Does Blue Cross Blue Shield cover drug and alcohol rehab?
Jan 17, 2022 · A deductible is the amount the customer must pay for covered services before the insurance provider begins to pay any expenses. For example, if your treatment costs $7,000 and you have a $500 deductible, you’ll pay the first $500, and Blue Cross Blue Shield will cover the remaining $6,500 owed to the treatment facility. What is a co-pay?
Does Blue Cross Blue Shield cover federal employees?
Apr 01, 2022 · The Blue Cross Blue Shield Federal Employee Program should be able to cover some, if not all, of the costs of rehab and other addiction treatments. 4 Exactly what is covered may depend on the specific FEP plan you have. Under the Affordable Care Act (ACA), SUD treatments are considered an “essential health benefit.”
What is the Blue Cross Blue Shield service benefit plan (BCBS)?
Jun 30, 2016 · Making inpatient and outpatient rehab treatment more accessible to those who need it will help individuals and families and the American economy. The most recent National Institute on Drug Abuse figures state that approximately $700 billion per year is spent on addiction-related costs.
Who is eligible for Blue Cross Blue Shield incentive rewards?
Mar 29, 2021 · Some 30-day inpatient rehab programs cost about $6,000 per person. The average cost of a 30-day program at a reputable center is more than $20,000. Those who require 60- or 90-day programs can expect overall costs ranging from $12k to $60k.
Which Rehab Services Does Blue Cross Blue Shield Cover?
Blue Cross Blue Shield offers coverage for a variety of rehabilitation services. The company categorizes plans as bronze, silver, gold, and platinum. They vary in premium cost and coverage.
How to Check Your Coverage
There are 2 ways to check your Blue Cross Blue Shield rehab coverage for drug and alcohol addiction:
Paying for Uncovered Rehab Costs
Sometimes substance abuse insurance coverage isn’t enough for the entire cost of drug and alcohol rehab. If you’re struggling to pay out-of-pocket costs for rehab, don’t give up. There are resources and support available to help you.
What is the Federal Employee Program?
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. Office of Personnel Management to determine the best benefits and premiums for members covered by the Federal Employee Program.
Is it hard to get into rehab for drug addiction?
Making the decision to enter rehab for drug or alcohol addiction is a life-changing experience. However, for many, certain roadblocks make it more difficult to seek help for these problems. The cost of rehab is a major deterrent for many individuals who are looking to recover from substance abuse. Inpatient and outpatient rehab is often expensive, and other financial factors make it difficult for many people to afford it.
How much does a rehab program cost?
The average cost of a 30-day program at a reputable center is more than $20,000. Those who require 60- or 90-day programs can expect overall costs ranging from $12k to $60k.
How many organizations are covered by Blue Cross?
The Blue Cross Shield union comprises 36 medical coverage organizations that are autonomously claimed and worked. BCBS gives inclusion to the more significant part of all government representatives who are taking a crack at an organization. They are covered under the Federal Employee Program.
How many policies does Blue Shield cover?
As an example, consider Blue Shield of California. Insurers cover substance abuse treatment with at least 14 policies. The amount paid for each type of treatment varies depending upon the plan, as well as the duration of the treatment.
What is a mental health union?
The Mental health union necessitates that health care coverage organizations and gathering wellbeing intend to give equivalent inclusion to psychological wellbeing administrations, for example, substance misuse therapy, as they do clinical coverage.
What is the difference between gold and platinum insurance?
Gold plans cover near 80% of clinical expenses and have higher regularly scheduled installments and low deductibles. Platinum plans (which aren’t offered on the whole state) cover near 90% of clinical expenses and have the most elevated regularly scheduled installment with the least deductible.
Is inpatient rehab necessary?
Although physical dependence and withdrawal symptoms may indicate that inpatient care is medically necessary, they are not always enough to prove such a necessity. If treatment takes place outpatient, there is a higher chance of relapse, but this does not guarantee approval for inpatient rehab.
Do you need to get pre-confirmation for Blue Cross Blue Shield?
They might be needed to acquire pre-confirmation before looking for private treatment. Once more, the sum you should pay for Blue Cross Blue Shield medication and liquor compulsion recovery treatment can fluctuate unfathomably, so it’s essential to check the subtleties of your one arrangement.
