Does Blue Cross Blue Shield Insurance Cover Rehab? Blue Cross Blue Shield (BCBS) health insurance does cover rehab for drug and alcohol addiction. BCBS is a large and well known insurance provider that is accepted at many addiction treatment facilities, including American Addiction Centers.
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Does Blue Cross Blue Shield cover drug rehab?
BlueCross and BlueShield (855) 791‑4527 Butte , Montana 59701 View Wilderness Treatment Center Treatment Center, LAC "Wilderness Treatment Center is …
Do Montana treatment centers accept Blue Cross Blue Shield insurance?
Accept Blue Cross Blue Shield Drug Rehab Facilities in Montana, United States Blue Cross Blue Shield is one of the largest private health insurers in the country. The company includes over 35 locally owned insurance entities serving over 105 million customers across the United States across multiple industries.
What is Blue Cross Blue Shield (BCBS)?
Apr 04, 2022 · All Blue Cross Blue Shield insurance plans include mental health benefits, and most plans cover at least some portion of drug and alcohol addiction treatment. 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.
Does Blue Cross Blue Shield insurance cover Suboxone?
Apr 08, 2019 · Several healthcare providers, hospitals, and rehab facilities work directly with Blue Cross Blue Shield to provide treatment services. While Blue Cross Blue Shield typically offers some form of addiction treatment coverage for most plans, coverage will …
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).
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 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.
Can addiction be cured overnight?
Addiction isn’t something that you can cure overnight, but with the proper help from professionals in a recovery center, you can start working on taking back your life. Whether your provider covers outpatient or inpatient programs, you’ll want to decide which is the best option for you.
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.
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, ...
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.
Does insurance cover drug addiction?
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. You can learn about your exact coverage options for addiction treatment and what you will be required to pay by speaking ...
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 get health insurance outside of open enrollment?
The only other way to get an individual health plan outside the open enrollment period is by qualifying for a special enrollment period in case of life events like getting married, having a baby, loosing your job, etc. Buying Health Insurance Through The Market Place. 2. Use your Employment.
What are the different types of health insurance?
Here’s a quick synopsis of the different tiers of insurance plans. 1 Bronze – Covers approximately 60% of medical costs. Plans in this level incur low monthly payments and a high deductible. 2 Silver – Covers about 70% of medical costs. These plans come with a comparatively higher monthly payment and lower deductible. 3 Gold – Covers around 80% of the medical costs and involves higher monthly payments and a relatively low deductible. 4 Platinum – The most premium plan, it covers around 90% of medical costs. It has the highest monthly payments and the lowest deductible.
What is a catastrophic plan?
Catastrophic Plan. Catastrophic plans are primarily designed for young adults and have low premiums compared to comprehensive plans. These plans, however, have comparatively high deductibles. The BlueChoice Young Adult plan for example is open to individuals under the age of 30.
When is the best time to buy health insurance?
The open enrollment period is typically the best time to buy your health insurance. It is that time of the year where you can start, stop, or change a health insurance plan. Most plans require signing up around the end of the year and provide coverage for the next full year.
Does BCBS cover rehab?
The amount of time that your BCBS insurance will cover rehab depends entirely on your healthcare plan, your recovery plan, the suggested level of care, given your condition. Depending on how intensive your addiction treatment plan is, your BCBS insurance plan will continue to cover rehab for as long as it is needed.
What is premium insurance?
Premium – the bulk amount you pay upfront toward your insurance to keep your healthcare insurance active. Out-of-pocket cost – the amount that you pay toward your treatments from your savings. Copay – is the percentage of the claim amount that needs to be paid by a policyholder under their health insurance policy.
Does Blue Cross Blue Shield cover addiction?
Breathe a sigh of relief because several Blue Cross Blue Shield policies across every state in the country cover costs pertaining to addiction treatment. The kind of coverage you can get from BCBS depends on where you are located and the nature of your insurance plan. But, first, let’s understand what BCBS is all about.
How much does Blue Cross Blue Shield cost?
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.
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.
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.
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 insurance cover drug rehab?
Attending a rehab program at a facility that accepts your insurance can eliminate any difficulties that may arise with insurance compliance. Using your insurance policy to pay for drug rehab is the easiest way to ensure the bulk of addiction treatment costs are covered.
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 alcohol rehab?
However, the amount of coverage and services covered will vary by plan.
How much is a rehab center covered by Blue Cross Blue Shield?
If you (or a loved one) are struggling with an addiction to drugs or alcohol and have Blue Cross Blue Shield insurance, your stay at a drug rehabilitation center may be covered up to 100 percent.
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.
What is the law in Wyoming?
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. This is mandated by the Mental Health Parity and Addiction Equity Act.
What is the highest measure of success?
The highest measures of success are found in programs which offer individualized, research-based treatments. This comprehensive care blends medications and behavioral therapies to address the addiction on both a physical and psychological level.
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 ...
How long is a 90 day treatment?
Treatment may range from 28 to 30 day programs, upwards to a year or longer. Research shows that the most optimal treatment outcomes are obtained in 90-day programs, at minimum. Inpatient programs typically offer a more diverse array of treatments, provided in a more individualized way.
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.
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.
How much does Blue Cross Blue Shield cost out of pocket?
Just some of the costs that will be on those insured through federal programs are as follows: If someone has the standard option, $350 in copay.
What is the code for methadone?
Treatment with methadone is covered by Blue Cross Blue Shield health insurance through the process of reimbursement. It is coded as H0020: Alcohol and/or drug services; methadone administration and/or service (provision of the drug by a licensed program).
What are the different tiers of federal employee benefits?
Federal employee programs have different tiers than the standard packages offered by the company. These tiers are: Standard, Basic, and Blue Focus. Each of these plans will grant different levels of coverage.
Does BCBS cover substance abuse?
Verify Coverage Through BCBS And Begin Treatment. If someone has Blue Cross Blue Shield insurance, substance abuse treatment is covered in most circumstances. Anyone with this coverage and a substance use disorder should verify their coverage.
What is drug testing?
For many individuals, being drug tested on a regular basis is part of the rehab process, as well as maintenance after active rehabilitation has ceased. The process of getting this covered begins by adding the insured’s drug of use to their profile. Once those are added, it sets the scope for testing, as it will be limited to those drugs or any substances that have been identified as drugs of use in subsequent evaluations.
Does BCBS cover drug rehab?
These individuals can only expect their inpatient drug rehab to be covered if they select one that has contracted with their HMO. Assuming that someone has a policy that covers drug rehab, and they select an in-network provider, BCBS should be able to help with the cost of treatment.
Does Blue Cross Blue Shield cover drug rehab?
In general, Blue Cross Blue Shield insurance does cover drug addiction rehab. However, the specifics of this coverage will vary depending on which company under the BCBS banner a person has coverage with. Most policies will cover the following types of drug rehab: Outpatient treatment. Residential treatment/ detox.