Does Your Policy Cover Rehab?
It can be overwhelming to go through your BCBS policy to find out if they will cover the cost of substance abuse treatment for you or a loved one. We have an expertly trained staff of addiction experts ready and willing to help you navigate through the intricacies of your policy. All you need to do is call and we will take care of the rest.
Addiction Treatment Services is all about helping you identify which drug and alcohol rehab programs accept your insurance and for how long.
BlueCross BlueShield Insurance for Drug and Alcohol Treatment
BCBS insurance companies are nationwide and insure close to 105 million individuals and families— that’s almost one in every three people that they cover! While each policy varies, providing a range of benefits which can cover drug and alcohol addiction treatment, the assorted options can cover anywhere depending on the state you live in and what plan you have purchased.
Common BCBS coverage includes some of the costs associated with the following levels of care:
- Inpatient Hospitalization
- Residential Detox or Non-Medical Detox
- Residential Level Treatment
- Partial Hospitalization Treatment
- Intensive Outpatient or Outpatient Treatment
Are You Ready to Get Help?
Our treatment specialists are available 24/7 to help you or your loved one find a treatment program that suits your needs. It only takes one call to start your new life in recovery!(855) 713-7262
Helping You Navigate Your Blue Cross Blue Shield Drug Rehab Policy
A high number of rehabilitation facilities across the country accept Blue Cross Blue Shield (BCBS) insurance for all types of substance abuse treatment services.
While we help people nationwide with many different types of Blue Cross Blue Shield plans, here are a few providers we particularly have a lot of history with:
- Premera Blue Cross of Washington
- Empire BCBS of New York
- Horizon BCBS of New Jersey
- Massachusetts BCBS
- Illinois BCBS
Blue Cross Blue Shield is accepted in all 50 states and covers more than 100 million Americans. As a network, BCBS is made up of more than 35 independent and locally operated agencies, all of which help policyholders navigate state laws regarding health care. More than 96 percent of hospitals and 92 percent of health care providers work directly with a BCBS agency.
If you are covered by Blue Cross Blue Shield, then you should have several options for a successful and healthy recovery from addiction.
Addiction Prevention Tools and Resources with a BlueCross BlueShield Policy
BlueCross BlueShield also has several different resources that can help you identify or find help for substance abuse problems. The company, most recently, has created a prescription pain medication safety program that can help individuals who may be at risk of drug addictions, by reducing them. The platform specifically was designed for painkillers containing narcotic opioids like Vicodin and Percocet.
The application provides members and members’ family members with 24/7 support. The mobile platform called OneHealthis sponsored by BlueCross BlueShield. In it contains the education and tools needed to help recover from substance abuse.
Policy Coverage for Substance Abuse with BlueCross BlueShield Insurance
Depending on your location, BlueCross BlueShield offers different plans. Common plans are the bronze, silver, gold or platinum level. The Bronze Plan is the lowest in coverage, along with the lowest monthly premium and highest deductibles. The higher-level plans such as the Platinum or Gold have a higher cost and provide more comprehensive coverage with lower deductibles.
If the policy is a Federal Employee Program policy, it usually consists of two plan options, either the basic option or the standard option. The basic Federal employee plan option requires individuals to use providers within a preferred network, while the standard plan allows its members to choose between preferred and non-preferred providers (also known as PPO).
Policyholders may be responsible for the difference in cost between the plan allowance and the actual billed amount by the provider if an out-of-network or non-preferred provider was used.
Questions About Insurance?
Navigating your insurance plan to determine what type of substance abuse coverage you qualify for can be overwhelming. Our insurance specialists are available 24 hours a day to assist you.(855) 713-7262
How BCBS Policies Work for Addiction Treatment Centers
Blue Cross Blue Shield is accepted, at least on some level, by most addiction treatment centers, although coverage varies greatly from state to state. It is not uncommon for someone with a policy in one state to have all of their claims approved and in the neighboring state have all of their claims denied.
In some cases, we have seen extremely strong stipulations on a policy, such only hospital treatment or no substance abuse or mental health benefits at all. The old saying for people who have BCBS is, “If you’ve seen one policy, then you’ve seen one”.
Due to the complexity of Blue Cross Blue Shield insurance coverage from state to state, Addiction Treatment Services helps you find the highest possible level of care at the least amount of expense.
Furthermore, contacting BCBS directly may not yield the best options for you, as we base most of our referrals on the past experiences of actual clients who have gotten their alcohol and drug rehab treatment programs covered by insurance.
