BCBS stands for Blue Cross Blue Shield and is among the biggest of the healthcare insurance providers across the United States. They provide coverage to over 100 million people every year. Blue Cross Blue Shield offers drug rehab program insurance also. These substance abuse treatment policies vary according to the coverage amount and by the plan.
The individuals that use their Blue Cross Blue Shield insurance plans in order to cover the costs associated with rehabilitation can take advantage of significantly reduced costs, and in some cases, their entire stay will be covered by BCBS. Affording drug rehab should not keep you from getting the treatment you need and with high quality insurance policies such as the ones offered by Blue Cross Blue Shield, it doesn't have to be.
Blue Cross Blue Shield generally covers services for addiction treatment that includes the following:
• Medically supervised detox
• Outpatient treatment
• Residential or inpatient programs
• Medication-assisted treatment
• Short-term treatment
• Long-term treatment
• Behavioral therapy
• Partial hospitalization programs
Each of the Blue Cross Blue Shield plans offers different coverage levels. What this actually means is that, while all the services are usually covered, each service is covered at a specific percentage level for each plan.
People on the Bronze plans who generally pay a monthly premium that is lower with a higher deductible might have to pay in bigger copays for some of the services. On the other side, people on the Gold plans pay a monthly premium that is higher, but the deductible is lower, usually pay in less for some of the services and have lower copays.
Every plan with Blue Cross Blue Shield is uniquely tailored to the policyholder. This is why it becomes important to first consult with one of the plan specialists to find out more about your own unique BCBS plan, along with your coverage level.
How To Find Blue Cross Blue Shield Rehab Centers
When you start looking for drug and alcohol rehab centers, before you choose a program, you must find out whether the center you have chosen accepts your Blue Cross Blue Shield Plan.
Making sure you enroll in a rehabilitation program at one of the facilities that have stated that they accept your insurance plan can help to eliminate any issues which might come about when it comes to insurance compliance.
When you use an insurance plan to cover the costs involved for your rehab treatment, it is the best method to make sure the majority of the costs for the treatment have been covered. This will lower your concerns about the costs involved and provide you with an opportunity to focus your attention on your recovery and healing from the detrimental effects of your addiction.
Does A Rehab Center Have To Be In-Network?
Some of the Blue Cross Blue Shield plans will require that a rehab center needs to be in-network to provide all coverage levels. These are known as Health Maintenace Organization (HMO) plans.
With an HMO plan, a specified network of the treatment providers will be made available to the policyholders. In order to receive coverage, the policyholders with an HMO Blue Cross Blue Shield plan can only seek treatment from this network of providers.
With the Preferred Provider Organizations (PPO) plans through BCBS, the policyholders are offered with slightly more of a selection. The PPO plans also offer a network of the treatment providers, yet the selection is typically greater.
In addition, the PPO plans might still offer limited coverage when it comes to treatments offered through out-of-network facilities. To find out what type of plan you are under and if it is necessary to select from the specified networks, chat with your own insurance provider or with one of the treatment specialists.
The Addiction Treatment Length That The Plans Might Cover
Not every person will recover from addiction in one place, and this why the Blue Cross and Blue Shield organizations offer plans that take other factors into consideration in regards to private-based addiction treatment.
Rather than offering you with a set time frame, such as 5 days, your Blue Cross Blue Shield Drug Rehab insurance plan will provide coverage for a set portion of the stay which is worked out according to your coverage amount and your deductible. If you decide to choose from one of the treatment facilities that are more affordable, or you have additional coverage from your place of employment, you may eligible for longer stays.
Which Rehab Centers Accept Blue Cross Blue Shield?
The majority of the rehab centers and facilities accept Blue Cross Blue Shield insurance plans to treat addictions. However, each of the treatment centers usually has its own definitive list that contains coverage providers that they regard as acceptable.
This is why it is always advisable to conduct your own research into any of the prospective rehab facilities before you enter a treatment program to make sure the center accepts the plan that you are on. Finding the right rehab center is not difficult at all, especially with our easy to use search feature.
Most of the rehab facilities have their own treatment specialists that can answer the question you might have regarding your insurance and the treatment programs on offer.
Better yet, give us a call and we can make it easy on you. Our professional counselors can tell you which drug rehab centers near you accept Blue Cross Blue Shield insurance. We can also answer all your questions regarding addiction, rehab, insurance coverage, or anything else regarding treatment. Our number is 800-492-7848 and we are always open, 24 hours a day.
Using Your Blue Cross Blue Shield Insurance Plan For Inpatient Rehab Programs
The coverage amount that you will receive from Blue Cross Blue Shield for an inpatient rehab program varies not only by your plan but also by state regulations and laws.
The coverage is also impacted by where you decide to go for treatment, like a hospital or rehab facility. Here is an overview of Blue Cross Blue Shield coverage for inpatient treatments according to each plan:
- Bronze Plans
• At least a minimum deductible associated with the in-network treatment providers.
