Beech Street Insurance Coverage for Mental Health Care
Table of Contents
What Is Beech Street and How It Relates to a MultiPlan
Beech Street is a provider network under the MultiPlan umbrella, offering national PPO access for a wide range of healthcare services. Acquired initially through MultiPlan’s purchase of Viant in 2010, Beech Street has since been integrated into MultiPlan’s broader network solutions, expanding its reach across the United States. It functions as a preferred provider organization (PPO) network, meaning that if your insurance company or third-party administrator contracts with Beech Street, you can typically receive care from in-network providers within that network.
Depending on your specific health plan, Beech Street may serve as either your primary network or as a complementary, secondary network that provides coverage when you are outside your primary service area. You can check participating providers with the Directories Online tool. Because coverage, participation, and cost-sharing can vary by plan and region, it’s important to verify whether Beech Street is treated as an in-network or secondary option under your policy to fully understand your potential costs and provider access.
Understanding whether your plan treats Beech Street as “in-network” or “secondary/cross-network” is key to knowing your cost exposure.
Using the Beech Street Network for Mental Health Treatment
MultiPlan
A multi-plan network connects members to a nationwide PPO network of behavioral health providers. Using in-network Beech Street providers usually results in lower out-of-pocket costs, as participating clinicians have pre-negotiated rates with the network. Members can confirm in-network status by checking their plan’s provider directory or verifying Beech Street access through their insurance ID card.
Out-of-area access
Through Beech Street or other MultiPlan partner networks, allowing members to receive in-network-level benefits even when outside their home region. It’s important to review your insurance documents or employer benefits notice to see if this option applies to your plan.
Referrals and prior authorization
Most standard outpatient therapy and medication management sessions do not require pre-approval. However, more structured or intensive levels of care, such as IOP or PHP, may need prior authorization or utilization review, depending on the plan’s guidelines. We verify all requirements in advance to avoid unexpected costs or delays.
MultiPlan Network
Members may also benefit from faster access to care through coordinated scheduling or partner network referrals, helping ensure timely connection to mental health treatment that fits both clinical needs and coverage requirements.
What We Treat
Our practice supports a broad array of mental health and co-occurring substance use conditions, commonly accepted under Beech Street:
- Generalized anxiety, panic, social anxiety, OCD
- Major depression, persistent depressive disorder, bipolar spectrum
- PTSD and complex trauma
- Thought disorders, including schizophrenia and schizoaffective disorder
- Personality disorders
- Co-occurring substance use disorders, dual diagnoses
Before starting care, we verify whether your particular diagnosis and recommended treatment levels are supported under your plan and network.
Levels of Care We Can Help You Access
Depending on clinical need and the mental health benefits included in your plan that uses the Beech Street network, the following levels of care may be available:
- Standard Outpatient (OP): Weekly or biweekly therapy, medication check-ins
- Intensive Outpatient Program (IOP): Several sessions per week while living at home
- Partial Hospitalization Program (PHP): Day treatment, structured like a hospital level of care
- Telehealth / Virtual Care: Remote therapy or psychiatry sessions
- Referral to higher care: If your needs exceed what we offer, we coordinate referrals to in-network facilities
We assist with all the administrative steps, confirming coverage, obtaining authorizations, and scheduling, so your treatment begins without surprises.
Not Sure What Your Beech Street Covers? We Can Help
Understanding what’s included in your insurance policy doesn’t have to be stressful. If you’re considering outpatient mental health care and want to know how your Beech Street network benefits apply, a quick insurance verification can provide the answers you need.
Verify Your Insurance Benefits
What Costs Should I Expect with Beech Street?
Your out-of-pocket responsibility will depend on several factors:
- Whether you’ve met your deductible
- Copay or coinsurance for behavioral health services under your plan
- Whether providers are in-network or out-of-network
- Any telehealth cost-sharing structure
- Prior authorization or pre-certification requirements for higher levels of care
We generate a personalized estimate for you after benefit verification so you know what to expect before treatment begins.
Verify Your Insurance Benefits
Have your:
- Member ID and group number
- Full name, date of birth, and address on the policy
- Clear photos of the front and back of your ID card
We confirm eligibility, covered levels of care, any required authorizations, and estimated costs. We also schedule your first appointment.
