Does Blue Cross Blue Shield Insurance Cover Treatment for Sex Addiction Treatment?
Sex addiction is a serious problem recognized by the World Health Organization that often occurs from underlying psychological issues that will need to be treated along with the sex addiction. The road to recovery is not a simple one and finding the right insurance coverage for sex addiction seems like an arduous process. Between all the different carriers and plans, it can be difficult for anyone to know even where to start.
Thanks to Affordable Care Act all insurance carriers, including Blue Cross Blue Shield, do offer coverage for sex addiction; however, it is a matter of finding the right insurance for the treatment a patient needs. This article helps those looking for treatment of sex addiction know the basics of Blue Cross Blue Shield Insurance coverage for sex addiction rehab/treatment, so patients can focus more on getting better and less on what insurance they should choose.
Type of Rehabs Blue Cross Blue Shield Will Pay For
Blue Cross Blue Shield insurance for sex addiction rehab coverage pays for many forms of rehab and treatment. There are some strict limitations on types of rehab that it will not cover, but usually as long as the treatment is in-network and traditional the plan will have you covered. Here are some types of treatment that Blue Cross Blue Shield simply won’t cover:
- Over-the-counter medication
- Luxury and Private Facilities
- Out-of-Network Facilities
- Alternative healing options such as yoga, massage, acupuncture, etc.
How much of the Cost of Rehab is Covered by Blue Cross Blue Shield?
How much of the cost of treatment/rehab is covered by Blue Cross Blue Shield depends mainly by one thing: the deductible. Every insurance plan has something called a deductible which is the amount you pay out-of-pocket before insurance kicks in. After you breach the deductible your insurance plan will cover the costs. However, it depends on your plan to determine what percentage of the cost Blue Cross Blue Shield will cover.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
There are no restrictions on what a patient can pay out-of-pocket for any sort of treatment. Many patients opt to pay for internet addiction treatment that is not covered by insurance just due to the fact it seems like a better option for their particular set of circumstances.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Sex addiction is a serious problem recognized by the World Health Organization that often occurs from underlying psychological issues that will need to be treated along with the sex addiction."
Choosing between inpatient and outpatient is something that should be discussed between a patient and a medical profession to determine what matches the addiction and lifestyle of the patient. Inpatient treatment is when a patient is committed to a facility where they constantly received medical and psychological attention while isolating the patient from outside forces that may tempt them to sink back into the addiction. Outpatient therapy allows patients to go about their regular lives while receiving care. Both forms of treatments have their benefits and drawbacks, but Blue Cross Blue Shield Insurance coverage for sex Addiction rehab/treatment extends to both, so insurance should not be a factor in determining which form of care is better suited for the individual seeking treatment.
Should I Choose a Residential Rehab Center?
The type of treatment suited for an individual is best determined by a patient and a medical professional. There are an array of circumstances that determine whether a resident center is right for a patient including the severity of the addiction, genetics, environment and more. Each case is a little different, but as long as it comes with a doctor’s referral, residential treatments are covered by Blue Cross Blue Shield insurance for sex addiction rehab.
Will Blue Cross Blue Shield Pay for Local Rehab and Out-of-State Treatment?
Blue Cross Blue Shield insurance for sex addiction rehab covers both local rehabs and out-of-state rehabs. As long as the facility is in-network with Blue Cross Blue Shield, the insurance will definitely cover the treatment.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
All insurance carriers only cover the most basic care for all forms of addiction. Blue Cross Blue Shield does not cover private or luxury treatments, because it goes beyond what the average patient needs to get better. There is nothing limiting patients from seeking out these types of treatment if they are willing to pay for it out-of-pocket.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment offers patient premium services create with the work professional and public figures in mind. This form of treatment shoots to maintain the needs of those who need to keep their medical and professional life completely separate. Here are some features that you can expect from executive treatment:
- Guaranteed Privacy
- Allowances for Making Outside Contact for Work with Clients, Co-workers, etc.
- Customized Treatments to Match the Specific Needs of Clients
- Interaction with Similar Peer Group within the Facility
- Staff Offers Experience and Expertise for Treating Business Professionals and Public Figures
Unfortunately, Blue Cross Blue Shield insurance for sex addiction treatment does not cover executive treatment, but for many patients the specialized treatment is worth the extra cost.
What Treatment Length will Blue Cross Blue Shield Pay for?
Blue Cross Blue shield will pay for whatever length of treatment is deemed necessary the medical professional managing the patient’s problem. The average sex addiction treatment can range anywhere from one month to three months plus. The length of treatment depends on the severity of the addiction and the patient’s particular needs.
What If I Have No Insurance?
If an individual does not have insurance, their options for paying for treatment are based on income level. For lower income individuals, they can apply for Medicare or apply to be committed to a public health facility. For those who do not qualify as low income individuals, they can wait for re-enrollment for insurance to open back up or pay for treatment out-of-pocket.
Using Our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
We understand that this is a lot of information to process for anyone. Managing addiction is difficult enough without the headache of choosing the right insurance, so we designed a service to help patients navigate through the process. Call our hot-line at 1-888-341-7785 to get help on finding the perfect insurance plan for you.
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?
Blue Cross Blue Shields covers multiple with the approval of a medical professional.
It depends on the treatment and plan for each patient.
No, it is illegal for insurance carriers to make premiums higher after a patient seeks out treatment for an addiction.
Yes, insurance companies are now required by law to cover addiction treatment and other mental health problems.