Blue Cross Blue Shield Rehabs
Choosing to go to rehab and quit using drugs and alcohol for good is a difficult decision that often results in various fears and concerns. One of the most significant of these is how to pay for rehab. Addiction treatment, no matter what level, can be costly, and predicting the extent of treatment expenses upfront can be challenging. How much addiction treatment will cost is unique to each situation. Many shy away from seeking essential (and sometimes lifesaving) addiction treatment because of the financial unpredictability. Fortunately, in 2010 the affordable care act was passed, which helps to ensure insurance coverage is now a solution for many addiction treatment costs.
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Does Blue Cross Blue Shield Pay for Drug Rehab?
When someone refers to BCBS or Blue Cross Blue Shield, they often believe they are referring to one large insurance company. Blue Cross Blue Shield is actually a collection of thirty-six independently owned smaller companies that combine to create one of the largest insurance providers. Like other insurance providers, Blue Cross Blue Shield offers a variety of plans, including Bronze, Silver, Gold, and Platinum plans. Each plan provides different levels of coverage as well as varying deductibles and out of pocket costs. Bronze plans typically cover a lower percentage of medical expenses (around 60%) and have higher deductibles with lower monthly premiums. On the other end of the scale, platinum plans (which are not available everywhere) cover roughly 80% of medical costs and have lower deductibles but higher monthly premiums. All plans provided by Blue Cross Blue Shield include mental health coverage, and most cover a portion of expenses related to addiction treatment.
The amount of coverage you have will depend on the type of plan, your required treatment level (inpatient, outpatient, etc.), and the state in which you reside. If you are having trouble determining what your Blue Cross Blue Shield plan will cover for rehab, contact the team at My Recovery for assistance. Our highly trained professionals can work with you and Blue Cross Blue Shield to determine what, if any, out-of-pocket expenses you may have for addiction treatment.
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What Does Blue Cross Blue Shield Cover for Rehab?
As previously mentioned, your individual coverage for addiction treatment services will vary based on your plan, your treatment needs, and where you reside. Some Blue Cross Blue Shield plans are not available in all states. Some Blue Cross Blue Shield plans may require your treatment program to be an in-network provider; however, this is not the case for all plans. It is important to note that using an in-network provider will typically reduce your out-of-pocket costs regardless of the type of plan you have. Also, if you choose an out-of-network provider, it is possible that some or all of your treatment services may not be covered, requiring you to pay for one hundred percent of your costs out of pocket. If you are unsure about the pre-qualification process or if a particular rehab is considered in-network, you can call the rehab directly, reach out to Blue Cross Blue Shield or contact the team at My Recovery for assistance.
Blue Cross Blue Shield benefits cover both inpatient and outpatient treatment services. Some of the services covered at the inpatient (sometimes called inpatient residential) level include detoxification, addiction treatment, and partial hospitalization treatment programs. In an outpatient setting, Blue Cross Blue Shield policies will cover some or most of services such as individual and group counseling, family counseling services, intensive outpatient treatment programs (IOPs), detox medications, and medication management.
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How Long Does Blue Cross Blue Shield Pay for Rehab?
Addiction is a disease that is highly unique to the individual. Therefore, everyone finds sobriety and enters recovery at a different pace. The length of time for which Blue Cross Blue Shield will pay for rehab depends on your specific insurance plans and the behavioral health (addiction and mental health treatment) benefits covered by that plan. The duration of one’s stay at a treatment program also depends on the substance or substances they use, the severity of their addiction, and their recommended level of care. Before committing to a specific treatment program, it would be beneficial to contact Blue Cross Blue Shield directly or visit their website to determine what services and for how long your plan will provide coverage.
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Find a Drug Rehab That Takes Blue Cross Blue Shield
The coverage level for addiction treatment through Blue Cross Blue Shield insurance plans will vary depending on the type of plan and various other factors. Because of the high level of variance, it is important to understand your plan’s specific details before committing to a particular addiction treatment facility or level of therapy. Blue Cross Blue Shield may require a referral or pre-authorization before services at a drug or alcohol rehab will be covered. In most cases, you will receive the most substantial financial benefit by choosing an in-network provider for your treatment needs.
Depending on the region where you live, there could be many options to choose from, each with different levels of care and unique treatment specialties. The team at My Recovery has worked with addiction treatment centers across the country and has developed strong working relationships with the best alcohol and drug rehabs in your area. At My Recovery, we can help you determine which rehab provides the best treatment model to meet your addiction treatment needs and goals. We can also work with you to ensure your rehab of choice takes your Blue Cross Blue Shield insurance benefits. Fears and apprehension surrounding how to pay for addiction treatment are among the most significant barriers one encounters upon deciding to get sober. Your Blue Cross Blue Shield policy can help relieve some of the stressors you may experience when considering how to pay for treatment. If you are ready to take the first step on the path to sobriety, let the team at My Recovery help you find a Blue Cross Blue Shield approved rehab in your area today.