Does it Need to be In-Network?
BlueCross BlueShield plans will typically fall under one of two categories: an HMO (Health Maintenance Organization) plan or a PPO (Preferred Provider Organization) plan.
HMOs usually only cover services provided by HMO-contracted facilities. PPO plans have more options regarding the number of providers from with thy have access to.
With a PPO plan, covered individuals can be treated by a facility that is out-of-network. However, the expenses to the member will be considerably higher.
Each plan is different, so be sure to speak with your insurance provider about specific details about a plan’s coverage. The financial responsibility of going to a substance abuse treatment center most commonly is what determines which one the individual chooses to go to.
BlueCross BlueShield Covers Inpatient Treatment
Again, a BlueCross BlueShield policy varies for each state. Coverage is dependent on state laws and regulations.
It also depends on where (in what state) the member receives care and treatment services. A service provided by a physician’s office will cover different amounts than a service provided at a hospital or treatment facility.
Costs and Services at Inpatient Rehab
Inpatient programs offer the highest level of treatment care, with medically supervised detoxification and around-the-clock care and support. Here are some definitions of common terms regarding health plan coverage:
Premium – This is a monthly payment made to a health insurance company by the policyholder to maintain coverage. Many times, individuals are fortunate enough to have employer-provided insurance, meaning that the company picks up all or part of the monthly premium cost.
Coinsurance – Coinsurance, like a copayment, is a form of cost sharing for services involving healthcare and prescription medications. It is never a flat fee and is always a percentage of the cost for a health service or Rx paid by a member once they have reached their deductible.
Deductible – This is the amount you will need to pay before your health insurance starts to cover a larger portion of your bills. As an example, if your deductible is $1,000, you must pay $1,000 for your own care “out-of-pocket” before the insurance kicks in and pays a higher percentage of the costs- the deductible resets yearly.
Out-of-pocket Maximum – This is the most amount of money you may have to pay in one year out of your own pocket for healthcare services you receive before your coinsurance covers 100 percent of the bill.
Here is a rough cost estimate for Inpatient Rehab with commonly used plans with BlueCross BlueShield:
Bronze Plan – Carry the minimum deductible amount for in-network providers. Out-of-network Providers are usually NOT covered.
Silver Plan – Generally, a coinsurance percentage in addition to the deductible for in-network. Usually, out-of-network is NOT covered.
Gold Plan – Theses plans require a coinsurance percentage (usually this is a smaller amount than that of the lower level plans), as well as a deductible. Out-of-Network providers are not covered.
Platinum Plans – Any in-network provider services will have one or the other- a copay per day (with a maximum daily amount) or coinsurance percentage. Sometimes out-of-network services are covered. If out-of-network is covered, it will come with a higher coinsurance percentage as well as the deductible.
Helping You Understand Your Blue Cross Blue Shield Benefits
Here are some other benefits to being a BCBS policyholder and enlisting the help of Addiction Treatment Services:
- We’ll thoroughly review your Blue Cross Blue Shield health insurance plan.
- We’ll help determine if you are covered for substance abuse treatment.
- We’ll help determine what kind of treatment and how much is covered.
- Blue Cross Blue Shield health insurance is accepted by almost every treatment center in the U.S., so we’ll identify which ones will work best with your policy.
We know the specifics of your insurance coverage are confusing and not always easy to understand. Addiction Treatment Services will clarify your insurance coverage with Blue Cross Blue Shield for you and make sure you have a better understanding of what your insurance will cover and what may or may not come out of pocket.
Understanding your treatment center options is important for both your sobriety and long-term health goals. Addiction Treatment Services does a thorough job of explaining what your insurance covers and which treatment centers are available in light of your policy.
A side note: Blue Cross Blue Shield plans often require some kind of pre-certification for any inpatient hospital or facility treatment for substance abuse. Pre-certification, also known as prior-authorization, is the process of getting a pre-approval from Blue Cross Blue Shield before receiving any services. This is to let the provider know in advance what services will be covered by your health plan.
The Addiction Treatment Services Promise
We won’t recommend a drug and alcohol rehab facility unless it meets or exceeds our own standards of what comprises an effective, comprehensive and client-centered program. At Addiction Treatment Services, we’ve been in your shoes and understands what you’re going through. Sometimes what you think you need for your recovery isn’t necessarily what’s going to work best.