beacon Health Does Not Fully Cover My Rehab Costs?

If your Beacon Health (Carelon) plan does not cover the full cost of your treatment program, you still have options to receive the care you need:

  • Appeal the Decision: Insurance companies are legally required to have an appeals process. You can challenge a denied claim by submitting additional documentation that supports the medical necessity of the treatment.
  • Seek Out-of-Network Reimbursement: If the facility you’ve chosen is out-of-network, you may still be eligible for partial reimbursement. Ask the treatment center to provide a superbill that you can submit to your insurance company for potential reimbursement.
  • Discuss Financial Aid: Ask the rehab facility about financial aid opportunities or discounts. High-quality centers often have options to help make care accessible.
  • Work with an Advocate: Insurance and patient advocates—sometimes available through your treatment center—can help you understand your rights and navigate the appeals or negotiation process.

If your insurance only covers part of your treatment, Carrara’s team can help with appeals, reimbursement, and financial aid options. Reach out to us at (424) 423-6911 or visit our Contact Page for personalized support

9. How Does Beacon Health Determine Medical Necessity for Rehab Coverage?

Carelon Behavioral Health, formerly Beacon Health, follows a structured process to determine whether substance abuse treatment services are medically necessary. This evaluation is crucial in approving coverage for detox, inpatient rehab, outpatient programs, and continuing care. The decision is based on clinical criteria and the individual’s current health status. Key factors include:
  • Severity of the Substance Use Disorder: The extent of physical, psychological, and social impairment caused by substance use.
  • Risk of Withdrawal Complications: Whether medical detox is needed due to potential withdrawal risks.
  • History of Treatment Attempts: Previous rehab stays and whether there was a documented relapse or incomplete recovery.
  • Co-Occurring Conditions: Presence of additional medical or psychiatric conditions that complicate addiction.
  • Impairment in Functioning: Impact on personal relationships, job performance, and overall quality of life.
Carelon typically uses standardized tools such as the American Society of Addiction Medicine (ASAM) criteria to make these determinations. Your healthcare provider or treatment center must submit supporting clinical documentation to justify the level of care requested.

10. Does Beacon Health Cover Out-of-Network Rehab Facilities?

Carelon Behavioral Health’s coverage for out-of-network facilities depends on the type of plan you hold. Here’s how it typically breaks down:
  • Employer-Sponsored or Individual Plans: These may offer partial reimbursement for services at out-of-network facilities. However, your share of the costs will likely be higher compared to in-network providers.
  • Medicaid Plans: In most cases, Medicaid coverage requires in-network providers unless you receive prior authorization or no in-network options are available in your area.
  • Medicare Advantage Plans: These plans might have tighter network restrictions, though exceptions can sometimes be made under special circumstances.
If you are considering an out-of-network facility like Carrara Treatment, it’s a good idea to call the provider and ask whether they work with Carelon plans. Many luxury and private rehab centers will assist with single-case agreements or help you file for reimbursement after services are rendered.

11. How Does Beacon Health’s Employee Assistance Program (EAP) Support Individuals Seeking Rehab Services?

Carelon administers Employee Assistance Programs (EAPs) that offer short-term support and referral services to individuals struggling with substance use and related issues. These confidential programs are often offered by employers at no cost and include:
  • Initial Counseling Sessions: Access to licensed behavioral health professionals for a limited number of free sessions to address concerns like substance use, stress, or emotional distress.
  • Assessment and Referral: If more intensive treatment is needed, the EAP can connect you with Carelon-approved rehab providers and help coordinate further care.
  • Family Support: EAPs often extend services to family members, recognizing that addiction affects entire households.
  • Work/Life Resources: EAPs can provide help with legal issues, financial stress, or work-related conflicts that may be contributing to or exacerbated by addiction.
EAPs are designed as an early intervention tool and can serve as a helpful entry point into formal treatment. If you’re unsure whether your employer offers Carelon’s EAP, check with your Human Resources department or review your benefits packet.