To speak with someone about using Beech Street insurance for mental health treatment, you can verify your benefits here.
Common Mental Health Conditions Covered by Beech Street Plans
While Beech Street itself is not an insurance company, it provides access to in-network behavioral health providers who deliver services such as therapy, psychiatry, medication management, and structured outpatient care. We confirm your exact benefits before you start.
Depression
Many plans using the Beech Street network cover outpatient treatment for depression, including therapy, medication management, and group support. Members can often access evidence-based care for both major depressive disorder and persistent depressive disorder through in-network providers.
Generalized Anxiety and Panic Disorder
Coverage typically includes therapy and psychiatric care for anxiety, panic attacks, and related symptoms. Treatments may include Cognitive Behavioral Therapy (CBT), exposure-based approaches, and medication management when clinically indicated.
Bipolar Disorder
Plans with Beech Street support benefits for bipolar disorder treatment through outpatient or structured programs. Care may involve psychiatric evaluation, mood stabilization therapy, and ongoing medication oversight.
PTSD and Trauma-Related Disorders
Trauma-informed care, supportive therapy, and evidence-based treatments such as EMDR (if covered by the member’s insurance plan) are often available through Beech Street network providers.
Attention-Deficit/Hyperactivity Disorder (ADHD)
Behavioral therapy, executive functioning support, and medication management for ADHD are commonly available, with coverage extending to both children and adults.
Obsessive-Compulsive Disorder (OCD)
Members may access OCD treatment that includes Exposure and Response Prevention (ERP), behavioral therapy, and psychiatric monitoring.
Schizophrenia and Schizoaffective Disorder
Some plans include benefits for psychiatric stabilization, medication management, and supportive therapy for individuals managing thought disorders.
Co-Occurring Mental Health and Substance Use
Integrated treatment addressing both mental health and substance use concerns is often considered medically necessary and may be covered under plans using the Beech Street network.
Note: Coverage through Beech Street varies by insurance carrier, employer plan, diagnosis, and medical necessity criteria. Verifying your benefits is the best way to determine which mental health services are available to you under your specific Beech Street-linked plan. Verify your benefits here.
Find Out if Your Beech Street Plan Covers Treatment
If you’re considering outpatient mental health treatment and currently have Beech Street insurance, taking the time to verify your benefits is a helpful first step.
FAQs About Beech Street & Mental Health Coverage
Do you accept Beech Street for therapy and psychiatry?
Yes, if your plan contracts with Beech Street in your region for those services. Benefits vary by plan, and we verify eligibility before your first visit.
What if my plan includes national or out-of-area access?
Some employer plans include partner networks for care outside the home service area. We review your ID card and confirm access under your specific product.
Will Beech Street cover IOP or PHP?
Many plans cover higher-intensity outpatient levels of care when medically necessary. We confirm coverage and check any prior authorization rules before scheduling.
Do you treat co-occurring addiction?
Yes. We address co-occurring substance use alongside mental health treatment and collaborate with in-network partners when a different setting is clinically appropriate.
Do I need prior authorization or certification?
Often no, but some services and higher levels of care may require review. We handle this process and keep you informed.
Related Mental Health Insurance Information
Looking for more details about insurance providers accepted for outpatient mental health treatment? Explore how different plans may support access to care:
Aetna
AmeriHealth
Blue Cross Blue Shield
Anthem Blue Cross
Premera Blue Cross
Anthem BCBS
Empire BCBS
Regence BCBS
Beacon Health Options
Blue Shield of CA
Carelon Behavioral Health
Cigna
ComPsych
Elevance Health
First Choice Health
First Health Network
GEHA
Halcyon
Health Net
HMC Networks
Humana
Kaiser
Magellan
Meritain Health
MHN Health Net
MultiPlan
NYSHIP
Optum
UMR
UHC
Value Options
Wondering How Your Coverage Works?
Medically Reviewed By: Shahana Ham, LCSW
Shahana Ham, LCSW, is a Licensed Clinical Social Worker with a Master’s in Social Work from the University of Southern California. She specializes in client-centered care for individuals facing mental health and substance use challenges, fostering a supportive environment for healing and growth.
