(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.)
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. Internet addiction is a newly accepted mental health condition that already affects an estimated 5.7% of users. The average person spends 3.5 hours on the internet every day and it doesn’t seem like this behavior is going to go away any time soon.
The wide variety of insurance plan 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 treatment for 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?
Some Blue Cross Blue Shield plans do cover internet addiction, but there are a lot of variables when determining exactly what type of treatment is covered and to what extent.
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 any treatment providers or facilities that are in your plan's network will be the lowest out-of-pocket cost for you.
There are some components of rehab treatment that are not typically covered by insurance plans. These can include:
- Over-the-counter drugs.
- Alternative treatments like hypnotherapy, yoga, massage, acupuncture, etc.
- Out-of-network facilities.
- Luxury and private facilities.
- Executive treatment facilities.
It doesn’t matter what type of internet addiction you have; whether it involves social media, gaming or pornography, there are treatments that can help you. Discuss your needs with your doctor to get you into proper care as soon as possible.
How Much of the Cost of Rehab is Covered by Blue Cross Blue Shield?
Blue Cross Blue Shield is a nationwide insurance network that is divided into smaller regional providers that all offer different plans. Coverage for treating internet addiction varies, and may be categorized under general mental health care. Ultimately, the amount of treatment cost covered by Blue Cross Blue Shield 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 your insurance coverage offers. It is up to the individual patient how much they want to (or are able to) spend out-of-pocket for a treatment facility that matches their needs.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Discuss your needs with your doctor to get you into proper care as soon as possible."
Many insurance plans offer at least some level of coverage for both inpatient and outpatient treatment programs. Your doctor can help you determine whether inpatient or outpatient care will be better suited for your individual needs, and may even be able to refer you to an in-network facility that accepts your insurance plan.
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. For severe cases of addiction, residential rehab centers give patients full-time medical, psychological and emotional support to recover from the affliction. However, residential rehab is not a viable option for everyone. Some people just cannot take the time away from work and family. Residential centers are also more costly than outpatient therapy if you need to seek treatment outside of your insurance coverage.
Will Blue Cross Blue Shield Pay for Local Rehab and Out-of-State Treatment?
Blue Cross Blue Shield insurance coverage is determined based on whether a provider is in-network or out-of-network, not necessarily on the location of that provider. Your plan documents or website should include information about how to find an in-network provider based on your desired zip code.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
Most insurance providers do not cover the extra cost for private or luxury treatments, but some might. It's worth checking your plan so see if you qualify for this additional benefit. Remember that 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 offer specific treatment options for those who need to keep their working lives and private lives separate, or who just need to continue working while attending rehab. Here are some unique features executive treatment offers to make this possible:
- 100% guaranteed privacy.
- Patient can make outside contact for work purposes.
- 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?
The length of addiction treatment varies depending on the substance or behavior of abuse and severity of addiction. Most rehabs run anywhere from 1 to 3+ months. Your insurance plan may limit the amount of time it will cover for rehab treatment. If so, your policy documents will specify that.
What If I Have No Insurance?
If you have no insurance there are a few different courses of actions you can take depending on 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 and purchase a policy that offers mental health benefits.
Frequently Asked Questions
- Will Blue Cross Blue Shield Cover Multiple Rehab Stays?
If you relapse after your initial coverage, you'll want to check your plan to see if there's any restrictions on using your insurance for additional rehab treatments.
- Does Insurance Pay for Aftercare?
It varies from plan to plan and also depends on the specific type of aftercare therapy you need.
- Could Rehab Make My Insurance Premiums Higher?
Insurance premiums are usually set for a period of at least a year, so you shouldn't see any immediate increase in the cost of your coverage. Regardless, fear of a potential increase in the future should not keep you from going to rehab for your condition.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Yes, insurance carriers are now required by law to provide coverage for addiction and other mental health problems.