12. What Additional Resources Does Beacon Health Provide for Substance Use Disorder Support?

In addition to covering clinical treatment services, Carelon Behavioral Health offers a variety of support resources to help individuals manage and recover from substance use disorders. These include:
  • 24/7 Behavioral Health Hotlines: Many plans offer round-the-clock support to help members find resources, answer questions about coverage, or handle crises.
  • Online Education Tools: Carelon provides digital resources, including self-assessments, webinars, and articles focused on addiction education and prevention.
  • Care Coordination Services: Case managers may be assigned to help you navigate complex treatment plans, coordinate between providers, and ensure continuity of care.
  • Mobile App & Member Portals: Many members have access to mobile tools that offer mental health tracking, provider searches, and personalized care recommendations.
These resources aim to make recovery more accessible and sustainable. They complement the medical treatment process by helping members remain informed, connected, and supported throughout their recovery journey.

13. How Does Beacon Health’s Coverage Vary Between Inpatient and Outpatient Rehab Services?

Carelon Behavioral Health (formerly Beacon) offers coverage for both inpatient and outpatient addiction treatment services, though the level of coverage and care coordination can differ based on the setting and your plan type.
  • Inpatient Rehab Coverage: Involves staying at a residential treatment facility with 24-hour medical and therapeutic support. These programs are typically recommended for individuals with severe substance use disorders or those who have relapsed. Carelon often requires prior authorization and a determination of medical necessity based on ASAM criteria. Coverage may include detox, room and board, therapy, medication management, and discharge planning.
  • Outpatient Rehab Coverage: Allows individuals to live at home while attending structured therapy sessions multiple times a week. Outpatient treatment is ideal for those with milder addictions or as a step-down after inpatient care. Carelon typically covers:
    • Intensive Outpatient Programs (IOPs)
    • Partial Hospitalization Programs (PHPs)
    • Traditional Outpatient Therapy
Each level of care comes with its own co-pays, session limits, and authorization requirements. Always consult your plan documents or speak with a treatment center to understand which services are covered under your specific policy.

14. Are Medications for Addiction Treatment Covered Under Beacon Health Plans?

Yes, most Carelon insurance plans provide coverage for medication-assisted treatment (MAT)—a clinically effective approach that combines behavioral therapy with FDA-approved medications. MAT is especially useful for opioid, alcohol, and tobacco use disorders.

Commonly covered medications include:

  • Buprenorphine (Suboxone®, Subutex®): Used to treat opioid dependence.
  • Methadone: Dispensed through specialized clinics.
  • Naltrexone (Vivitrol® or Revia®): Used for alcohol and opioid dependence.
  • Disulfiram (Antabuse®): Prescribed for alcohol use disorder.
  • Acamprosate (Campral®): Reduces alcohol cravings.
Medication coverage may require prior authorization or coordination with an in-network prescriber. Some plans also cover long-acting injectable medications, which can improve adherence and reduce relapse risk. Be sure to check your Carelon formulary or speak with a provider to confirm which medications are included in your plan.

15. Does Beacon Health Cover Alternative Therapies for Addiction Treatment?

Carelon may offer limited coverage for alternative or holistic therapies, depending on your specific plan. While traditional treatment methods like counseling, MAT, and group therapy are standardly covered, the inclusion of complementary approaches can vary.

Some plans may reimburse or partially cover therapies such as:

  • Acupuncture
  • Chiropractic services
  • Mindfulness-based stress reduction (MBSR)
  • Nutritional counseling
  • Yoga or movement therapy (as part of structured programs)
These therapies are often used in luxury or integrative treatment centers, like Carrara, to support overall well-being and emotional regulation. It’s important to verify with Carelon whether these services are included in your benefits or offered as add-ons at a participating facility.

16. How Can I Find Rehab Facilities That Accept Beacon Health Insurance?

16. How Can I Find Rehab Facilities That Accept Beacon Health Insurance?
Finding a treatment facility that works with your Carelon plan is key to maximizing your insurance benefits and minimizing out-of-pocket costs. Here’s how to locate approved rehab centers:

  • Use Carelon’s Provider Search Tool: Visit Carelon Behavioral Health’s website or contact member services to access their list of in-network addiction treatment providers.
  • Ask for a Referral: Your primary care provider or a mental health professional within the Carelon network can refer you to appropriate facilities.
  • Contact Rehab Centers Directly: Call treatment centers—like Carrara—to ask if they accept Beacon Health/Carelon insurance. Many offer free insurance verification and can help you determine your benefits in minutes.

