Financing Sex Addiction Treatment Using Blue Cross Blue Shield Insurance
(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 an informational site only and is not affiliated or sponsored by Blue Cross Blue Shield.)
Does Blue Cross Blue Shield Insurance Cover Treatment for Sex Addiction Treatment?
Sex addiction, or hypersexual behavior disorder, is an increasingly recognized condition that often stems from underlying psychological issues and frequently co-occurs with substance abuse disorder, depression, and other mental health conditions. The road to recovery is not a simple one and finding the right insurance coverage for sex addiction may seem 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, insurance carriers like Blue Cross Blue Shield are required to provide coverage for mental health treatment. The amount of coverage, however, can vary greatly from plan to plan. 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 is actually a nationwide network of insurance plans that administered by different insurance providers. Your plan's specific coverage levels will depend on your location and which plan you have. There are some Blue Cross Blue Shield insurance plans that will cover rehab or treatment for sex addiction as part of the patient's mental health benefits. Choosing an in-network provider versus an out-of-network treatment program will help you ensure the greatest level of insurance coverage, but there may still be limitations. Many insurance policies will not cover over-the-counter medication, luxury facilities, or alternative methods such as yoga or massage therapy.
How much of the Cost of Rehab is Covered by Blue Cross Blue Shield?
The amount of treatment costs covered by Blue Cross Blue Shield will depend on your individual plan. Some patients may have a deductible that they need to meet before their insurance will begin covering the cost. Others may have a pre-determined percentage of treatment costs paid by the plan. Some plans require patients to pay for the costs out-of-pocket and then submit their receipts to the insurance company for reimbursement. Review your policy documents or speak with a plan administrator to understand how your policy works, then review that information with your chosen provider to determine a treatment program that meets your financial abilities. The overall cost of treatment will depend on a number of factors such as duration and intensity of care.
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 a sex addiction treatment program that is not covered by their insurance just because that's the best program to meet their needs.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Sex addiction, or hypersexual behavior disorder, is an increasingly recognized condition that often stems from underlying psychological issues and frequently co-occurs with substance abuse disorder, depression, and other mental health conditions."
Choosing between inpatient and outpatient therapy is an important first step in the treatment process. You can discuss your options with your primary care doctor or other medical professional to determine which option best meets your treatment needs and fits your plan for recovery. Inpatient treatment is when a patient lives in 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 via office visits. Both forms of treatment have their benefits and drawbacks, so which one is best for a patient will depend on their unique circumstances.
Should I Choose a Residential Rehab Center?
Residential treatment centers can be costly, even if your insurance plan does cover a portion of the expense. For many patients, the intensive level of care received during their stay at an inpatient facility is worth the investment. If using your Blue Cross Blue Shield plan to seek residential treatment, select a provider in your insurance plan's network for the maximum benefit amount.
Will Blue Cross Blue Shield Pay for Local Rehab and Out-of-State Treatment?
Whether a treatment facility is local or out-of-state will not affect your insurance coverage as much as whether it is in-network or out-of-network for your plan. Be sure to visit your insurance provider's website or call the customer service line for a list of in-network providers in your desired area.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
Most insurance plans will not cover the additional expense incurred with seeking treatment from a private or luxury facility, but there may be some coverage available so check your plan carefully. Many patients believe that the comfort and relaxation achieved at treatment centers that offer high-end amenities helps them focus on their recovery and achieve lasting results. There is nothing preventing patients from seeking luxury treatment if they are willing to pay for it out-of-pocket.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment offers patients premium services created with working professionals and public figures in mind. These facilities cater to C-level executives who need to maintain contact with the office while receiving treatment, and public figures who need to keep their private and professional lives 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
- Experienced staff with expertise on treating business professionals and public figures
These services are typically above and beyond what insurance will pay for, but for many patients the specialized treatment is worth the extra cost.
What Treatment Length will Blue Cross Blue Shield Pay for?
Treatment for sex addiction can range anywhere from 1 to 3 months or longer, depending on the patient's needs. Check your insurance policy to see if your coverage is based on length of time, dollar amount, or some other determining factor. Many insurance plans will pay for at least a portion of the complete treatment program that your doctor determines is necessary.
What If I Have No Insurance?
If you are currently without any insurance at all, you still have options for receiving care for your sex addiction. Lower income individuals can apply for Medicare insurance or low-cost treatment from a public health facility. If your condition does not require urgent treatment, you could postpone care until the next open enrollment period for health insurance, and shop for a plan that offers the mental health benefits you need. Other options include healthcare loans, a line of credit, or financial assistance programs.
Frequently Asked Questions
- Will Blue Cross Blue Shield Cover Multiple Rehab Stays?
Blue Cross Blue Shield plans will generally cover some mental health care, but the exact dollar amount or number of times you can utilize a benefit will depend on your individual policy.
- Does Insurance Pay for Aftercare?
It depends on the types of aftercare therapies needed and plan for each patient.
- Could Rehab Make My Insurance Premiums Higher?
Utilizing your insurance should not immediately raise your rates. Plan premiums are typically set for a 1-year period.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Yes, insurance companies are now required by law to cover addiction treatment and other mental health problems.