Beacon Health Options Mental Health Coverage — Online Therapy Options Explained.
Beacon Health Options is a behavioral health managed care company — they manage the mental health benefits for many large employer and government plans.
If your insurance card references Beacon or you get a separate behavioral health card, this guide explains how your mental health coverage works.
Beacon Health Options and Online Therapy — What We Know
Coverage status: Yes — through contracted employer plans
Platforms commonly in-network: Talkspace, Headway, Grow Therapy (network varies by employer contract)
Typical cost with insurance: Depends on your primary insurance plan — typically $20–50 per session
Beacon Health Options (now part of Carelon Behavioral Health, owned by Elevance Health/Anthem) is a behavioral health managed care organization. Rather than being a primary insurer, Beacon manages the mental health and substance use benefits on behalf of other insurers and large employers.
How Beacon works: Your primary insurance (like a Blue Cross Blue Shield or Cigna plan) may carve out mental health benefits to Beacon. This means when you need therapy, you call Beacon's member services number (found on your insurance card) rather than your primary insurer. Beacon has its own network of behavioral health providers.
Telehealth coverage: Beacon-managed plans generally cover telehealth mental health services. Coverage depends on your primary employer plan, but most Beacon-contracted plans apply the same cost-sharing to telehealth as in-person visits.
Finding providers: Use Beacon's provider directory at beaconhealthoptions.com (or carelon.com if your plan has transitioned to the Carelon brand) to find in-network telehealth behavioral health providers. You'll need your member ID from the Beacon/behavioral health card that came with your insurance.
What to Expect
Most plans that cover online therapy work the same way as in-person coverage. Once you're matched with an in-network provider, you pay your plan's mental health copay per session. If you haven't met your deductible yet, you may pay more until you hit that threshold — then your copay rate applies for the rest of the year.
Typical copay range: Depends on your primary insurance plan — typically $20–50 per session. Keep in mind this is an estimate — your actual cost depends on your specific plan, your deductible status, and whether the provider is in-network.
Always verify your exact coverage before your first session. Most platforms let you enter your insurance information during signup and will confirm whether you're covered before you pay anything.
How to Check Your Beacon Health Options Coverage
- Call the member services number on the back of your Beacon Health Options card and ask: "Does my plan cover telehealth mental health services?"
- Ask specifically: "Is telehealth therapy covered at the same copay as in-person therapy?"
- Ask: "Which telehealth platforms are in-network for mental health? Is [platform name] covered?"
- Ask: "What is my current deductible status for mental health benefits?"
Alternatively, log into your Beacon Health Options member portal online and navigate to "Benefits" or "Coverage Details" — look for the "Mental Health" or "Behavioral Health" section. Most member portals show your specific copay and deductible information.
Ready to Compare All Your Options?
See all 23 insurers and compare coverage options side by side.
Compare All Insurance OptionsWe're not therapists or insurance advisors — we're researchers who compiled publicly available information about insurance coverage for online therapy. Coverage information is general and may not reflect your specific plan. Always verify your exact benefits directly with Beacon Health Options before booking a session. Some links on this page may be affiliate links.
Insurance coverage depends on your specific plan, state, and provider. Copay estimates are based on averages and may vary significantly. We update regularly, but confirm current coverage directly with your insurer.