Does Blue Cross Blue Shield Insurance Cover Treatment for Opiates/Opioids Addiction?
Opioids, also known as opiates, are a specific drug classification that includes morphine, codeine, Percodan, oxycodone and heroin; these drugs are highly addictive. In general, Blue Cross Blue Shield will provide coverage for addiction treatment for opioids. To learn how much coverage Blue Cross Blue Shield will provide for addiction to these substances, you need to check with your specific plan. Your policy and the state you live in will affect your coverage.
Type of Rehabs Blue Cross Blue Shield Insurance Will Pay For
Blue Cross Blue Shield provides coverage for inpatient and outpatient programs, either partially or in full. It also may offer coverage for luxury, private or executive treatment plans — depending on your policy. However, it isn’t likely that it will pay the full price for plans with more amenities.
How Much of the Cost is Covered by Blue Cross Blue Shield?
The cost covered by Blue Cross Blue Shield depends on the treatment you are receiving and the type of plan you have. The mental health portion of your plan should cover addiction treatments for opiates/opioids. However, if you seek plans with additional, special treatments, these may not be covered by Blue Cross Blue Shield and you may have to pay above what the company is covering.
Can I Cover Above What Blue Cross Blue Shield Will Cover to Receive Treatment?
If you feel that your medical coverage is not going to include all of the offered treatments to you at your chosen rehab, then you can talk to this establishment about paying for the additional treatment yourself. It is likely there will be instances where you will have to pay above what Blue Cross Blue Shield covers to meet your treatment needs, especially if you or your doctor request special treatment.
What Treatment Lengths Will Blue Cross Blue Shield Pay For?
One of the beneficial aspects about using a medical coverage provider like Blue Cross Blue Shield is that it offers many different levels of coverage. You may receive treatment for one, two or three months — though it’s possible to stay longer depending on your plan or if you are willing to pay above your plan. Consider your treatment needs, your life pressures and your insurance plan when determining how long you stay in a program. Further, it’s important to know that opiate/opioid addiction is considered a broad spectrum drug addiction. It encompasses several different types of drugs. The primary use of the specific opiate can play a factor in the length of time spent in rehab that will do the most good.
Inpatient Addiction Therapy vs. Outpatient Therapy
"In general, Blue Cross Blue Shield will provide coverage for addiction treatment for opioids. To learn how much coverage Blue Cross Blue Shield will provide for addiction to these substances, you need to check with your specific plan."
Inpatient addiction therapy involves the patient living at the treatment center and becoming secluded from outside triggers and pressures. Outpatient therapy, on the other hand, involves the patient visiting counsellors and treatment experts while still living at home and possibly even working. Inpatient addiction is recommended for more extreme opiate addiction cases where the drug has taken over the patient’s life.
Should I Choose a Residential Rehab Center?
Discussing your needs with your health care provider, a doctor or treatment experts to gain a full understanding of how severe your addiction is, as well as the challenges you will face overcoming your dependency on opiates/opioids. A residential rehab center is best for those who have completely lost control over their addiction.
Will Blue Cross Blue Shield Pay for Local Rehab and Out-of-State Treatment?
While local rehab facilities are more likely to be covered, Blue Cross Blue Shield will pay for out-of-state treatment if the facility is in their network. This affords you some flexibility when choosing your rehab facility. If you wish to keep your treatment private, you might opt for out-of-state treatment, which means you will have to make sure Blue Cross Blue Shield will cover that rehab facility. It’s also possible that the best rehab for you is out-of-state. You should do research to determine which option is best for you.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
As with most addiction treatment issues, this comes down to what your policy says. It is important to remember that not all polices are the same, so if you know of someone who was not covered for private or luxury treatment, it doesn’t mean you won’t be covered. Since these plans offer more amenities, you may have to make up more of the difference of what Blue Cross Blue Shield isn’t paying for.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is designed for people with high-level or high-profile jobs. This type of treatment provides you with extra privacy while undergoing treatment. Moreover, executive treatment was made with the high-pressure life of an executive in mind, meaning this treatment is tailored to help relieve the unique pressures and stressors of executive work. If you are an executive or other high-profile worker who is afflicted by opiate addiction, this may be the best option for your treatment.
What if I Have No Insurance?
If you don’t have Blue Cross Blue Shield or other insurance, you can still get help. Many rehab facilities will work with you to set up a payment plan that works for you. Further, there are some non-for-profit facilities that will help you for free. Talk to a doctor or treatment expert, or call us at 1-888-341-7785 to learn how you can get help without insurance.
Using Our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
One of the most disturbing aspects about being an opiate addict is the sense of loneliness that comes with it. When seeking out help by way of rehabilitation, it can be overwhelming considering all of the information there is to digest. Having to decipher what your Blue Cross Blue Shield coverage can be confusing and frustrating. We can help you with all of this if you call us at 1-888-341-7785.
Question and Answers
- Will Blue Cross Blue Shield Cover Multiple Stays?
- Does Insurance Pay for AfterCare?
- Could Rehab Make my Insurance Higher?
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Should you need a repeat stay due to relapse or other issues, Blue Cross Blue Shield may cover the additional treatment — especially if you have a note from your treatment counsellor that you need more help.
Blue Cross Blue Shield should pay for aftercare if it is deemed an essential part of your recovery.
Since rehab is part of Blue Cross Blue Shield policy, enrolling in a program should not cause your premiums to be raised. Most reputable medical insurance providers are not in the habit of raising their premiums based on policy usage.
Obamacare has effectively expanded substance abuse and mental health insurance coverage by making such coverage an essential benefit.