Selecting a facility within the Carelon network helps ensure coverage and simplifies billing and pre-authorization procedures. Carrara Treatment accepts many Carelon insurance plans and can verify your benefits in minutes. Call (424) 423-6911 or visit our Contact Page to find out if your plan qualifies.

17. Does Beacon Health Cover Family Therapy in Addiction Treatment?

Yes, most Carelon Behavioral Health plans include coverage for family therapy as part of their behavioral health benefits. Family therapy is a vital component of addiction recovery, especially when substance use has impacted relationships, trust, and communication.

Covered services may include:

  • Couples Counseling
  • Group Family Sessions
  • Psychoeducation on Addiction and Recovery
  • Support for Codependency and Enabling Patterns
Family involvement has been shown to improve treatment retention and post-rehab outcomes. However, session limits, co-pays, and pre-authorization rules may apply, so it’s best to confirm these details with Carelon or the treatment facility you’re considering.

18. How Long Does Beacon Health Cover Inpatient Drug and Alcohol Rehab Programs?

The length of inpatient treatment covered by Carelon depends on several factors, including medical necessity, plan guidelines, and your clinical progress.

In general:

  • Most plans authorize initial stays of 30 days, with the potential for extensions if continued care is justified.
  • Additional coverage may be granted in 15-day increments following reassessment.
  • Medicaid and Medicare Advantage plans administered through Carelon may offer different coverage durations, with stricter documentation requirements.

Treatment centers typically coordinate with Carelon’s utilization review team to provide updates and secure extensions if needed. If you’re concerned about how long your stay will be covered, work closely with your care coordinator and treatment provider to advocate for continued care when appropriate. To find out how long your Carelon plan will cover inpatient rehab and whether extensions are available, speak with a Carrara Treatment insurance expert at (424) 423-6911 or visit our Contact Page.

More Questions About Beacon Health Insurance Coverage for Drug and Alcohol Addiction Treatment?

If you have any inquiries about the drug and alcohol addiction treatment coverage offered by Beacon Health, we urge you to reach out to Carrara Treatment without delay. Our team is ready to provide support and guidance to help you explore treatment options and start your path to recovery. Rest assured that your health is our main concern, and we are dedicated to giving you the support needed to receive the right treatment. Let us assist you through the process and help you access the care you need. Our promise is to be there for you throughout your recovery journey.

Why Choose Carrara Treatment?

At Carrara Treatment, we redefine recovery by combining discreet, high-end accommodations with industry-leading clinical care. Nestled in California’s most serene and exclusive locations—including Malibu, Los Angeles, and the Hollywood Hills—Carrara provides a therapeutic environment where healing happens without compromise. We specialize in serving professionals, creatives, and individuals seeking privacy, dignity, and a personalized recovery experience.
Our programs are tailored to meet the needs of clients using Beacon Health (Carelon) insurance plans, and our admissions team is ready to help you navigate your benefits and get the care you need—without the stress.

What Sets Carrara Apart?

  • Ultra-Luxury Amenities: Private rooms, gourmet meals, spa services, and outdoor relaxation spaces create a resort-like atmosphere.
  • Holistic Therapies: Practices like cranial sacral therapy, sound baths, and mindfulness promote healing of the mind, body, and spirit.
  • Personalized Treatment Plans: Each client receives a tailored plan combining evidence-based and holistic approaches.
  • High Staff-to-Patient Ratio: Personalized care ensures clients receive the attention they need throughout their recovery journey.
  • Privacy and Discretion: Ideal for high-profile individuals, our facility offers a sanctuary free from public scrutiny.

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Start Your Journey Today

Your path to long-term healing begins with one confidential phone call. Whether you’re exploring coverage options through Beacon Health, verifying benefits, or looking for a private and luxurious environment to heal—Carrara is here for you.

 

Call our admissions team at (424) 423-6911 or visit our Contact Page to begin the process.
Let us help you step into a healthier, more fulfilling life—because you deserve recovery without compromise.

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