Full Answer
Does BCBS insurance cover drug rehab?
Oct 08, 2021 · Federal BCBS drug treatment providers that are out-of-network are termed “non-preferred” because they don’t have an agreement with the provider. 9 This means you will have higher out-of-pocket costs. 9 The amount you pay will depend on whether you have the Standard Option insurance plan or the Basic Option insurance plan. 9
How much does Blue Cross Blue Shield charge for inpatient treatment?
Earn $50 for completing the Blue Health Assessment. 3. Earn up to $120 for completing three eligible Online Health Coach goals. 3. Network Coverage. In-network and out-of-network care. In-network and out-of-network care. Out-of-Pocket Maximum. Self Only: $6,000. Self + One and Self & Family: $12,000. Self Only: $ 8,0004.
What is Blue Cross Blue Shield (BCBS)?
Jun 30, 2016 · 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. With these policies, members are responsible for the copay and must also go through a pre-certification …
Does Blue Cross Blue Shield cover outpatient treatment?
Mar 14, 2022 · Blue Cross Blue Shield Rehab Coverage Levels and Plans. While BCBS plans can vary based on which state you are in, most plans are broken into 3 levels: 3. Bronze plans have the lowest premiums, but out-of-pocket costs are higher. BCBS pays about 60% of the costs of your medical care once your deductible is met.
Federal BCBS Insurance Coverage for Drug and Alcohol Rehab Treatment
A Federal Blue Cross Blue Shield (BCBS Federal) insurance plan offers several tools and resources to assist you with any behavioral or substance abuse issues The BlueCross BlueShield federal employee program delivers strategies for overcoming substance use, from telehealth options to online tools.
What is Federal BCBS?
Blue Cross Blue Shield providers have been around for over 80 years. 2 Since its inception in 1929, the BCBS has provided valuable healthcare solutions for its clients. 2 By 1950, they expanded to include the BlueCross BlueShield Federal Employee Program.
What Types of Drug Treatments Does Federal BCBS Insurance Cover?
When you have Federal BCBS substance abuse treatment coverage, you can expect the cost of at least some of your treatment to be covered. The type of treatment that the Federal Blue Cross covers will vary based on your policy. However, types of treatment that may be covered include: 4
How Long Does Federal BCBS Insurance Cover Inpatient Alcohol and Drug Rehab program?
When you first get started at a Federal BCBS treatment center, you might be wondering how long your plan will cover treatment. Some policies do limit the number of days you can receive outpatient appointments and the amount of overnight inpatient service.
Federal BCBS In-Network vs. Out of Network Inpatient Drug Rehab Centers
In-network BCBS Federal rehabilitation centers are those that have an agreement with the provider to deliver a discounted price for services. So, when you choose a “preferred provider,” you only have to pay your deductible for covered services. 9
How to find Federal BCBS covered Inpatient drug treatment centers Near You?
American Addiction Centers (AAC) is here to assist you in finding Federal BCBS substance abuse providers. At AAC, we can verify your insurance coverage quickly and confidentially. We can help you find a Federal BCBS rehab center that is ideal for your situation.
Get prescriptions delivered right to your door
All Standard Option members get access to our Mail Service Pharmacy Program. It’s a convenient way to get any prescription drugs you take regularly sent to your home.
Not sure which plan is right for you?
Our AskBlue SM FEP Medical Plan Finder tool can help you select the right option for your needs.
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 BCBS pay for medical?
BCBS pays about 70% of your medical care after your deductible is met. Gold plans have the highest premiums and lowest out-of-pocket costs. BCBS pays about 80% of your medical care once your deductible is met.
What is the difference between FEP Blue Focus and FEP Blue Focus?
The FEP Blue Focus plan offers access to in-network providers, with lowest premiums, higher deductible and out-of-pocket maximum, and lowest copays.
What is the benefit of a large, nationwide insurance company like BCBS?
The advantage of a large, nationwide insurance company like BCBS means that you can easily access treatment in other states. 6 The BlueCard program allows you to benefit from local BCBS plan rates even if you decide to seek treatment outside your home state. 6. Don’t wait.
How to check if your insurance covers rehab?
If you want to check your insurance benefits or find out if your insurance covers drug rehab, you can call the phone number on the back of your insurance card to connect with a customer service representative. You can also access your benefits through the BCBS website, which will connect you to your local BCBS provider.
