Does Blue Cross Blue Shield Insurance Cover Treatment for Gambling Addiction?
You will have to check out your specific Blue Cross Blue Shield policy as each policy’s coverage differs. With gambling addiction becoming recognized more as a substance abuse you may qualify for coverage. Gambling addiction has been added to the Diagnostic and Statistical Manual of Mental Disorders. This is the manual that psychiatrists use to assist them with their diagnoses. In previous editions it was classed as pathological gambling. Now it is listed as a substance abuse disorder. Further, gambling addiction can be a combined problem with other mental health issues, such as bi-polar disorder or depression, both of which are covered by Blue Cross Blue Shield.
Type of Rehabs Blue Cross Blue Shield Insurance Will Pay For
Blue Cross Blue Shield will often pays, partially or in full, for inpatient treatment or outpatient therapy for addictions. Since gambling addiction is often part of other mental health issues, treatment might overlap with treatment for depression or other disorders. Blue Cross Blue Shield will at least partially cover medically necessary treatments, and it may cover parts of luxury or private treatments, depending on the individual plan.
How Much of the Cost is Covered by Blue Cross Blue Shield?
Each state where Blue Cross Blue Shield coverage is being offered will have its own criteria for what it covers. Some doctors who offer therapy for gambling addiction are part of this insurance provider’s network, which may mean you will pay less, while others will offer services out-of-network, but you will pay more. This also depends on whether your particular policy offers coverage for gambling addiction therapy.
Can I Cover Above What Blue Cross Blue Shield Will Cover to Receive Treatment?
Some gambling addiction treatment facilities may allow you to make private payments. Also, it will depend on whether you choose a treatment provider that is part of the Blue Cross Blue Shield Network or one that will accept payment outside of the network. If luxury treatment, executive treatment, or other specialized or experimental treatments are sought, you most likely will have to pay above what Blue Cross Blue Shield covers.
What Treatment Lengths Will Blue Cross Blue Shield Pay For?
As with other considerations, your treatment length coverage will depend on your plan. Most likely, Blue Cross Blue Shield will pay for treatment that is considered medically necessary — which may include treatment for mental health issues that go along with gambling disorders. Depending on the severity of addiction and the disorders, one may be treated for one month, two months or three months. Longer stays are available for extreme cases, and outpatient aftercare generally follows a treatment period.
Gambling Addiction Inpatient Therapy vs. Outpatient Therapy
"With gambling addiction becoming recognized more as a substance abuse you may qualify for coverage. Gambling addiction has been added to the Diagnostic and Statistical Manual of Mental Disorders."
You may find that there are more options for gambling addiction treatment on an outpatient basis rather than as an inpatient. Since gambling addiction has not been considered a medically diagnosable disorder for long, inpatient stay is not as likely as with other addictions. This will depend on whether this problem has led to additional problems like substance abuse, for example. It will also depend on whether you feel treatment as an outpatient is going to be enough to help you overcome your disorder.
Should I Choose a Residential Rehab Center?
Anyone that is suffering with a gambling addiction will most likely tell you that it creates a whole gambit of problems in their life. It not only affects them, but also those who they may live with or other loved ones. This can lead to other problems like depression or anxiety. If your problem has become this severe, then you may benefit from a residential rehab center treatment, so that you can totally focus on your recovery on a full-time basis.
Will Blue Cross Blue Shield Pay for Local Rehab and Out of State Treatment?
Blue Cross Blue Shield has many different health care coverage programs. In Montana, for example, there is the BCBSMT program, which encompasses the mental health/substance abuse components of gambling addiction. A policy holder for this medical insurance provider would need to check their policy carefully to determine if they are first covered under the mental health section, and if this coverage expands to gambling addiction. Check with the facility you are considering and your agent to determine if you will receive coverage.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
Your treatment options for gambling addiction may include rehab centers that offer private or luxury treatment. Medical coverage providers update their coverage options regularly, so there is a chance you will be covered for this treatment at some point. You would need to check your current policy then follow through to see if there have been any updates regarding this in relation to gambling addiction treatment. If these programs are not covered but you think they might be necessary for your recovery, you can figure out financing options with the specific facilities or pay out of pocket.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is tailored for those with high-powered careers who cannot take a leave from the essential duties of their work. Many Corporations pay close attention to the mental health of their top executives, and if they are in need of help for gambling addiction, they want to encourage treatment for their executives. Keeping an executive in a treatment setting that understands the pressures and work style that an executive faces may provide a better opportunity for recovery for these individuals.
What if I Have No Insurance?
You may find that there are rehabilitation programs that will make payment arrangements for your needed treatment if you have no insurance. Then it is important to follow the changes that are taking place in the Affordable Care Act, which includes substance abuse and addiction treatment as essential health care – you may be able to find coverage through the public marketplace. If you do not have insurance, do not despair. Treatment is still available.
Using Our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
With so many changes taking place regarding gambling addiction treatment and therapies, it can become overwhelming for you to try and determine what your Blue Cross Blue Shield policy will cover for you. We can help you sort this out. Call us at 1-888-341-7785. We are waiting to assist you.
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 Gambling Addiction and Mental Health Insurance Coverage?
If you one stay is not enough for you to overcome your gambling addiction or mental health disorder, multiple stays may be covered if deemed medically necessary. Check with your Blue Cross Blue Shield Agent and a medical consultant for more information.
Insurance should pay, at least partially, for any treatment that is necessary for your recovery, including aftercare.
Raising your insurance premiums because you have had a recognized medical condition should not increase your future insurance costs.
Obamacare has helped to make substance abuse and mental health insurance coverage qualify as essential coverage, meaning that insurance companies like Blue Cross Blue Shield have to cover it in some form.