Does Blue Cross Blue Shield Insurance Cover Treatment for Video Game Addiction?
According to the experts at WebMD, video gaming is becoming a compulsive disorder. Although this is a developing disorder, Blue Cross Blue Shield may cover treatment for compulsive disorders, depending on the plan. However, it may be more likely that you receive treatment for related disorders to video game addiction, such as depression or other mental health issues. What you are covered for in respect to video game addiction will be outlined in your specific policy according to the state in which you obtained it.
Type of Rehabs Blue Cross Blue Shield Will Pay For
In general, Blue Cross Blue Shield will cover inpatient and outpatient treatment, at least partially. Depending on your plan, it may not cover types of treatment with higher amenities, such as luxury or executive treatment programs. Since video game addiction is only newly recognized as a legitimate addictive disorder, insurances may be more likely to cover rehabilitation for related disorders, including depression.
How Much of the Treatment Costs Will Be Covered?
First, you need to see if your chosen rehab center accepts Blue Cross Blue Shield as an insurance provider. Then, you should review your policy or contact your Blue Cross Blue Shield agent to see how much you will be covered for video game addiction treatment. Again, you may receive more coverage for long-established mental health issues that often occur with video game addiction like depression. However, treatment for this habit turned addiction is being offered by more therapists and rehab centers because it is becoming recognized as a problem that many people are developing.
Can I Cover Above What My Blue Cross Blue Shield Will Cover?
Not only can you pay above what Blue Cross Blue Shield does not cover, depending on your chosen facility and treatment, you may be required to pay for related treatment that is not covered by Blue Cross Blue Shield. The developing nature of video game addiction treatment means that many treatments you desire may not be covered by insurance at this point in time. However, you are free to find other ways to finance your treatment, whether that is paying out-of-pocket or finding facilities that offer financing or scholarships.
What Treatment lengths will Blue Cross Blue Shield Pay For?
You will need to look at the specifics of what your policy coverage entails to know what treatment lengths Blue Cross Blue Shield will pay for. Depending on the severity of your addiction and related mental health and behavioral disorder problems, Blue Cross Blue Shield might cover 30-, 60- or 90-day treatment programs. If a medical counselor, rehab staff person or doctor deems longer stays necessary to your recovery, you may be covered for longer than 90 days. However, as video game addiction is not well-established as a diagnosable disorder, though, the length of stay covered may be shorter than that covered for more well-known addictions, such as cocaine, heroin or alcohol addiction.
Inpatient Addiction Therapy vs. Outpatient Therapy
"What you are covered for in respect to video game addiction will be outlined in your specific policy according to the state in which you obtained it."
Video games are easily assessable, and it can be difficult for the video addict that is being constantly exposed to them to get their habit in check. For those who have no control over their video game compulsion, inpatient addiction therapy, in which the patient lives 24/7 at a rehab facility, helps by cutting them off from access to video games. Even if the patient is not being treated for video game addiction at an inpatient facility but rather is being treated for mental health issues, such as depression, the seclusion from video games can help the patient overcome his addiction.
Outpatient therapy, on the other hand, allows the patient to live at home between scheduled treatment appointments. This is best for patients who have some control over their compulsions and are not as likely to succumb to their addiction between appointments.
Should I Choose a Residential Rehab Center?
Choosing a residential rehab center can be beneficial if you have a prolonged, severe and life-consuming addiction to video games. At a residential rehab center, you can be treated for behavioral and mental health disorders related to your addiction, all while being separated from access to video games. Consider a residential rehab center if you need intensive care to overcome your addiction, and check your Blue Cross Blue Shield plan to see if you will be covered.
Will Blue Cross Blue Shield Pay for Local Rehab and Out of State Treatment?
Blue Cross Blue Shield, depending on your plan, will cover any rehab facility that is an in-network provider. This means that you can potentially receive coverage regardless of whether the rehab facility is local or out of state. The locality of your rehab facility is largely a point of personal preference; if you want additional privacy and don’t mind travelling, an in-network, out-of-state facility might be best for you.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
If you find that you would prefer luxury treatment to be included with your video game addiction, therapy you will need to see how much Blue Cross Blue Shield will cover. You may be partially covered for mental health and behavioral disorders under some Blue Cross Blue Shield plans, but it is unlikely that you will be covered specifically for video game addiction therapy at a private or luxury treatment center.
What does Executive Treatment Offer Over Other Rehabs?
Executive treatment rehabs are designed around the working professional who has a lot of career responsibilities. In addition to providing enhanced amenities, executive treatment centers offer patients the ability to perform certain work tasks while receiving treatment. Through these centers, executives can get healthy without giving up their career responsibilities.
What if I Have No Insurance?
There are always options for you, even if you don’t have insurance. There are some facilities that offer free help for addictions and behavioral disorders, and others will work with patients to finance their care. You can also look into enrolling in Obamacare to become ensured. If your video game addiction is consuming your life, do not lose hope just because you don’t have insurance. Ask a doctor, counselor or other expert about ways to finance your treatment and get healthy.
Using our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
Finding the right rehab, exploring treatment options, and determining exactly what kind of rehabs and treatments Blue Cross Blue Shield will cover for video game addiction may be daunting. That’s why we’re here to help. Call us at 1-888-341-7785, and we will help you sort through your Blue Cross Blue Shield plan so you can get on the path to recovery.
Questions 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?
This depends on your specific plan, but you should receive some coverage for multiple stays if they are necessary to get healthy.
If aftercare is a medically necessary part of your care, then Blue Cross Blue Shield should cover it. You can ensure that aftercare is covered by pre-clearing it with Blue Cross Blue Shield before you begin treatment.
Using covered benefits will not cause your premiums to raise.
Obamacare is helping to expand substance abuse and mental health insurance coverage. It has provided options for people without insurance and has forced insurance companies to cover mental health and addiction treatment.