The Inpatient treatment using Blue Cross Blue Shield starts off with a Standard Option at a $35 per day copay (unlimited amount of days). The Basic Option requires a $175 per day copay (unlimited amount of days), with a total of up to $875 per admission (unlimited days). The plans do vary, and these figures are only an estimation.
Full Answer
Does Blue Cross Blue Shield cover drug rehab?
Jan 17, 2022 · 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? A co-pay is a set amount a customer pays for a covered service before and after they’ve met their deductible.
Does BCBS insurance cover addiction treatment?
Apr 04, 2022 · This act was created to expand mental health and substance abuse coverage for people across the country. As a result, many BCBS companies may provide you with affordable coverage, and that is reflected in the pricing. For example, an unlimited stay at an approved inpatient treatment center may cost $250 out of pocket.
What is the Blue Cross Blue Shield service benefit plan (BCBS)?
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.
How do you pay for drug rehab?
Nov 10, 2021 · Contact BCBS by calling the number on the back of your insurance card or by visiting the BCBS website. You can also contact the drug rehab center directly. American Addiction Centers (AAC) will verify your BCBS insurance plan drug rehab coverage. You can visit their website or call. (877) 640-1943.
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.
What is the difference between a bronze and silver plan?
Bronze plans cover near 60% of clinical expenses and have low regularly scheduled installments and high deductibles. Silver plans cover near 70% of clinical expenses, with a relatively higher regularly scheduled installment and lower deductible.
What is medical necessity?
The issue of “medical necessity” is something to keep in mind when trying to understand what Blue Cross Blue Shield insurance covers and what it does not. If a drug or alcohol rehab program is determined to be necessary, physicians and therapists may have to prove it is truly medically necessary to the insurance company.
Does Blue Cross Blue Shield cover alcohol addiction?
With Anthem Blue Cross Blue Shield, we have access to therapists, psychiatrists, medical professionals, psychiatrists, and mental health professionals trained in the treatment of substance abuse. Despite the fact that they may not be specialists, they offer treatment for drug and alcohol addictions and are a part of the network; therefore, consumers under this coverage may have an easier time getting a greater percentage of the cost of treatment covered by insurance when they utilize these specific providers. Consumers are encouraged to call the confidential helpline for more information on the specific coverage provided by network providers versus other providers.
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 treatment covered by insurance?
Even when health insurance policies are adequate, inpatient addiction treatment is not covered in totality. In addition to the remainder of the bill, patients’ families are responsible for the rest. Even though it may seem daunting, especially when in the midst of an active addiction crisis, it’s definitely possible.
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 phone number for BCBS?
American Addiction Centers (AAC) will verify your BCBS insurance plan drug rehab coverage. You can visit their website or call 877-640-1943 and speak with an Admissions Navigator.
How many hours of counseling is required for a syringe?
This type of program usually takes place in a hospital setting and requires approximately 20 hours of treatment per week. It involves both individual and group counseling, and may also provide medication-assisted treatment to address withdrawal symptoms.
Does BCBS cover drug rehab?
Depending on your specific plan, BCBS may cover a portion or the entire cost of drug rehab. The levels of rehab care include: 6. Inpatient/residential rehab —You or a loved one live at the facility throughout the duration of treatment, which is typically anywhere from a few weeks to several months in length.
What is an IOP treatment?
Intensive outpatient program (IOP) —An IOP is a type of outpatient treatment program that is more structured than a standard outpatient program, but less intensive than an inpatient facility.
What is partial hospitalization?
Partial hospitalization programs (PHP) —PHP services are another type of outpatient treatment for people who require more supervision than a traditional outpatient program offers, but not as much supervision as an inpatient program.
Does Blue Cross Blue Shield cover rehab?
Drug rehab coverage provided by a Blue Cross Blue Shield (BCBS) plan depends on many factors. Such factors include the state you live in , the type of BCBS insurance plan you have, and your specific substance abuse treatment needs. If detox services are needed for substances such as opiates, alcohol, or benzodiazepines, ...
What is the most effective treatment for substance use disorder?
Of course, this can become quite costly, but residential rehab is the most effective type of treatment program for individuals with moderate to severe substance use disorders with or without a co-existing mental health condition.
What is the difference between the Bronze and Silver plan?
The Silver plan covers approximately 70% of your medical costs. The monthly premiums are a little higher than the Bronze tier with a lower deductible.
How to contact White Sands?
If you or a loved one needs help with abuse and/or treatment, please call the WhiteSands Treatment at (877) 855-3470. Our addiction specialists can assess your recovery needs and help you get the addiction treatment that provides the best chance for your long-term recovery.
What is the difference between Platinum and Gold?
The Gold tier will pay around 80% of your medical bills, with higher monthly premiums and a low deductible. The Platinum level covers close to 90% of your medical costs , but this tier has the highest monthly payments and the lowest deductibles.
Is outpatient rehab good for addiction?
Outpatient rehab is a good option for you if you aren’t suffering from any adverse medical conditions associated with your substance abuse issues, want to remain living at home, and must tend to the home, work, or school responsibilities while being treated for addiction.
Does Blue Cross Blue Shield cover drug rehab?
Blue Cross Blue Shield does provide coverage for alcohol and drug rehab. The coverage, however, varies depending upon which plan you have and in which state you live. If you or a loved one are struggling with addiction, call WhiteSands Alcohol and Drug Rehab today at 877.969.1993 to learn how we can help. This insurance group is part of ...
What does BCBS stand for?
BCBS stands for Blue Cross Blue Shield and is among the biggest of the healthcare insurance providers across the United States. They provide coverage to over 100 million people every year. Blue Cross Blue Shield offers drug rehab program insurance also. These substance abuse treatment policies vary according to the coverage amount and by the plan.
Does Blue Cross cover outpatient rehab?
The services for outpatient addiction treatment that are covered by the Blue Cross Shield plans are at similar rates to the inpatient rehabilitation programs. Yet the services made available for the different outpatient treatments usually vary greatly. This typically depends on whether you seek treatment from a hospital, a rehab center, or through your doctor’s office.
The Benefits of Inpatient Drug Rehab
Most insurance plans will at least cover detox procedures, but hardcore drug addicts will typically need to attend intensive inpatient programs to stay clean. Although detoxification weans people of their physical drug dependencies, there is no permanent cure for addiction.
Diversity in Blue Cross Blue Shield Insurance
To learn more about your potential coverage, you’ll need to understand the specifics of your Blue Cross / Blue Shield carrier. Although BCBS is known throughout the country, there are actually thirty-nine different companies which operate under the brand name.
The Advantages of PPO Insurance
If you already have Preferred Provider Insurance, then you may be able to choose from a wide variety of rehab clinics and addiction specialists. PPO contracts are among the most expensive, but they offer the largest provider networks and are the most flexible when it comes to getting out-of-network care.
Questions to Ask Your Agent
Coverage for rehab varies between different companies and locales, but even BCBS PPO customers in the same state can have completely different contracts. Here are a few specific questions you’ll want to ask your insurance agent:
Verify Your Benefits Today
Getting Blue Cross / Blue Shield PPO insurance for rehab can seem impossibly complicated, but there are plenty of resources to help. Fill out the insurance verification form to below to find out if you quality for coverage. Don’t let the complications of the healthcare system get in the way of the treatments you need.