Carelon is an administrator, not an insurer.
Nobody buys a Carelon policy. An employer, a union welfare fund or a state programme buys health coverage, and then contracts Carelon to run the behavioral health part of it. So two people who both say they “have Carelon” can hold completely different benefits, because the plan behind Carelon is what sets the deductible, the coinsurance and whether an out-of-network benefit exists at all.
Carelon Behavioral Health was named Beacon Health Options until March 2023. A Carelon Behavioral Health drug rehab authorization can therefore appear under either name, since plan documents printed before then carry the Beacon name for the same benefit and the same review process.
New Spirit Recovery establishes which plan sits behind a member’s Carelon coverage before quoting anything, because the administrator’s name reveals nothing about the deductible or the out-of-network percentage underneath it.