• The out-of-network treatments are usually not covered in the Bronze Plans.
2. Silver Plans
• A deductible and in most cases a co-pay.
• The out-of-network treatments are usually not covered.
3. Gold Plans
• A deductible, plus a copay percent which is usually less when compared to the Silver Plans
• The out-of-network treatments are usually not covered by the Gold Plans.
4. Platinum Plans
• The in-network inpatient treatments usually require a copay percent of a per-day copay.
• The out-of-network treatment plans are in some cases covered, but the copay rate will be higher when compared to the in-network inpatient treatment.
The Inpatient treatment using Blue Cross Blue Shield starts off with a Standard Option at a $35 per day copay (unlimited amount of days).
The Basic Option requires a $175 per day copay (unlimited amount of days), with a total of up to $875 per admission (unlimited days).
The plans do vary, and these figures are only an estimation. You may pay less or more for co-pays depending on what Blue Cross Shield plan you have. For more information on how insurance can cover treatment, we have many more resources in this space. You can also call us anytime.
Using Your Blue Cross Blue Shield Plan For Outpatient Addiction Treatment
The services for outpatient addiction treatment that are covered by the Blue Cross Shield plans are at similar rates to the inpatient rehabilitation programs. Yet the services made available for the different outpatient treatments usually vary greatly. This typically depends on whether you seek treatment from a hospital, a rehab center, or through your doctor’s office.
Here is an overview of Blue Cross Blue Shield coverage for outpatient addiction treatments according to each plan:
- Bronze Plans
• You might need to meet the deductible for any in-network coverage.
• Coverage for out-of-network is not usually provided.
2. Silver Plans
• In-network coverage might require a deductible and a copay percent
• The out-of-network coverage is generally not provided.
3. Gold Plans
• A copay percent is in some cases required after the deductible has been met for in-network coverage.
• The out-of-network coverage is typically not provided.
4. Platinum Plans
• The percents and copays can vary according to the plan for in-network coverage.
• The out-of-network coverage is offered at a copay percent that is higher along with a higher deductible.
Does Blue Cross Blue Shield Insurance Cover Medication-Assisted Treatment?
Specific types of medications are frequently used for medication-assisted treatments for opioid abuse to assist with improving recovery outcomes over the long-term. Medications such as Revia (naltrexone), Methadone, and Suboxone (naloxone and buprenorphine) are used together with other behavioral therapies to assist patients when they stop using opioids.
When a patient is prescribed with these types of medications to form a portion of the treatment plan, prior authorization will usually be a requirement so that the medications are covered. The doctor of the patient in most cases will need to provide documents or information that shows evidence as to why medication is required for the treatment.
Methadone is a medication that is available only through the Opioid Treatment programs who have been certified with the SAMHSA, which stands for Substance Abuse and Mental Health Services Administration. What this means is that you are unable to go through a pharmacy in order to collect your prescription. Methadone treatment typically lasts for a minimum of 12 months or longer, yet long-term treatment using Methadone is usually not covered by Blue Cross Blue Shield.
Does Blue Cross Blue Shield Cover Sober Living Houses?
The Sober Living Houses, which are also known as Halfway Houses, provide a level of “transitional” housing for patients that have already completed addiction treatment, but might not be equipped to return to their normal daily life. Residents are offered the opportunity to reside in a sober and safe environment while they work towards living a sober and clean life.
Even though these Sober Living Houses provide an environment that is safe where patients are able to recover from their addictions, these environments are not classified as treatment centers or facilities. It is for this reason, that they are usually not covered by Blue Cross Blue Shield.
States That Provide Blue Cross Blue Shield Insurance Plans
There are currently 36 Blue Cross Blue Shield companies across the states in the U.S. and these organizations offer plans for health coverage across all 50 states, Puerto Rico, and the District of Columbia. Keep in mind that the Blue Cross Blue Shield companies are independent, which means that the plans might go by different names across the different states.
Tips On How To Pay For The Costs Not Covered By Your Insurance Plan
Due to coinsurance percentages, co-pays, and daily fees associated with inpatient or outpatient treatments, your insurance plan might not cover every cost linked with your treatment. Understanding these fees and coverage is important, and once again we can help with that.
However, the fees involved shouldn’t be your deciding factor when you are thinking about entering treatment. There are various payment options and programs available to assist addicts in getting the help that they need in order to recover.
A few of the options include payment plans for individuals offered by scholarships, rehab centers, private financing, grants, credit cards, savings accounts, among other types of private-pay plans.
Our treatment specialists here at Rehab info can assist you in finding out what your Blue Cross Blue Shield insurance plan will cover, and the different treatment options that are available to you. One call does it all. You call us and we will answer all of your questions.
Blue Cross Blue Shield is a top provider of drug rehab insurance. But they are not the only insurance company drug and alcohol rehab centers work with. Aetna, Cigna, United Heath Care, and The Empire Plan are also excellent insurance providers.