What is the lowest premium for BCBS?
While BCBS plans can vary based on which state you are in, most plans are broken into 3 levels: 3. Bronze plans have the lowest premiums, but out-of-pocket costs are higher. BCBS pays about 60% of the costs of your medical care once your deductible is met.
Does BCBS accept insurance?
You can also check to see if your insurance is accepted at American Addiction Centers facilities. BCBS is a well-established insurance company that offers health insurance to many people across the country. A variety of coverage plans is available. They offer different levels of benefits, although each provides coverage for substance use disorder ...
Does BCBS have medicaid?
BCBS participates in Medicaid, which is a health insurance program for people with low incomes who often have severe health conditions. 4 Medicare, a federal insurance program for people aged 65 and older, is also administered through BCBS. 5. The advantage of a large, nationwide insurance company like BCBS means that you can easily access ...
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 most common outpatient treatment for addiction?
Some of the most common outpatient treatments for addiction include partial hospitalization programs, intensive outpatient treatment programs, and medication-assisted treatment .
How much does Blue Cross Blue Shield inpatient treatment cost?
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.
What is the best insurance for drug and alcohol treatment?
Blue Cross Blue Shield is one of the largest insurance providers in the US and one of the best insurance companies to have when it comes to minimizing out-of-pocket expenses for drug and alcohol treatment. Knowing what is covered under your BCBS insurance plan can help you determine if your addiction treatment expenses will be covered.
What is the phone number for BCBS?
Call to be connected with a treatment specialist. 100% Free and Confidential. (844) 616-3400. With PPO (Preferred Provider Organizations) plans through BCBS, individuals may have a little more selection. BCBS PPO plans provide a network of treatment providers as well, but the selection may be greater.
Does BCBS cover rehab?
BCBS provides coverage for partial hospitalization programs (PHP) if the rehab program meets coverage requirements. For example, you may have to meet your plan deductible before coverage kicks in, or choose from a treatment provider that is in-network with your BCBS health plan.
Does Blue Cross Blue Shield cover outpatient treatment?
Outpatient treatment for addiction is covered by Blue Cross Blue Shield plans at a similar rate as inpatient rehab programs. Services available for outpatient treatment can vary greatly, though, depending on whether a person seeks treatment at a doctor’s office, rehab center, or hospital.
Does BCBS have a higher deductible?
Those with BCBS Bronze plans (generally lower monthly premium and higher deductible) may have to pay larger copays for certain services. Those with Blue Cross Blue Shield Gold plans (generally higher monthly premium and lower deductible) may pay less for certain services and have lesser copays.
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.
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.
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.
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
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.
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.
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.
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.
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.
How long do you have to have FEHB coverage?
You or your spouse must have . five (5) years of continuous coverage in the FEHB . in order to continue your FEHB coverage into retirement. If you cancel your FEHB coverage while retired, you cannot re-enroll in the Program. If you want to try out a non-FEHB plan (such as Medicare Part C), you should suspend .
What happens if you delay enrolling in Medicare Part B?
If you decide to hold off on enrolling in Medicare Part B when you’re first eligible, you may pay a penalty if you decide to enroll after your initial eligibility date. The penalty is a 10% increase in premium for each year you delay your Medicare Part B enrollment. Learn more on . page 15.
What is Medicare Part A?
Medicare is a health insurance program provided by the federal government, available. to people: • 65 and older • Under 65 with certain disabilities • With permanent kidney failure who need dialysis treatment or a transplant (End-Stage Renal Disease) . Part A. Hospital.
What is the penalty for late enrollment in Medicare?
The penalty is a 10% premium increase for each year you choose to delay your enrollment.
What is Blue Cross Blue Shield Association?
set forth in the Federal brochures. The Blue Cross Blue Shield Association is an association of independent, locally operated Blue Cross and Blue Shield companies. The Blue Cross.
How long do you have to enroll in Part B?
Once you retire, you’ll have eight months to enroll in Part B before the penalty kicks in. . General Enrollment Period .
Is Medicare primary or secondary?
coverage. That means Medicare pays for your service first, and then we pay our portion (secondary coverage). Usually, if you’re . retired, Medicare is primary. If you’re still actively working, we’re your primary coverage. Throughout this booklet, we’ll talk about your benefits if Medicare is primary (unless .