Blue Cross Blue Shield Insurance Coverage for Cocaine

Last updated on March 16th, 2021

  • Does Blue Cross Blue Shield Cover Treatment for Cocaine Addiction?
  • Inpatient Addiction Treatment vs. Outpatient Treatment
  • What If I Have No Insurance?
  • Determine Blue Cross Blue Shield Rehab Options
  • Questions and Answers

Cocaine is an illegal recreational drug that can cause significant damage to the heart and brain. This highly addictive drug entices users to behave irrationally during the high.

Cocaine users who become addicted may neglect personal responsibilities or activities they were once passionate about in order to pursue the next high. It is estimated that 14% of adults have used cocaine in their lifetime, and 1 in 40 have used it in the past 12 months.


Does Blue Cross Blue Shield Cover Treatment for Cocaine Addiction?

Blue Cross Blue Shield is a nationwide network of insurance providers, each of which determines its own level of coverage.

Many policies do provide at least some coverage for the treatment of cocaine addiction, but you’ll need to refer to your specific policy statements to understand your personal plan.

Basically, the level of coverage depends on the specific plan held by the individual. Covered benefits could include medication, psychotherapies, and inpatient or outpatient treatment options.

Because cocaine addiction is very difficult to overcome, inpatient treatment is often necessary. Currently, the FDA has not approved any drug for the treatment of cocaine; however, there are a number of drugs that can help with the recovery process and may be recommended if they are covered under the insurance policy.

What Type of Rehabs Will Blue Cross Blue Shield Pay For?

The rehabs covered by Blue Cross Blue Shield will depend on the individual’s policy. Important factors include whether the chosen rehab facility is in-network or out-of-network.

The network program includes both specific doctors as well as entire treatment facilities. Treatment programs can include counseling, medication, inpatient and outpatient care. Checking the policy to determine if the program you are interested in is in your network is the best way to ensure you get the maximum benefit.

How Much of The Cost of Rehab is covered by Blue Cross Blue Shield?

Blue Cross Blue Shield will determine payment levels for treatment programs based on the program and the policy. Understanding your policy coverage will help to reduce out-of-pocket expenses.

Some policies will cover treatment similar to treatment for other medical illnesses. Inpatient rehab treatment is often treated like a hospital stay and will have co-pays, deductibles and maximum per-day costs that are covered. They will also have a maximum per occurrence. is a subsidiary of American Addiction Centers (AAC), a leading provider in cocaine addiction rehab programs. AAC is in network with many of the top insurance providers in the U.S. including Blue Cross Blue Shield. Check here to see if your Blue Cross Blue Shield insurance covers cocaine addiction rehab. 

Can I Pay Above What My Insurance Will Provide to Receive Treatment?

Coverage for rehab treatment can be whole or partial coverage and is determined by the policy. Most policies do not cover 100% of the costs of treatment. For many policies, deductibles must be met before the insurance will begin making payments.

The co-pays and deductibles are outlined in the policy paperwork provided when you enrolled in the coverage. Consider meeting with the financial department of the treatment center and reviewing the policy to help determine how much you or your family will be required to pay in order to get the treatment desired. Selecting a program that is considered in-network will provide the highest levels of coverage.

Inpatient Addiction Treatment vs. Outpatient Treatment

“It is estimated that 14% of adults have used cocaine in their lifetime, and 1 in 40 have used it in the past 12 months.”
Cocaine is a highly addictive substance and often requires intense therapy and treatment programs to overcome.

In these cases, inpatient or outpatient treatment may be necessary to provide long-term recovery. Inpatient programs offer 24-hour care in a safe environment where all activity is monitored. This helps the user get past the intense withdrawal symptoms and develop coping skills that can be used once they re-enter society.

Without these skills, the patient may be at risk of relapse. Outpatient programs offer similar treatment options without the patient staying at the facility. They receive counseling, medication, group therapy, and coping skills while still being able to meet their other obligations like work and family.

Choosing a treatment program is ultimately up to the individual and their family. When the individual realizes they need help and wants to quit, the odds of long-term recovery are significantly higher.

Should I Choose a Residential Rehab Center?

