Deductible and coinsurance for ValueOptions-related rehab benefits are determined by the member’s underlying health plan, not by the legacy ValueOptions name alone. ValueOptions became Beacon Health Options, which is now Carelon Behavioral Health, and the behavioral-health administrator may manage benefits for another insurer or employer plan. Trinity Behavioral Health accepts ValueOptions benefits, but no universal deductible or coinsurance amount applies.
To understand likely member responsibility, verify the specific plan before admission.
What is a deductible?
A deductible is an amount a member may need to pay for covered services before the plan begins sharing certain costs. The exact deductible, whether it is individual or family, and whether a separate out-of-network deductible applies depend on the plan.
What is coinsurance?
Coinsurance is a percentage of an allowed cost that a member may owe after applicable deductible requirements are met. The percentage can differ by service and network status.
Who determines my rehab cost sharing?
The underlying insurer or employer plan establishes the benefit design. A behavioral-health administrator such as the organization formerly known as ValueOptions may administer authorization or claims functions without setting every underlying benefit term.
Can cost sharing differ by level of care?
Yes. Residential rehab, PHP, and IOP can be subject to different benefit or network rules.
What should I verify?
- Underlying payer and plan
- Current behavioral-health administrator
- Deductible and deductible status
- Copay or coinsurance
- In-network and out-of-network benefits
- Prior authorization
- Medical-necessity requirements
For the carrier overview, see ValueOptions rehab benefits at Trinity Behavioral Health.
Verify Your Specific ValueOptions-Related Cost Sharing
Authoritative resources
- Carelon Behavioral Health — Member Benefits and Resources
- HealthCare.gov — Deductible
- HealthCare.gov — Coinsurance
- SAMHSA — Know What Your Insurance Covers
Exact benefits and member costs vary by plan and should be verified directly.