What Kind of Coverage Does Blue Cross Blue Shield Insurance Offer for Internet Addiction?
When searching through different insurance options for internet addiction, it is hard to find out exactly what different insurance carriers cover. It can especially become tricky given internet addiction is a newly accepted type of addiction in the medical field even though it already affects an estimated 5.7 percent of users, and with the average person spending 3.5 hours on the internet everyday2 this doesn’t seem like a problem that is going to go away anytime soon.
The wide variety of options is overwhelming to many customers who do not have the time to dedicate to a 24/7 search for insurance. Luckily, thanks to the Affordable Care Act insurance carriers must cover all forms of addiction and mental health problems, so we do know that every carrier offers some form of coverage for internet addiction. The question is how much do these insurance companies offer?
Blue Cross Blue Shield does cover internet addiction, but there are a lot of variable when determining exactly what type of treatment it will cover and not. This article is to help guide you through the process of finding out what Blue Cross Blue Shield has to offer.
Type of Rehabs Blue Cross Blue Will Pay For
With researching Blue Cross Blue Shield insurance for internet addiction rehab, you probably want to know exactly what kind of treatment options Blue Cross Blue Shield covers. The basic rule of thumb is that anything in-network and considered a traditional form of treatment is covered by Blue Cross Blue Shield.
These are types of rehab/treatments that are not usually covered by Blue Cross Blue Shield:
- Over-the-counter drugs
- Alternative rehab treatments (like hypnotherapy, yoga, massage, acupuncture, etc.)
- Out-of-Network Facilities
- Luxury and Private Facilities
- Executive Treatment Facilities
One last important note for this particular addiction is that it doesn’t matter what type of internet addiction you have; whether it involves social media, gaming or porn, Blue Cross Blue Shield will cover a type of treatment catered to that problem.
How much of the Cost of Rehab is Covered by Blue Cross Blue Shield?
When looking at different insurance carriers, you’ll soon realize most big carriers are divided into smaller regional carriers that all have different plans. All of the different carriers and plans offer different coverage for treating internet addiction. This ultimately means how much Blue Cross Blue Shield insurance for internet addiction treatment depends on where you live and what plan you choose.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Yes, you can pay as much as you want for treatment regardless of what Blue Cross Blue Shield insurance for internet addiction rehab coverage offers. It is up to the individual how much he wants to spend out-of-pocket for a treatment facility that matches their needs. If any patient determines he wants to spend extra for treatment he wants, there are no rules or regulations that can stop them from doing so.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Blue Cross Blue Shield does cover internet addiction, but there are a lot of variable when determining exactly what type of treatment it will cover and not."
Blue Cross Blue Shield insurance for internet addiction rehab covers both inpatient addiction treatment and outpatient therapy, so insurance should not be a determining factor. Whether inpatient treatment or outpatient therapy is more suited to the patient’s needs should be determined between a medical professional and the patient. Afterwards, depending on the insurance plan, the doctor will write a referral for a patient to receive one of the two forms of treatment, so that the insurance will cover the treatment needed.
Should I Choose a Residential Rehab Center?
Whether or not a residential rehab center is appropriate for a person with internet addiction should be determined by a medical professional and the patient. It is important to note that for severe cases of addiction residential rehab centers give patients full-on medical, psychological and emotional support to recover from the affliction. However, residential rehab center is not a viable option for everyone, because some addicts just cannot take the time away from work and family. This is definitely a question that should be taken on case by case basis.
Will Cigna Pay for Local Rehab and Out-of-State Treatment?
Blue Cross Blue Shield insurance for internet addiction treatment covers any rehab facilities that are in-network. So it does cover local and out-of-state rehab treatment as long as the facilities are in-network with Blue Cross Blue Shield.
Does Cigna Pay for Private or Luxury Treatment?
Like all other insurance carriers, Blue Cross Blue Shield does not cover private or luxury treatments in any of its plans. The reasoning for this is that Blue Cross Blue Shield and other carriers think that extra services go beyond the basics of what a patient needs to get better. Remember as long as patients have the financial resources, they can pay for any type of insurance they choose.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatments are meant to cater to the needs of working professionals and public figures. These programs give patients specific treatment options that match the needs of those who need to keep their working lives and private lives separate. Here are some unique features executive treatment offers to make this possible:
- 100 percent Guaranteed Privacy
- Patient can Make Outside Contact for Work
- Customized Treatment Plans to Match the Specific Needs of Patients
- Interaction with Similar Peer Group within the Facility
- Staff Offers Experience and Expertise for Treating Business Professionals and Public Figures
What Treatment Length will Blue Cross Blue Shield Pay for?
Blue Cross Blue shield will pay for any length of treatment as long as it is recommended by a doctor. Most rehabs run anywhere from one to three plus months depending on the severity of the addiction. If a patient chooses to take longer than recommended by their doctor, Blue Cross Blue Shield will not cover the cost.
What If I Have No Insurance?
If you have no insurance there are a few different courses of actions you can take that are determined by your financial situation. First off, those who are considered to be in financial need can still sign up for Medicare to help cover their rehab costs, or they can apply to public mental health facilities. For those who do not financially qualify for these options, they can either pay for treatment out-of-pocket or wait until insurance opens back up for re-enrollment.
Using Our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
Just looking at this basic information about Blue Cross Blue Shield Insurance coverage for internet addiction rehab/treatment, some may feel extremely discouraged by the amount of options and information needed to sort through to choose a carrier and plan. Allow us to help you pick the perfect insurance carrier, because we are experts in this particular field. Give us a call at 1-888-341-7785, so we can get you on the right path to insurance asap.
Frequently Asked Questions
- Will Blue Cross Blue Shield Cover Multiple Rehab Stays?
- Does Insurance Pay for Aftercare?
- Could Rehab Make My Insurance Premiums Higher?
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Yes, as long as a doctor writes a referral for the extra stays.
It varies from plan to plan.
No, how much your insurance cost is determined by two things: age and tobacco use. It is against the law for an insurance company to raise your premium post-rehab.
Yes, insurance carriers are now required by law to provide coverage for addiction and other mental health problems.