Under FEP BCBS’s plan, both inpatient and outpatient services are covered. There are a few differences between the two treatments. They include: Inpatient: Typically lasts between 30-90 days, depending on how long is required for detox.
Does BCBS insurance cover drug rehab?
Jul 27, 2020 · Inpatient treatment with Blue Cross Blue Shield begins with the Standard Option at a copay of $35 per day for an unlimited amount of days. The Basic Option carries a copay of $175 per day for an unlimited amount of days, totaling up to $875 per admission for unlimited days.
How much does Blue Cross Blue Shield charge for inpatient treatment?
About Blue Cross Blue Shield. After asking the question “does BCBS cover drug rehab?”, it might be prudent to know a bit about the company. BCBS has been providing healthcare insurance to Americans for more than 80 years. The company operates in all 50 states as well as on an international level.
Is rehabcenter affiliated with BlueCross BlueShield?
Detox is the process of ridding the body of its physical dependence on substances such as drugs or alcohol. Most insurance covers the detox phase of rehab since it’s often considered the most important step. Depending on the drug of choice or how often it’s used, detox can last anywhere from a few days to a few weeks.
Does BCBS cover methadone treatment?
Mar 21, 2018 · Most private insurance plans cover anywhere from 50-90 percent of a 30-day inpatient drug rehab stay. Drug and alcohol addiction is now considered a medical illness, which means it requires adequate treatment. This also means addiction treatment must be regarded the same as any other medical illness or injury.
Can Blue Cross Blue Shield help you pay for drug rehab?
The answer is a definitive yes. Due in large part to provisions in the Affordable Care Act (ACA) that was passed in 2009, all insurance companies are now required to provide some form of coverage for addiction treatment services. Depending on the insurance plan you choose, the coverage may vary as far as co-pay requirements are concerned.
About Blue Cross Blue Shield
After asking the question “does BCBS cover drug rehab?”, it might be prudent to know a bit about the company. BCBS has been providing healthcare insurance to Americans for more than 80 years. The company operates in all 50 states as well as on an international level.
How Does BCBS Cover Drug Rehab?
So, how does BCBS cover drug rehab coverage work? When you choose a reputable drug rehab facility like Beaches Recovery, your coverage will be verified based on the prescribed treatment plan. Once you start receiving treatment, the insurance company will make payments directly to the provider on your behalf.
Why Does BCBS Cover Drug Rehab?
So why does BCBS cover drug rehab? Aside from ACA requirements, Blue Cross Blue Shield officials understand the importance of you receiving addiction treatment. With long-term drug and alcohol use, many serious health issues can come to the forefront.
Does FEP BCBS Cover Drug Rehab?
As one of the largest providers with dozens of policies across the country, Blue Cross Blue Sheild offers drug or alcohol rehab coverage. The Federal Employee Program (FEP) covers inpatient treatment, including detox and group and private outpatient therapy.
The History of FEP BCBS
The Federal Employee Program has been a part of the Federal Employees Health Benefits Program (FEHBP) since 1960. Also known as the Blue Cross Blue Shield Service Benefit Plan, this policy covers about 5.3 million federal employees, their families, and retirees. With headquarters in Chicago, Illinois, FEP works with the U.S.
What is Detox?
Detox is the process of ridding the body of its physical dependence on substances such as drugs or alcohol. Most insurance covers the detox phase of rehab since it’s often considered the most important step. Depending on the drug of choice or how often it’s used, detox can last anywhere from a few days to a few weeks.
What are the Differences Between Inpatient and Outpatient Treatment?
Choosing a treatment plan that works best for you is vital to ensuring the success of the treatment. Under FEP BCBS’s plan, both inpatient and outpatient services are covered. There are a few differences between the two treatments. They include:
Why is FEP BCBS Rehab Coverage so Vital?
In 2008, the Affordable Care Act passed, requiring all insurance companies to provide drug or alcohol treatment coverage. As a treatable disease, we now know that addiction changes brain function and essentially rewires the reward and pleasure center of the brain.
How is FEP BCBS Rehab Coverage Different?
Members enrolled in FEP BCBS plans enjoy many benefits and advantages. The comprehensive FEP BCBS website includes many resources that come in handy for policyholders. Some of the most popular online resources include:
Will FEP BCBS Pay for Rehab Treatment from an Out-of-Network Provider?
Unlike many insurance policies that only allow members to use in-network providers, FEP BCBS allows members to choose their own rehab facility. For a higher out-of-pocket fee, clients can work with any rehab they choose, including luxury treatment centers with amenities that are on par with a 4 or 5-star hotel.
