Blue Cross Blue Shield Opioid Addiction Rehab Insurance Coverage
Does Blue Cross Blue Shield Insurance Cover Treatment for Opioids?
Opioids, also known as opiates, are a class of drugs that includes morphine, codeine, Percodan, oxycodone, and heroin. These drugs are highly addictive and can cause severe damage to the user’s physical and mental health. Some Blue Cross Blue Shield insurance plans do provide coverage for opioid addiction treatment. To learn how much of the cost of rehab is covered, you need to check with your specific plan.
Rehabs.com, an American Addiction Centers resource, has a relationship with Blue Cross Blue Shield and may be able to help you get into one of our treatment programs. Call us at +1 (888) 341-7785 or head to our payment options page to find out if you have coverage.
What Types of Rehab Does Blue Cross Blue Shield Cover?
Opioid addiction can be treated on an inpatient or outpatient basis, depending on the severity of drug abuse. When determining which one is right for you, consider your specific insurance policy and the types of programs that are covered.
Your policy documents will detail the treatment options that are covered and list a phone number that you can call for more information.
How Much Cost Does Blue Cross Blue Shield Cover?
The cost covered by Blue Cross Blue Shield depends on the treatment you receive and the type of insurance plan you have. Treatment for opioid addiction will typically fall under the mental health portion of your coverage benefits.
Your plan may or may not cover certain amenities such as extended inpatient stays, luxury facilities, or non-traditional therapies such as yoga or acupuncture.
Blue Cross Blue Shield Out of Pocket Coverage
If you feel that you need additional services beyond what your insurance plan will cover, you can absolutely pay the remaining cost out of pocket. You can work with your chosen rehab facility to set up a payment plan, or you can seek financial assistance from a healthcare loan, scholarship, or line of credit.
What Length of Treatment Does Blue Cross Blue Shield Cover?
Treatment for addiction to heroin or other opioids can last for 1 to 3 months, or even longer depending on your needs and resources. Every Blue Cross Blue Shield plan is a little different, so it’s important to consult your policy document or plan administrator before committing to a rehab program.
Your plan may require you to pay for rehab upfront and submit for cost reimbursement after treatment is complete, or it might require a doctor’s referral to the treatment program in order to qualify for coverage. Understanding your insurance coverage is just 1 factor to consider when determining how long to enter rehab for.
Inpatient Addiction Treatment or Outpatient Addiction Treatment?
“Treatment for opioid addiction will typically fall under the mental health portion of your coverage benefits.”
Inpatient addiction therapy involves the patient living at the treatment center and becoming secluded from outside triggers and pressures.
Outpatient therapy, on the other hand, involves the patient visiting counselors and treatment experts while still living at home and possibly even working. Inpatient treatment is typically recommended for opiate addiction cases, but the intensive nature of this 24/7 care also makes it the more expensive option.
Should I Choose a Residential Rehab Center?
Discussing your needs with your healthcare provider, primary care doctor, or a medical treatment professional will help you to gain a full understanding of how severe your addiction is, as well as the challenges you will face overcoming your dependency on opiates/opioids.
A residential rehab center is best for those who experience extreme withdrawal symptoms when they stop using opioids. Though not life-threatening, opioid withdrawal symptoms can be extremely unpleasant and difficult for patients to manage on their own in an outpatient setting.
Does Blue Cross Blue Shield Cover Out-of-State Treatment?
Blue Cross Blue Shield contracts with a network of providers across the country, so selecting a treatment facility in this network will enable you to get greater coverage than selecting an out-of-network provider, regardless of location. This affords you some amount flexibility when choosing your rehab facility.
Some patients prefer going out of state for treatment to completely separate themselves from their familiar drug-use environments. Others choose to stay close to home where they can receive support from friends and family members.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
As with most addiction treatment issues, this comes down to what your policy specifies. It is important to remember that not all insurance plans are the same, so if you know of someone who was not covered for private or luxury treatment, that doesn’t mean you won’t be covered. Since these specialized facilities offer more amenities, you may have to pay more out of pocket even if the provider is in the Blue Cross Blue Shield network.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is designed for people with high-level or high-profile jobs. This type of treatment provides you with extra privacy while undergoing treatment. Moreover, executive treatment was made with the high-pressure life of an executive in mind, meaning this treatment is tailored to help relieve the unique pressures and stressors of executive work. If you are an executive or other high-level worker who is afflicted by opioid addiction, this may be the best option for your treatment.
Does Blue Cross Blue Shield Cover Suboxone Treatment?
Suboxone, a medication that combines buprenorphine and naloxone, is used during treatment to minimize uncomfortable symptoms that may result during opioid withdrawal.1 Suboxone is used during medically assisted detox to reduce the severity of withdrawal symptoms as well as reducing cravings and improving the likelihood that recovery will be maintained.1
Does BCBS cover Suboxone treatment during detox and rehab? With Suboxone recognized as an effective strategy for treating opioid addiction, Blue Cross Blue Shield rehab insurance typically covers the price of medication if it is deemed a necessary part of your treatment.1 Depending on the policy you have, though, you may be responsible for deductibles, co-payments, and additional out-of-pocket costs. Make sure to speak to your health care provider to ensure that your Suboxone will be covered.
Does Blue Cross Blue Shield Cover Methadone Treatment?
Methadone is a medication that is prescribed in medication-assisted treatment to assist people as they work to stop using opioids or heroin. Methadone reduces discomfort from withdrawal symptoms as well as blocking the euphoric effects of opioids–making people less likely to want to use.
Does BCBS cover methadone treatment? Depending on the insurance policy that you have, methadone treatment may be covered, if it is deemed a necessary part of your treatment. Additional costs may also be your responsibility. In order to verify that your policy covers your needed treatment, speak to your insurance provider.
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
Can I Get Rehab Without Insurance?
If you don’t have Blue Cross Blue Shield or other insurance, you can still get help. Many rehab facilities will work with you to set up a payment plan that works for you. Further, there are some non-for-profit facilities that will help you for free. Talk to a doctor or treatment expert to learn how you can get help without insurance.
Common Questions About Blue Cross Blue Shield Rehab Coverage
- Will Blue Cross Blue Shield Cover Multiple Stays?
Should you need a repeat stay due to relapse or other issues, Blue Cross Blue Shield may cover the additional treatment, depending on your specific plan.
- Does Insurance Pay for AfterCare?
Some Blue Cross Blue Shield plans might pay for aftercare therapies that are deemed an essential part of your recovery. Your policy administrator will be able to tell you for sure.
- Could Rehab Make my Insurance Higher?
Enrolling in a rehab program should not cause an immediate increase in your premiums, especially if your insurance is provided through your employer.
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Obamacare has effectively expanded substance abuse and mental health insurance coverage by making such coverage an essential benefit.
(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.)
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- Blue Cross Blue Shield. (n.d.). Blue Cross Blue Shield and Suboxone Coverage.