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. For an out-of-network treatment center, you might pay $350 plus a set fee based on your plan allowance.
Full Answer
Does Blue Cross Blue Shield insurance cover addiction treatment?
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 Blue Cross Blue Shield cover drug rehab in Rhode Island?
Mar 10, 2022 · There are plenty suboxone doctors that take Blue Cross Blue Shield insurance, but coverage levels may vary by location, whether the doctor or clinic is in-network with BCBS, and much more. Without insurance, generic Suboxone tends to range between $60 and $200 in cost.
What is Blue Cross and Blue Shield (BCBS)?
Jul 20, 2021 · If Blue Cross Blue Shield is your insurance provider, your policy likely covers some or all of the costs for different types of alcohol treatment, including: 3. Detox services: When some people stop drinking alcohol, they experience physiological and psychological symptoms of withdrawal. Detox services can help you withdraw from alcohol safely.
Does BCBS insurance cover Suboxone therapy?
Oct 27, 2014 · Check Your BCBS Alcohol Rehab Coverage Online. 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 for alcoholism. Call one of our admissions navigators at. (888) 341-7785 or get a text.
What is the average time spent in rehab?
Many treatment facilities typically offer patients short-term stays between 28 to 30 days. However, certain residential facilities may also offer extended stays for an additional fee, provided the patient is showing positive signs of recovery.Feb 2, 2022
How long does it take to get clean in rehab?
Most addicted individuals need at least three months in treatment to get sober and initiate a plan for continued recovery. Research shows that the best outcomes occur with longer durations of treatment.Nov 4, 2021
Which of the following is a barrier to a patient's understanding of the need to seek treatment for substance use?
Stigma and confidentiality concerns. Stigma is a barrier to recovery and affects whether individuals with SUD seek treatment and social support services. Fear of legal penalties for drug use may impact whether individuals are willing to openly discuss their SUD and seek treatment.
How many days does it take to detox your body?
Detoxing typically takes three to ten days. However, a more severe addiction can extend detox by several weeks or even months. Therefore, you need to know what to expect during detox before you begin the detox process. Detox involves more than just the initial withdrawal symptoms.
How long does a detox cleanse last?
Detox programs tend to last anywhere from three days to two weeks. Many different factors play into how long each specific detox program lasts. The main factor is which substance(s) was/were being abused. Some substances are able to be removed from the system faster than others.
What stops people from getting help for addiction?
6 Barriers that Get in the Way of Addiction TreatmentThey feel they do not need treatment. ... They are not ready to stop using. ... They do not have health coverage or cannot afford the costs. ... They worry about the negative effect treatment will have on job or school. ... They do not know where to go for help.
What are significant barriers to recovery?
They may include fear of being found out, fear of letting loved ones down, fear of losing a job, fear of getting kicked off a sports team, etc. As a general rule of thumb, fear is never a good motivator. It prevents people from facing the truth.
What is a barrier to recovery?
Barriers to recovery can consist of internal factors, such as character defects and negative emotional states, and external factors such as high-risk situations and events. Whether internal or external, these barriers can trigger relapse.
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 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.
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.
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 detoxing from alcohol?
Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision.
What is the difference between a bronze and a silver plan?
Bronze plans cover close to 60% of medical costs and have low monthly payments and high deductibles. Silver plans cover close to 70% of medical costs, with a somewhat higher monthly payment and lower deductible. Gold plans cover close to 80% of medical costs and have higher monthly payments and low deductibles.
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.
What is BCBS insurance?
BCBS is a large and well known insurance provider that is accepted at many addiction treatment facilities, including American Addiction Centers. Coverage varies from state to state and plan to plan, and it is best to contact BCBS directly with any questions about your coverage.
Which state has BCBS?
For example, employees in the state of Idaho may have a BC of Idaho plan 8, whereas Tennessee residents will have a BCBS of Tennessee plan. 9 These state-specific plans still utilize the nationwide BCBS network of providers, so patients are not limited to receiving care exclusively in their home state.
What is a FEP plan?
Blue Cross Blue Shield offers a Federal Employee Program (FEP) plan for federal workers and retirees in the Federal Employees Health Benefits (FEHB) program. 4 FEP and FEHB plans offer similar benefits as other BCBS plans do with a few exceptions.
How much does Suboxone cost without insurance?
Without insurance, generic Suboxone tends to range between $60 and $200 in cost.
Does medical detox cover alcohol?