What percentage of drug rehab is covered by insurance?
Which rehab centers will accept your plan. What your out-of-pocket expenses will be. Most private insurance plans cover anywhere from 50-90 percent of a 30-day inpatient drug rehab stay. Drug and alcohol addiction is now considered a medical illness, which means it requires adequate treatment.
What is 90 day inpatient treatment?
Inpatient programs typically offer a more diverse array of treatments, provided in a more individualized way. This person-centric care allows for more comprehensive treatment and better outcomes.
How long does methadone last?
Methadone treatment should last, at minimum, 12 months. Certain individuals may require this treatment for several years. Because of this longer duration of care, it’s important to know if BCBS covers methadone. Like Suboxone, methadone coverage will be dependent on the specific company providing the BCBS services.
How many people have Blue Cross Blue Shield?
This coverage extends across all 50 states and provides health insurance to over 106 million people. Blue Cross Blue Shield is passionate about providing dynamic options for health care insurance. This statement from their website makes their mission ...
What states have the anthem for Blue Cross and Blue Shield?
Wisconsin: Anthem Blue Cross and Blue Shield Wisconsin. Wyoming: Blue Cross Blue Shield of Wyoming. The law requires that insurance benefits for the treatment of mental health and substance use disorders be equal to those made available for medical and surgical procedures.
Where is Blue Cross Blue Shield located?
Blue Cross Blue Shield insurance is provided by 36 independent and locally-operated companies located across the United States, the District of Columbia, and Puerto Rico. BCBS also offers insurance through their BCBS Federal Employee Program.
Can you go to rehab without insurance?
Without good insurance coverage, it can be very difficult for individuals to go to the treatment center of their choice. Even with a a Blue Cross Blue Shield Plan there are a lot of details that have to be factored in before checking into a rehab center.
What is Blue Cross Blue Shield inpatient treatment?
Inpatient Treatment. Inpatient programs are the most intensive form of addiction treatment. Blue Cross Blue Shield will often provide coverage for inpatient treatment if a medical assessment deems it necessary. Coverage offered for inpatient programs will vary from plan to plan.
What is the number for addiction treatment?
Get treatment when. and how you need it. Call to learn more today! (844) 951-1939. According to the Affordable Care Act, insurance companies are required to provide some form of coverage for essential healthcare services. This includes alcohol and drug addiction treatment programs and services.
What is inpatient rehab?
Inpatient programs consist of a number of different types of treatment. These may include medication-assisted treatment (MAT ), a variety of therapies, detoxification, and individual and group counseling. Not every inpatient rehab center accepts Blue Cross Blue Shield.
What is outpatient treatment?
Outpatient treatment programs are typically the first form of treatment suggested for individuals struggling with drug and alcohol addiction. Outpatient programs are less intensive than other treatment options such as inpatient treatment. There are a few different types of outpatient treatment for addiction.
How many days a week does IOP take?
IOP requires individuals to participate in the program two to three days a week. Standard outpatient treatment is the least intensive outpatient program and consists of therapy once or twice a week. Most Blue Cross Blue Shield plans cover these various forms of outpatient treatment.
What are the tiers of Blue Cross Blue Shield?
While the available tiers will vary from state to state, common tiers include bronze, silver, gold, and platinum. The copays and deductibles required with each plan will depend on the tier.
Does Blue Cross Blue Shield cover alcohol rehab?
Using your Blue Cross Blue Shield insurance to help pay for a drug or alcohol rehab program can ease the financial stress of treatment. Understanding your plan is important before entering a treatment program and can prevent unwanted costs.
How to find a rehab center that accepts Blue Cross Blue Shield?
The quickest way to find a rehab center that accepts Blue Cross Blue Shield is by going to their website and searching for providers in your area. The recent explosion of opioid overdoses has led to the emergence of more and more treatment centers; however, it’s important to find a facility that works for your care needs and lifestyle. ...
How many states does Blue Cross Blue Shield serve?
Blue Cross Blue Shield is one of the largest insurance providers in the nation, with thirty-six independent companies and licensees serving all fifty states. Depending on the state in which the prospective patient lives, Blue Cross Blue Shield offers three or four tiers of plans—Bronze, ...
Does Blue Cross Blue Shield cover detox?