How much does Medicare reimburse for a B plan?
Each member of a Basic Option plan who has Medicare Part A and Part B can get reimbursed up to $800 per year for paying their Medicare Part B premiums.
How much do you pay for Medicare Part B?
1 Under Basic Option you pay 30% of our allowance for agents, drugs and/or supplies you receive during your care. 2 If you have Medicare Part B primary, your costs for prescription drugs may be lower. 3 You must be the contract holder or spouse, 18 or older, on a Standard or Basic Option Plan to earn incentive rewards.
What is Blue Cross Blue Shield?
Blue Cross Blue Shield is comprised of 36 locally operated and independently owned companies that create plans specific to your state, local community, and individual healthcare needs. 1 Plans vary according to state. The most common plans are Gold, Silver, and Bronze. Gold plans have the highest monthly costs and Bronze plans have the lowest. Factors that affect the rating include out-of-pocket costs (Bronze-40%, Silver-30%, and Gold-20%), whether it’s a preferred provider organization or health maintenance organization, and what types of services are covered under the plan. Some states have a Platinum plan, which has the highest monthly cost with the lowest out-of-pocket costs for services (90%).
How much is FEP Blue Focus?
Coverage for an individual is roughly $76 bi-weekly. The FEP Blue Focus Plan is the least expensive option; you can expect to pay around $53 for individual coverage on a bi-weekly basis. 7 However, services and providers must be in-network.
What is the pre certification for inpatient hospital?
Pre-certification is required for inpatient hospital services. Visit the standard FEP plan to learn more. With the basic plan, you must use in-network providers for services to be covered. 6 Pre-certification is also required for inpatient mental health and substance abuse services, and you can expect to pay a co-pay.
Does Blue Cross Blue Shield cover Puerto Rico?
Blue Cross Blue Shield covers more than 107 million people across the country, including Puerto Rico, and can tailor a plan to your specific needs. 1.
Is behavioral health covered by Medicare?
If you are on Medicaid or Medicare, your behavioral health and addiction services may be covered as well. Medicare is a federally funded health insurance plan for people 65 and older or for younger people who have specific terminal illnesses. 2 Medicare is comprised of 2 parts: part A and B. Private insurance companies, like Blue Cross Blue Shield, offer supplemental Medicare plans to help reduce the cost of healthcare for people who qualify for Medicare. 2
What is the Blue Cross Blue Shield?
The Blue Cross Blue Shield (BCBS) Service Benefit Plan , also known as the Federal Employee Program (FEP), provides coverage for more than 5.5 million federal employees, retirees, and their families. 2. BCBS has individual and family plans that include the bronze, silver, gold, and platinum plans (categories are dependent on your state).
What is the lowest cost BCBS?
BCBS has individual and family plans that include the bronze, silver, gold, and platinum plans (categories are dependent on your state). Bronze plans have the lowest cost, and the price of plans goes up from there. 3. Bronze plans cover close to 60% of medical costs and have low monthly payments and high deductibles.
How long does an inpatient stay in the hospital?
Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs. Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
How many hours do you spend at home for BCBS?
You live at home and spend 10–12 hours a week at the treatment facility for therapy and support. Your total out-of-pocket costs for treatment depend on the specific BCBS plan you have. Monthly premiums, copays, deductibles, and other potential costs all vary depending on the plan.
Is AAC covered by insurance?
Specifics regarding your coverage are based on your policy. As with most medical issues, only a portion of detox or substance abuse treatment are covered by insurance. AAC is in-network with many private insurance companies. We’ll help you verify your insurance coverage for treatment.
Does Blue Cross Blue Shield cover mental health?
Almost all of Blue Cross Blue Shield plans include coverage for mental health conditions, but the amount of coverage for treatment depends on your policy. The Mental Health Parity and Addiction Equity Act requires that health insurance companies and group health plans to provide equal coverage for mental health services, ...
Does BCBS cover rehab?
BCBS may cover some, if not all, of your rehab costs, depending on the policy you have. In some cases, your policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities and treatment centers.