Blue Cross Blue Shield Insurance Covering For Drug & Alcohol Rehab
Disclaimer: We do strive to provide the most accurate and updated information about the addiction treatment insurance coverage of each provider. However, policy changes, as well as errors, do occur. So, confirm with your health insurance provider the level of your coverage.
Blue Cross Blue Shield (BCBS) Insurance policies cover drug and alcohol abuse rehabilitation. However, the coverage for these types of treatment varies depending on your policy and state. You might incur a small out-of-pocket amount for the addiction treatment, or in some cases, incur the whole cost regardless of having medical insurance.
Read on to find out more about Blue Cross Blue Shield Insurance coverage for alcohol and drug addiction treatment.
About Blue Cross Blue Shield Insurance
BCBS Insurance is one of the largest health insurance providers in the US. The health insurance covers more than 105 million Americans; every one in three Americans has a BCBS health policy.
BCBS provides coverage in all 50 states, DC, and Puerto Rico, through 36 independent companies such as Anthem Insurance. The family and individual BCBS plans fall into four categories:
- Bronze: This level has the cheapest premiums and highest deductible and generally covers 60% of medical expenses.
- Silver: This level has slightly higher premiums and a slightly lower deductible and generally covers 70% of medical expenses.
- Gold: This level has higher premiums and low deductibles, and generally covers 80% of the medical expenses.
- Platinum: This level has the highest premium and lowest deductibles, and generally covers 90% of medical expenses.
BCBS also has a Federal Employee Program (FEP) that covers more than half of all federal employees. The FEP plans provide benefits almost similar to the other BCBS plans.
BCBS has different policies, which cover varying benefits for drugs and alcohol rehabilitation. Also, the addiction treatment services covered depend on your state.
Generally, BCBS policies can cover costs associated with the following addiction treatment plans:
- Inpatient hospitalization
- Inpatient withdrawal management (detox)
- Intensive and standard outpatient treatment
- Partial hospitalization programs (PHPs)
- Residential rehabilitation programs
How to use Blue Cross Blue Shield Insurance for alcohol and substance abuse rehabilitation
Blue Cross Blue Shield plans cover addiction treatment on some level, and most treatment centers accept the cards. However, before approving your claims, your insurance provider requires confirmation from your primary care provider that the treatment is medically necessary.
Most BCBS companies provide you a behavioral healthcare coordinator that can help you find and enroll in an addiction treatment center. This service is convenient as it is confidential and your best bet at finding a facility in the BCBS network that provides services covered under your policy. Alternatively, you can find addiction treatment centers near you by using the locator tool on the Substance Abuse and Mental Health Services Administration (SAMHSA) website.
Most BCBS services will cover detox services, especially in the case of opioid, benzodiazepine and alcohol dependence. Therapy sessions, be they individual, group, or family, are also generally covered by most policies. The same case applies for co-occurring mental health issues. Additionally, your plan may or may not cover after-care treatment plans, such as relapse prevention.
Checking your Insurance coverage benefits
What will addiction treatment options your BCBS insurance plan cover? You can verify that by visiting the website of the independent BCBS insurance company covering you. If you do not know your company, find the 3-letter prefix of your ID number on your membership card and enter it on the BCBS Associations website. If you are under The BCBS Federal Employee Program, check your benefits by opening the FEP Blue site.