It may be easy to find treatment that accepts Blue Cross Blue Shield; however, specifics will vary according to each individual plan. If it is determined that patients need medically supervised detoxification or withdrawal management, most plans will cover that part of the treatment process; however, it may be more difficult or costly to obtain residential care under lower-tier insurance plans. Many insurance providers often require patients to seek outpatient treatment as a first means of treatment. The plan type will determine the scope of treatment. Patients who have HMO (Health Maintenance Organization) plans will face more restrictions while those with PPO (Preferred Provider Organization) plans will have a wider variety of selection. Generally speaking, individuals under the Blue Cross Blue Shield umbrella should be able to easily access some level of treatment; but they may only have part of their treatment covered, depending upon the scope and depth of their employer-based health insurance plan.
What is Blue Cross Blue Shield?
Blue Cross / Blue Shield is one of the many organizations which participate in the Federal Employee Health Benefits system – a program which allows for managed competition among insurance companies that provide care to government workers. In most cases, federal employees who receive this type of insurance pay a small fraction of the cost of insurance and have access to a variety of healthcare providers of their choice.
Who is the editorial staff of Recovery First?
The editorial staff of Recovery First is comprised of addiction content experts from American Addiction Centers. Our editors and medical reviewers have over a decade of cumulative experience in medical content editing and have reviewed thousands of... Read More
Does insurance raise premiums for drug rehab?
There is little history of addiction being treated as a pre-existing condition. However, some insurance companies may raise premiums for customers who attend drug rehab. Despite the positive effects of clinical rehabilitation, they could see the recovery process as an indication of higher future costs. Addicts who are worried about rate increases will need to check the applicable state and federal regulations, as well as the policies outlined in their individual contracts.
Can I get insurance for detox?
In some unfortunate cases, people will be denied insurance for rehab. They may get full coverage for detox – but only minimal funds for crucial long-term therapies. Former rehab patients who look for new insurance contracts may also be denied altogether. Fortunately, there are federal programs which provide insurance specifically to people who are too “high-risk” to get insurance through private companies. There are also free and low-cost public clinics which admit people willing to wait.
Does BCBS cover detox?
People hooked on heroin and other opiates may also receive special “rapid detox” medications which speed the process. Since most BCBS carriers cover detox, the costs of these drugs will probably likewise be covered.
Does insurance cover detox?
At the very least, this means that most insurance companies will at least cover clinical detox procedures.
Does Blue Cross Blue Shield cover drug rehab?
Getting coverage for drug treatment is one of the biggest hurdles in addicts’ recoveries, but Blue Cross / Blue Shield federal insurance for rehab can help . As one of the largest groups of insurance carriers in the country, Blue Cross / Blue Shield provides crucial funding that allows thousands of people to attend the therapies they need. However, dealing with insurance claims can be extremely confusing and frustrating. Here are some answers to five of the most common questions among addicts with BCBS contracts. Recovery First is one of the few “In-Network” providers with Blue Cross / Blue Shield.
What is a retail health clinic?
Retail health clinics are another alternative when you can’t get an appointment with your own doctor for non-emergency care. Retail health clinics use certified nurse practitioners who treat minor, uncomplicated illness or injury. Some retail health clinics may also offer flu shots and vaccinations.
How long does it take to get prenotification of maternity care?
Prenotification of maternity care should occur within one (1) month of the first prenatal visit to the Physician or midwife. Benefits are payable for: (1) facility services provided by a Hospital or Birth Center; and (2) professional services performed by a Professional Provider or certified nurse midwife. 52.
What is the Blue Card number?
If the Covered Person needs medical assistance services (including locating a doctor or hospital) outside the BlueCard service area, the Covered Person should call the BlueCard Worldwide Service Center at 1.800.810 .BLUE (2583) or call collect at 1.804.673.1177, 24 hours a day, seven days a week.
Where is the 97 D Blue Card?
97. D. BlueCard Worldwide® Program If the Covered Person is outside the United States, the Commonwealth of Puerto Rico , and the U.S. Virgin Islands (hereinafter “BlueCard service area”), the Covered Person may be able to take advantage of the BlueCard Worldwide® Program when accessing Covered Services.
Can a covered person be homebound?
With the exception of Home Health Care provided to a Covered Person immediately following an Inpatient release for maternity care, the Covered Person must be Homebound in order to be eligible to receive Home Health Care benefits. For purposes of this Home Health care benefit, the following definitions apply: .
Does BlueCard Worldwide Service Center process claims?
In such cases, the hospital will submit the Covered Person's claims to the BlueCard Worldwide Service Center to begin claims processing. However, if the Covered Person paid in full at the time of service, the Covered Person must submit a claim to receive reimbursement for Covered Services.