You’ve decided you’ve had enough of your addiction and you need to seek treatment. That’s a big step, and it will make a very positive difference in your life.
The next step is to find a treatment program and determine how to afford it. Fortunately, the Affordable Care Act (ACA) that went into effect in 2010 defines addiction treatment coverage as an essential benefit. This means that almost every insurance plan has at least some coverage for inpatient treatment, outpatient treatment, or both.
Does Blue Cross Blue Shield (BCBS) cover drug rehab? To find out, here are the details you need to know.
Some American Addiction Center facilities have a strong relationship with Blue Cross Blue Shield. Give us a call at 1-888-509-8965 Who Answers? or use the online insurance checker to see if there is coverage under your plan.
Inpatient treatment can be productive in changing your environment so that you can change your mindset and habits. It can be challenging to end your addiction if you’re surrounded by friends or family members reinforcing your old lifestyle.
Blue Cross Blue Shield has developed a designation program called BlueDistinction1 to highlight high-quality treatment programs. These facilities are focused on patient safety and outcomes and use evidence-based treatment programs that have been shown to make a difference.
If you choose a provider on this list, the insurance benefits that apply will vary depending on your specific plan. Before enrolling, contact the insurance company directly to verify coverage.
Outpatient treatment programs allow you to live at home while receiving treatment and attending classes and counseling. High-quality programs are listed in the BlueDistinction directory. However, not every program will be covered, and coverage levels may vary.
Your out-of-pocket costs, such as co-payments and deductibles, vary from program to program. Some programs may be in the BCBS network, while others are not. Be sure to investigate carefully before you commit to a treatment plan.
Individual and family health insurance plans2 are available online through the local BCBS insurance companies that service each region. You may also be able to find a Blue Cross Blue Shield health plan through the Insurance Marketplace and receive assistance with monthly payments.3
There are various kinds of plans, including health maintenance organizations and preferred provider organization options. Each option will have a different network of providers, so you’ll need to make sure the program you’re interested in is covered.
If you have Medicare, there are Medicare healthcare coverage options available at Blue Cross Blue Shield.4 Medicare Advantage plans give you everything you would receive in Part A and Part B, along with additional benefits. Most plans include prescription drug benefits, for instance, as well as health and wellness options.
Individuals covered by Medicaid may be able to get healthcare benefits5 through BCBS. These benefits will vary based on which state you live in, but some level of addiction recovery should be covered. You’ll want to check with various treatment providers to make sure they accept Medicaid coverage.
One easy way to see which providers will accept your health insurance coverage is to use the insurance verification tool or fill out the form below.
Keep in mind, though, that your insurer will always make the final decision, so it’s important to talk to them as well.
Detox is the process of allowing drugs to leave your body to help you return to normal. Withdrawal management generally includes evaluation, stabilization, and readying you to enter a treatment program.6 Detox should always happen in a supervised environment. The symptoms you experience will depend on what you’ve been using and how much you use. They may include illness, shaking, fever, anxiety, and other issues.
Contact BCBS to determine what coverage you have for a detox program. Detox is often included in a comprehensive treatment program, rather than being a separate procedure.
Does insurance cover drug rehab? There are several ways to review your Blue Cross Blue Shield mental health coverage. You can call the insurer directly and ask about specific programs or you can look at the specifics of your coverage online in your BCBS account.
You can also ask the treatment program if they accept Blue Cross Blue Shield therapy coverage. Always check with BCBS as well. You may find that the program isn’t in-network, or that out-of-pocket costs are higher than through another provider.
If you find that your deducible or co-payment is higher than you can afford, talk to the treatment program about whether assistance is available. They may have scholarships or financing options.
Making the courageous decision to seek treatment is only the first step. You’re beginning a lifelong journey of purpose, commitment, and sobriety. Before committing to a treatment program, always make sure to contact your insurer to verify coverage and deductibles.