Cocaine is an expensive, illegal drug that produces a high, but can do significant damage to the heart and brain along the way. This highly addictive drug entices users to behave irrationally during the high. Once addicted, cocaine users will do most anything to get the next high. It is estimated that 14 percent of adults have used cocaine and one in 40 have used it in the past 12 months.
Does Blue Cross Blue Shield Cover Treatment for Cocaine Addiction?
Blue Cross Blue Shield offers coverage for treatment of cocaine addiction in most of its policies. The level of coverage will depend on the specific plan the individual holds. This includes medication, psychotherapies and inpatient or outpatient treatment options. Because cocaine addiction is very difficult to overcome, inpatient treatment is often necessary. Currently the FDA has not approved any drug for the treatment of cocaine; however, there are a number of drugs that help with the recovery process. These treatments are covered under most plans.
What Type of Rehabs Will Blue Cross Blue Shield Pay For?
The rehabs that are covered by Blue Cross Blue Shield will depend on the individual’s policy. Other factors include whether the chosen rehab facility is in-network or out-of network. The network program involves both specific doctors as well as treatment programs. Checking the policy to determine if the program you are interested in is covered is the best way to ensure you will be getting the maximum payout from the insurance policy. Treatment programs can include counseling, medication, inpatient and outpatient care.
How Much of The Cost of Rehab is covered by Blue Cross Blue Shield?
Blue Cross Blue Shield will cover each treatment programs at different levels based on the program and the policy. Understanding what the policy covers will help to reduce out of pocket expenses. Some policies will cover treatment similar to treatment for other medical illnesses. Inpatient rehab treatment is treated like a hospital stay and will have co-pays, deductibles and maximum per-day costs that are covered. They will also have a maximum per occurrence.
Can I Pay Above What my Insurance Will Provide to Receive Treatment?
Coverage for rehab treatment can be whole or partial coverage and is determined by the policy. Most policies do not cover 100 percent of the costs of treatment. For many policies deductibles must be met before the insurance will begin making payments. The co-pays and deductibles are established in the specific policy the individual has. Meeting with the financial department of the treatment program and reviewing the policy will help to determine how much the user or family will be required to pay in order to get the treatment desired. Selecting a program that is considered in-network will provide the highest levels of coverage.
Inpatient Addiction Treatment vs. Outpatient Treatment
"Once addicted, cocaine users will do most anything to get the next high. It is estimated that 14 percent of adults have used cocaine and one in 40 have used it in the past 12 months."
Cocaine is a highly addictive substance and often requires intense therapy and treatment programs to overcome. In these cases inpatient or outpatient treatment may be necessary in order to provide long-term recovery. Inpatient programs offer 24-hour care in a safe environment where all activity is monitored. This helps the user get past the intense withdrawal symptoms and develop coping skills that can be used once they re-enter society. Without these skills it is likely the user will relapse. Outpatient programs offer similar treatment options without the patient staying at the facility. They receive counseling, medication, group therapy and coping skills while still being able to meet their other obligations like work and family. Choosing a treatment program will depend on the individual and the family. When the individual realizes they need help and wants to quit the odds of long term recovery are significantly higher.
Should I Choose a Residential Rehab Center?
A residential program is an intense program that requires complete abstinence in the face of significant withdrawal symptoms. The 24-hour care is often needed when an individual is trying to recover from a strong addiction like cocaine. However, personal circumstances must be taken into consideration when it comes to determining which treatment program is best for the addict. Many considerations including family and work needs, and the commitment of the individual.
Will Blue Cross Blue Shield Pay For Local Rehab and Out-of-State Treatment?
Blue Cross Blue Shield coverage will be determined by whether the program is considered in-network or out-of network. This is a more significant factor. The needs of the individual must be the primary consideration for each decision. In-network options will provide the highest level of insurance coverage leaving the family with the lowest out of pocket expenses. Out-of-network costs are generally significantly lower in coverage amounts. Insurance does not cover the cost of transportation to and from the selected treatment center.
Does Blue Cross Blue Shield Pay For Private or Luxury Treatment?
Blue Cross Blue Shield offers coverage for private and luxury treatment, but policy coverage will vary depending on the specific policy. Insurance coverage can include either whole or partial payments for private rooms and luxury services. Any costs above the covered amount must be paid by the policyholder or their family. Private rooms and luxury options can encourage the addict to remain in the program for the full amount of time needed for a long term recovery. These features can include a private rather than a shared room, spa treatments and gourmet meals.
What Does Executive Treatment Offer Over Other Rehabs?
Executive programs are created for addicts that must continue to work or operate a business while they are in a treatment program. These facilities offer facilities that enable the patient to complete work assignments while still completing the elements of the treatment program. Business owners, executives and other patients with obligations that cannot be put on hold benefit from executive treatment programs.
What Treatment Lengths Will Blue Cross Blue Shield Pay For?
Cocaine treatment programs can range from 30 to 90 days for inpatient programs. For more severe cases, longer stays may be required. Coverage amounts will place a payment maximum that includes a per day maximum as well as a per occurrence. Some policies also have a lifetime maximum. Payment for a specific treatment program will be covered based on these policy limits. The type of treatment program and whether it is in network will also be used to determine the total amount of coverage that is offered.
What If I Have No Insurance?
Most communities offer 12 step programs that are free for everyone. These can help either before or after a treatment program has been completed. For some this support is enough to break the addiction. For others more intense treatment is required. Finding a treatment program that charges on a sliding scale, based on the individual’s income, is one way to keep costs down. Another is to look for a treatment program that offers financial assistance or scholarships. Most programs offer payment plans and accept credit cards. Speaking with the director of the program or the financial department of the treatment facility is a good way to explore the options.
Using Our Helpline to Determine Blue Cross Blue Shield Rehab Options
Cocaine addiction impacts both the user and those who love and care about the addict. If you or someone you know is suffering from cocaine addiction get help by calling 1-888-341-7785. This helpline will provide resources and direction about what options are available and where help can be obtained.
Questions and Answers
- Will Blue Cross Blue Shield Cover Rehab Stays?
- Does Insurance Pay for Aftercare?
- Could Rehab Make My Insurance Premiums Higher?
- Has The Affordable Care Act (Obamacare) Affected Cocaine Addiction and Mental Health Coverage?
Most Blue Cross Blue Shield policies cover rehab stays either in part or full.
Aftercare is essential to long term recovery. This can include getting community support through a 12 step program as well as continuing to work with professionals. Policies will often cover continued counseling and medical treatment including prescription drug coverage.
Insurance costs are determined by many factors. The overall cost of healthcare and the risk for specific groups help to determine rates and rate increases. Generally getting care and treatment will not impact the overall rate for a policy.
The Affordable Care Act has increased the requirements for covering treatment for addiction and mental illnesses, requiring similar levels as other medical care. This has resulted in increased coverage for many who suffer from addictions.