(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is not affiliated or endorsed by the Blue Cross and Blue Shield Association or any of its licensees.)
Do Blue Cross and Blue Shield Companies Cover Detox Services?
Some Blue Cross and Blue Shield companies have contracted with providers across the country. Many government employees have insurance under its Federal Employee Program®, which covers inpatient professional visits and can include detox. During the detox phase, your brain adjusts to the lack of alcohol or another substance in your body. Symptoms of withdrawal can include feeling sick to your stomach and irritability, but those symptoms usually dissipate within a few days.
"During the detox phase, your brain adjusts to the lack of alcohol or another substance in your body."
Does it Cover Rehab?
Some Blue Cross and Blue Shield companies may offer plans that cover rehab, but it all depends on your policy. The Federal Employee Program® covers group and individual therapy sessions that you attend during outpatient rehab, but you're responsible for the copay or coinsurance.
You may be required to obtain pre-certification before seeking residential treatment. Again, the amount you will have to pay for addiction treatment can vary vastly so it's important to check the details of your individual plan.
Addiction Treatment Length that Blue Cross and Blue Shield’s Plans May Cover
Not everyone recovers from addiction at the same pace, which is why Blue Cross and Blue Shield companies may offer plans that might consider other factors when it comes to private addiction treatment
Instead of giving you a set length of time such as three days, the company will cover a portion of your stay based on your deductible and amount of coverage. If you have additional coverage through your employer or choose a more affordable treatment facility, you might enjoy a longer stay. The treatment center and your insurance will keep your information discreet regardless of the duration of your stay.
Specialty Alcohol and Drug Treatment
Many Blue Cross and Blue Shield companies may offer plans that look at mental health and substance abuse in the same way, and that is reflected in the pricing. For example, an unlimited stay at an approved inpatient treatment center may cost $250 out of pocket.
For an out-of-network treatment center, you might pay $350 plus a set fee based on your plan allowance. By letting you choose any treatment center, you get the chance to choose from some exclusive centers. You might rub elbows with an executive or a sports star while attending meetings, and these luxurious treatment centers have a wide array of amenities, including:
- Elegant dining rooms.
- Spa treatments.
- Holistic treatments.
- State-of-the-art fitness centers.
- Designer linens.
Insurance for Inpatient Addiction Treatment vs. Outpatient
Addiction isn't something that you can cure overnight, but with the proper help from professionals in a recovery center, you can start working on taking back your life. Whether your provider covers outpatient or inpatient programs, you'll want to decide which is the best option for you. When you want a fresh start that gets you away from former friends and loved ones who use drugs and alcohol, you can stay at a residential center. If you aren't ready to let loved ones know about your addiction, an outpatient program is a better option. You can schedule your meetings and sessions around work, school, or other personal obligations.
How to Cover What Insurance Won't
Not everyone has access to great insurance through a respected provider, but those people still deserve treatment from a great rehabilitation center. If you're one of the millions of uninsured Americans, now is the time to work out a payment plan with the facility. You agree to pay a small amount every month
and make installments until you've paid off the total cost of the stay, and the center agrees to start treatment immediately.
Verifying Coverage and Finding the Best Treatment
"Let us help you find out what rehab facilities accept your Blue Cross Blue Shield insurance."
According to the Substance Abuse and Mental Health Services Administration, more than 1.2 million Americans were in treatment for substance abuse in March of 2011. This figure shows that there are millions of people in the same situation as you. You can find out what rehab facilities accept your Blue Cross Blue Shield insurance by contacting your plan administrator, or you can work with the treatment center directly to answer all your payment questions.