By We Level Up | Editor Yamilla Francese | Clinically Reviewed By Lauren Barry, LMFT, MCAP, QS, Director of Quality Assurance | Editorial Policy | Research Policy | Last Updated: September 1, 2023

Premera Blue Cross insurance may cover addiction, mental health, and rehab treatment under some plans. Benefits depend on the plan, network, and type of care. Premera uses different plans and networks, which can affect treatment access and member costs.

For example, one member may have some benefits outside the provider network. Another member may have a plan with tighter network rules. Both plans may use the Premera name, but treatment choices and costs can differ. The full plan name is important when checking benefits.

Premera Blue Cross serves members in Washington State. Premera Blue Cross Blue Shield of Alaska serves members in Alaska. Some plans may also allow members to receive care outside their home area. The member’s own health plan controls the benefit.

Review Your Premera Plan With We Level Up

We Level Up can review your Premera plan name, network, and available insurance information. Use our insurance verification service or call (844) 597-1011. Our admissions team can discuss treatment options and available locations. Verification does not guarantee coverage, approval, admission, network status, or payment.

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Does Premera Blue Cross Insurance Cover Rehab?

Yes. Some Premera Blue Cross benefits may apply to addiction and mental health treatment. The exact benefit depends on the plan and type of care. Some services may need prior approval or a medical review.

Clinical advice and insurance approval are different. The treatment team decides which care fits the person’s health needs. Premera then reviews the benefit rules in the plan. An insurance decision does not replace a clinical recommendation.

What is Premera Blue Cross?

People asking what Premera Blue Cross is are often trying to understand the company and their coverage. Premera Blue Cross is an independent Blue Cross Blue Shield licensee. It offers health plans in Washington. Its Alaska affiliate serves members in Alaska.

Premera uses different plans and provider networks. These differences can affect which doctors or treatment facilities a member can use. They may also affect deductibles, copays, and other costs. Members can review their plan documents for more details.

What Premera Blue Cross Plans Are Available?

Premera Blue Cross plans can differ by employer, market, service area, and provider network. Some plans may include benefits outside the network, while others use tighter network rules. High-deductible options may also be available for some members. The exact choices depend on the plan offered to the member.

Some high-deductible plans can work with a health savings account. This does not mean every high-deductible Premera plan qualifies for an HSA. Members should check the documents for the plan they have. Official Premera plan and network information explains current service areas and network structures.

A Premera health plan can also set rules for primary care and specialist services. A primary care provider may help with general health needs or guide a member toward behavioral health care. Addiction and mental health services can use separate benefit and network rules. Members should follow the requirements for their exact plan.

What Levels of Care May Premera Benefits Cover?

Different levels of care provide different amounts of medical and therapeutic support. The right level depends on symptoms, safety, withdrawal risk, and daily needs. Insurance review can also differ by service. The examples below explain the main treatment settings.

Medical Detox

Medical detox helps manage withdrawal when alcohol or drug symptoms may need medical care. Staff can watch for health changes and respond if symptoms become unsafe. Detox often comes before another level of addiction treatment. The next step depends on the person’s health after withdrawal becomes stable.

A medical detox program may help when withdrawal needs medical support. Lake Worth and Lawrenceville provide addiction detox. Spokane Valley provides detox within a mental health treatment program. More facility details appear in the location section below.

Inpatient and Residential Treatment

Inpatient and residential programs provide structured care while a person stays at a facility. Inpatient care may include more medical or psychiatric support. Residential care often focuses on therapy, daily routines, and recovery skills. The right setting depends on the person’s symptoms and needs.

Residential treatment can provide a stable setting away from daily triggers. Lake Elsinore provides residential addiction treatment. Kingwood provides outpatient treatment for substance use and mental health needs. Lawrenceville provides mental health PHP and IOP, while Pompano Beach provides substance use IOP. 

Partial Hospitalization and Intensive Outpatient Programs

PHP and IOP provide structured treatment without requiring someone to live at the facility. PHP usually includes more treatment hours each week. IOP uses fewer hours and may allow more time for work or family. Both can include therapy, groups, education, and treatment planning.

An intensive outpatient program can help people who need regular care without residential treatment. Kingwood provides IOP for substance use and mental health needs. Lawrenceville provides mental health PHP, while Pompano Beach provides substance use IOP. The complete facility details appear later on this page.