Most plans cover treatment for medical detox, if determined to be necessary. This would most likely be the case for those suffering from benzodiazepine addiction, alcohol addiction, and opiate addiction. Detoxing from these substances can be dangerous and should always be monitored by medical professionals.
Is outpatient treatment good for addiction?
However, outpatient treatment programs are also often best fit for those who are not suffering any medical issues due to their drug use or withdrawal, who feel comfortable in their living environment, and who may have responsibilities to tend to (like child care) while receiving addiction treatment.
Is Blue Cross Blue Shield a large insurance?
However, the Blue Cross Blue Shield network is quite large, meaning that those who have this particular insurance will have little trouble finding a center for treatment.
Does Blue Cross Blue Shield Cover Alcohol Treatment?
If Blue Cross Blue Shield is your insurance provider, your policy likely covers some or all of the costs for different types of alcohol treatment, including: 3
Blue Cross Blue Shield Tiers and Coverage Plans
Blue Cross Blue Shield offers 3 or 4 tiers of individual and family plans so you can choose a plan that offers what you need based on your budget and how often you access healthcare. Bronze, silver, gold, and platinum plans give you an idea about your monthly payments and out-of-pocket costs, such as deductibles and co-pays.
Where Is Blue Cross Blue Shield Accepted?
Thanks to Blue Cross Blue Shield’s widespread presence across the country, members can get coverage for alcohol rehab in all 50 states. A large number of doctors and healthcare facilities (including alcohol rehab facilities) throughout the United States accept BCBS.
Does BCBS Cover Out-of-Network Care?
An in-network treatment facility is one with an agreement with Blue Cross Blue Shield to offer care for members at a lower rate than other providers. When you choose an in-network facility, it typically means lower out-of-pocket expenses for you.
Does BCBS Cover Co-Occurring Mental Health Conditions?
The Mental Health Parity and Addiction Equity Act is a law enacted to ensure that everyone who wants access to addiction and mental health treatment can get the care they need. All healthcare insurance providers, including Blue Cross Blue Shield, must cover these services to some degree. 6
How to Check What Blue Cross Blue Shield Covers
Insurance coverage for drug and alcohol addiction treatment varies plan by plan, so it’s important to check with BCBS to determine what your specific policy will cover and how much you will be personally responsible for paying out-of-pocket.
Verifying Your Blue Cross Blue Shield Coverage
Once you’ve found an alcohol treatment facility that meets your needs, it’s time to verify your insurance. Call the number on the back of your insurance card to determine what is required before you enter treatment (pre-authorization forms, for example), or call the rehab facility directly.
What is rehabs.com?
Rehabs.com is a subsidiary of American Addiction Centers (AAC) a leading provider of drug and alcohol addiction treatment nationwide. AAC is in network with many of the top insurance providers in the U.S.
What is the number to call for rehabs?
Call one of our admissions navigators at (888) 341-7785. Helpline Information. ✕. How Our Helpline Works.
What is alcoholism treatment?
“Alcoholism involves an increased tolerance to alcohol — meaning it takes more alcohol in order to feel the same effect.”#N#Inpatient treatment programs offer a safe environment that enables the user to break the addiction and become sober.
How long can you stay on a medicaid plan?
Most programs are either 30, 60 or 90 days in length and can be extended if needed. Some individuals can stay as long as a year for, particularly severe cases. Once again, coverage will be determined by the individual policy and can include either partial or full payments.
What are the symptoms of alcoholism?
Withdrawal symptoms when alcohol is not consumed can include uncontrolled shaking, irritability, jumpiness, sweating, nausea, depression, fatigue or headaches.
How does luxury treatment help?
Luxury treatment options can increase the level of success by encouraging the patient to remain in the program for its full duration. A private room, spa treatments, and gourmet meals within the facility provide an environment where a person wants to be. This helps with the success of the program.
What is alcohol abuse?
Alcohol abuse involves neglecting your important obligations due to drinking, including drinking and driving. Alcohol abuse can include drinking even though it is having a negative impact on work and relationships, legal problems, and drinking as a way to de-stress.
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.
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.
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.
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 insurance covers rehab?