A residential program is an intense program that requires complete abstinence in the face of significant withdrawal symptoms. 24-hour care is often needed when an individual is trying to recover from a strong addiction like cocaine.

However, personal circumstances must be taken into consideration when it comes to determining which treatment program is best for the addict. This could include family and work needs, and the commitment of the individual.

Will Blue Cross Blue Shield Pay For Local Rehab and Out-of-State Treatment?

In many cases, Blue Cross Blue Shield coverage will be determined by whether the treatment program is considered an in-network or out-of-network for the patient’s specific policy. This is, of course, a significant factor, but the needs of the individual must be the primary consideration for each decision.

In-network options will provide the highest level of insurance coverage leaving the family with the lowest out-of-pocket expenses. Out-of-network providers are generally covered at a lower level than those that are in-network. Insurance does not cover the cost of transportation to and from the selected treatment center.

Does Blue Cross Blue Shield Pay For Private or Luxury Treatment?

Some Blue Cross Blue Shield plans might offer coverage for private and luxury treatment, but coverage of high-end amenities will vary depending on the specific policy. Insurance coverage can include either whole or partial payments for private rooms and luxury services. Any costs above the covered amount must be paid by the policyholder or their family.

Private rooms and luxury options can encourage the addict to remain in the program for the full amount of time needed for a long term recovery. These features can include a private rather than a shared room, spa treatments and gourmet meals.

What Does Executive Treatment Offer Over Other Rehabs?

Executive programs are created for addicts that must continue to work or operate a business while they are in a treatment program. These facilities offer facilities that enable the patient to complete work assignments while still completing the elements of the treatment program. Business owners, executives and other patients with obligations that cannot be put on hold benefit from executive treatment programs.

What Treatment Lengths Will Blue Cross Blue Shield Pay For?

Cocaine treatment programs can range from 30 to 90 days for inpatient programs. For more severe cases, longer stays may be required. Your insurance plan might specify a payment maximum that includes a per-day maximum as well as a per-occurrence. Some policies also have a lifetime maximum.

Payment for a specific treatment program will be covered based on these policy limits. The type of treatment program and whether it is in-network will also be used to determine the total amount of coverage that is offered.

What If I Have No Insurance?

rehab-payment-insuranceMost communities offer 12 step programs that are free for everyone. These can help either before or after a treatment program has been completed. For some, this support is enough to break the addiction.

For others, more intense treatment is required. Finding a treatment program that charges on a sliding scale based on the individual’s income, is one way to keep costs down. Another is to look for a treatment program that offers financial assistance or scholarships.

Most programs offer payment plans and accept credit cards. Speaking with the director of the program or the financial department of the treatment facility is a good way to explore the options.

Verify Your Benefits at an American Addiction Centers Facility

The cost of alcohol or drug addiction treatment may appear to be an obstacle, but we are here to help. Insurance may cover all or some of your rehab.

Find out if your insurance covers long-term addiction rehabilitation.

Check Online Now

Determine Blue Cross Blue Shield Rehab Options

Cocaine addiction impacts both the user and those who love and care about the addict. If you or someone you know is suffering from cocaine addiction, get help today by learning about what options are available and where treatment therapy can be obtained.

Questions and Answers

    • Will Blue Cross Blue Shield Cover Rehab Stays?

Many Blue Cross Blue Shield policies cover rehab stays either in part or full, but users should check their individual plans.

    • Does Insurance Pay for Aftercare?

Aftercare is essential to long term recovery. This can include getting community support through a 12 step program as well as continuing to work with professionals. Policies will often cover continued counseling and medical treatment including prescription drug coverage.

    • Could Rehab Make My Insurance Premiums Higher?

Insurance costs are determined by many factors. The overall cost of healthcare and the risk for specific groups help to determine rates and rate increases. Generally getting care and treatment will not impact the overall rate for a policy.

    • Has The Affordable Care Act (Obamacare) Affected Cocaine Addiction and Mental Health Coverage?

The Affordable Care Act has increased the requirements for covering treatment for addiction and mental illnesses, requiring similar levels as other medical care. This has resulted in increased coverage for many who suffer from addictions.

(Please note: 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. is an informational site only and is not affiliated or sponsored by Blue Cross Blue Shield.)

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