Dual Diagnosis Care

Dual diagnosis care treats substance use and mental health conditions together. Depression, anxiety, trauma, or another condition may occur with addiction. These concerns can affect each other during recovery. Treatment may include therapy, medication, addiction care, and mental health support.

Dual diagnosis treatment can support people with both types of needs. Lake Elsinore treats addiction with co-occurring mental health concerns. Spokane Valley also treats co-occurring substance use and mental health needs. The right facility depends on the person’s main treatment needs.

What Can Affect Premera Blue Cross Rehab Coverage?

Several parts of a Premera plan can affect treatment benefits and member costs. The most important factors are listed below. Some affect whether care is approved, while others affect what a member may owe. Later sections explain network, cost, and approval rules in more detail.

Coverage can depend on:

How Do Premera In-Network and Out-of-Network Rules Work?

People searching for Premera Blue Cross in network treatment should check the network shown on their member card. Premera uses more than one provider network. A facility may participate in one network but not another. Network status is one of the most important details to check before planned care.

In-network treatment may cost less under some plans. Other plans may also include benefits for care outside the network. Out-of-network treatment can have different cost rules or higher member costs. The exact rules come from the member’s plan.

Can Premera Cover Rehab Outside Washington or Alaska?

Yes. Some Premera members may have benefits for treatment outside Washington or Alaska. The answer depends on the plan and its rules for out-of-area care. Members considering travel should ask how their plan handles treatment in another state. They should also check the network for the facility being considered.

Out-of-area benefits do not make every treatment facility in-network. A member’s own plan still controls the benefit. Travel may also affect costs or approval requirements. Check these details before making plans for treatment in another state.

Which We Level Up Locations Offer Detox, Residential Care, PHP, and IOP?

We Level Up has treatment programs in several states. Each facility has its own treatment focus. Some locations provide addiction care, while others focus more on mental health. The treatment level should fit the person’s needs.

Lawrenceville, New Jersey

Lawrenceville, NJ, provides detox and residential treatment for substance use disorders. The program also treats co-occurring mental health concerns. Mental health PHP is available. The right level depends on symptoms and treatment needs.

Lake Elsinore, California

Lake Elsinore provides detox and residential addiction treatment. The program can also address co-occurring mental health concerns. It serves people who need structured live-in addiction care. Continued treatment depends on progress and treatment needs.

Kingwood, Texas

Kingwood provides detox, residential addiction treatment, and outpatient care. The Texas program also supports mental health and co-occurring needs. Outpatient treatment provides another setting for people who do not need live-in care. The right level depends on the person’s treatment needs. 

Spokane Valley, Washington

Spokane Valley provides withdrawal management and residential mental health treatment. The facility focuses mainly on structured mental health care. It can also address substance use concerns that occur with a mental health condition. Its residential program is centered on mental health needs. 

Lake Worth, Florida

Lake Worth provides medical detox and residential addiction treatment. The facility can also address mental health concerns that occur with substance use. Its main treatment focus is addiction care. Program availability can vary with clinical needs. 

Tamarac, Florida

We Level Up Treatment Centers in Tamarac provides residential mental health treatment. The program is designed for people whose main need is mental health care. Its residential services focus on mental health rather than primary addiction treatment. People seeking residential addiction care may need another We Level Up location. 

Pompano Beach, Florida

Pompano Beach provides IOP for substance use treatment. Clients can receive structured addiction care while living outside a residential facility. IOP may follow a higher level of care or begin when outpatient treatm

Compare Treatment Options With Your Premera Benefits

Treatment needs, network rules, and travel can all affect which option makes sense. Our admissions team is available 24 hours a day, 7 days a week at (844) 597-1011. We can discuss available programs and the insurance information you have. This can help you compare treatment options before choosing care.

FAQs About Premera Blue Cross Insurance

Premera Blue Cross Mental Health Video

To help you take the initial step toward recovery, our team of admissions coordinators is here to help. They are also accessible to address any queries or worries you may have. We are aware that starting something new can be challenging, especially when struggling with addiction. Our team is familiar with your situation firsthand. We want you to know that you are not alone on this path and that we are here to help.