Blue Cross Blue Shield (BCBS) provides insurance to over 100 million people in the United States with 36 entities operating under their name. With so many separate plans and territories, you may wonder if Blue Cross Blue Shield covers drug and alcohol detox and rehab for your substance abuse treatment.
We work closely with Blue Cross Blue Shield as we have for over two decades, accepting policies from every state in the process. Our positive relationship with Blue Cross and our experience treating their members gives us the chance to maximize coverage and minimize out-of-pocket costs. If you have a Blue Cross Blue Shield policy, get a free consultation and verification of benefits for your behavioral health and substance abuse care.
Who Does BCBS Insure for Substance Use Disorders?
Blue Cross Blue Shield offers many plans through dozens of entities, covering individual and their families. BCBS offers plans to employees, individual plans bought on the exchange, Medicaid, Medicare, and some indemnity plans. If you or a family member is on a BCBS plan, you likely have many options because of the diversity of their health care benefits.
By working with BCBS coverage for drug abuse, we make addiction treatment available to millions. Each plan offers different substance abuse treatment benefits to its members with different coverage options for drug and alcohol detox and rehab as well as outpatient and inpatient treatment. To verify your benefits, call or text us to confirm your BCBS plan coverage for drug abuse, mental illness, and addiction treatment.
Can I Receive Addiction Treatment through BCBS?
Because their policies vary from state to state, plan to plan, and company to company, their addiction treatment coverage and guidelines can be diverse. But, like all insurance companies in the United States, they are required to cover medical necessities like substance abuse because federal law requires addiction to be treated as a medical health issue.
Some BCBS plans cover all expenses for alcohol and drug rehab as well as medical detox, inpatient treatment, and outpatient services. Others have limits and exclusions to substance use disorder coverage with out-of-pocket expenses and deductibles. For this reason, we reach out to BCBS for you to clarify your benefits for substance use treatment. Our approach is transparent about your financial responsibility with us after insurance, and we aim to make treatment affordable.
By verifying benefits through us, you can determine how much BCBS covers while you (or your family member) are in rehab, detox, or residential addiction treatment. Knowing BCBS coverage for rehab and treatment, you’ll find you can focus on recovery rather than copays or deductibles.
Will My BCBS Plan Cover Drug and Alcohol Treatment?
Because we have worked with BCBS for over two decades, we know the best way to maximize BCBS coverage for drug rehab at our treatment facilities. Usually, coverage for types of treatment depends on the medical necessity of our care and your unique medical needs. Our staff can determine medical necessity, and we work with BCBS to limit expenses to you while ensuring coverage for our drug treatment programs. If all costs can’t be covered, BCBS will leave a percentage for you to pay out-of-pocket on their tiered plans:
- Bronze plan covers 60% of medical expenses with a higher deductible.
- Silver plan covers 70% of medical expenses with a lower deductible.
- Gold plan covers 80% of medical expenses with a low deductible.
- Platinum plan covers 90% of medical expenses with the lowest deductible.
If you are concerned about your BCBS plan’s medically necessary addiction treatment coverage, have our insurance team verify your benefits and check coverage. We can examine your plan, contact BCBS for you, and ensure that you know all the benefits you can receive for addiction- and mental health-related conditions.
What Will BCBS Plans Cover for Addiction Treatment?
BCBS drug rehab coverage can cover all of the costs associated with our addiction treatment services under some plans with limited deductibles and copays. Even if your plan limits who you can choose as a provider, you can select The Recovery Team as an out-of-network provider for drug and alcohol rehab with some direct, out-of-pocket expenses. At some addiction centers, your BCBS plan could cover all or part of these medical rehab services:
- 24/7 medical detox
- Substance use therapies
- Individual or group counseling sessions
- Outpatient addiction treatment services
- Inpatient rehab or residential treatment
- Diagnostics and evaluations
- Aftercare planning
Programs for BCBS Health Insurance
Blue Cross Blue Shield insures millions of people on unique plans through dozens of subsidiaries. By working with BCBS on your behalf, we can verify your treatment options, show medical necessity, and give you specific insurance coverage information to help you choose to get the help your need.
Call our treatment center’s compassionate counselors today if you have BCBS insurance and seek rehab for addiction, substance abuse, and mental health services. We are here to help you through every step, from verifying insurance plan benefits to providing the highest quality of affordable care.
Call 24/7 at (800) 817-1247.
Let’s get you or a loved one help with a few simple steps.