While the aforementioned legislation requires most insurance companies to pay for addiction treatment or rehab in some capacity, every insurance policy is different, so the coverage of rehab costs can vary considerably from patient to patient. A few of the factors that affect coverage levels are: 1 Type of policy: HMOs, PPOs, HRAs, and HDHPs will all cover different percentages of the total cost of treatment. Your insurance card should indicate the type of policy, your co-pay amount, and offer a phone number and website where you can get your coverage information in detail. 2 In-network providers: Most insurance companies have relationship with specific healthcare providers that are deemed “in-network.” Seeking treatment at an in-network facility will almost always reduce the out-of-pocket cost for which the patient is responsible. 3 Public insurance plans: Medicare and Medicaid are both forms of public insurance available to select people who qualify. Coverage on these plans can be quite different than on plans provided through an employer or purchased on the health insurance marketplace.
What are the three major components of addiction treatment?
In general terms, addiction treatment programs can be broken down into three major components: detox, inpatient treatment, and outpatient treatment. According to all four providers’ websites, they cover all these types of care though the specifics of treatment may vary. 7,8,9,10. Provider. Detox. Inpatient.
What is the Affordable Care Act?
The Affordable Care Act (ACA/Obamacare) Before covering the basics of how to pay for treatment. it is important to understand the protections that are available to you provided by the Affordable Care Act of 2013. The ACA has made addiction treatment considerably more affordable and accessible in several ways. The ACA: 13,14.
What should my insurance card indicate?
Your insurance card should indicate the type of policy, your co-pay amount, and offer a phone number and website where you can get your coverage information in detail. In-network providers: Most insurance companies have relationship with specific healthcare providers that are deemed “in-network.”.
What happens if your health insurance company denies you a service?
If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.
How long can you keep your child on family insurance?
Allows parents to keep their children on family insurance plans until age 26. Requires federal and private insurers to handle substance use disorder with the same level of care provided for surgeries and other medical procedures by establishing ...
Does American Addiction Center accept insurance?
As one of the largest providers of addiction treatment in the United States, American Addiction Centers accepts all four of these major insurance providers and works with many others.
How does Blue Cross Blue Shield help with addiction?
Blue Cross Blue Shield may cover some or all of the costs for different types of addiction treatment, including: 3 1 Detox services: Quitting drugs and alcohol sometimes means withdrawal symptoms. Medical detox helps you safely withdraw from substances. Your care team gives prescription medicines as needed and is on hand address your needs. 2 Inpatient or residential care: This is 24/7 care and support in a residential treatment center or hospital. Treatment may involve counseling, prescription medicine, and support from staff and peers. Most people stay anywhere from a month to a year in these facilities. 3 Partial hospitalization: This type of program, sometimes called “day treatment,” lets you live at home during treatment while spending your days at the treatment center. 4 Intensive outpatient: Intensive outpatient programs typically involve attending treatment programs about 3 nights per week. You can live at home and go to work during the day. 5 Sober living home: This is a short-term living situation in a home or treatment center to help people transition from inpatient treatment to living on their own.
What does it mean when a treatment center is out of network?
If a treatment center is out-of-network, this means that BCBS does not have an agreement with them and may not cover costs. This may mean higher out-of-pocket costs. And, in some cases, you may need to pay for all services yourself. If you can, work with an in-network provider for your drug and alcohol treatment.
What is medical detox?
Medical detox helps you safely withdraw from substances. Your care team gives prescription medicines as needed and is on hand address your needs. Inpatient or residential care: This is 24/7 care and support in a residential treatment center or hospital.
How to check my insurance benefits?
Call the number on the back of your insurance card to speak with customer service. They can walk through your plan details with you and help you estimate the costs of treatment. Call the treatment center you’d like to go to. Most can check your benefits with you while you’re on the phone.
What is the difference between gold and silver health insurance?
Silver plans cover about 70% of your medical costs. Gold plans cover about 80% of your medical costs. Medicare and Medicaid. Medicare is a federal health insurance plan for people age 65 and older, and those under 65 with certain disabilities or medical conditions.
Which has the lowest monthly premiums?
Bronze plans have the lowest monthly premiums but the highest deductibles. Platinum plans have the highest monthly premiums but the lowest copays and deductibles.4After you meet your deductible:4. Bronze plans cover about 60% of your medical costs. Silver plans cover about 70% of your medical costs.
Do insurance plans cover SUD?
Get to know what parts of SUD treatment your insurance plan coversand what you will have to pay for out-of-pocket. Many insurance plans have deductibles you must meet before they’ll pay for services. Most plans also have copays that you must pay for certain services, such as prescriptions or doctor appointments.
