Blue Cross

In summary, the tiered plans of Blue Cross Blue Shield insurance are as follows:

• Bronze: This level covers around 60% of medical costs, with a low monthly payment and a high deductible.
• Silver: This level covers around 70% of medical costs, with a slightly higher monthly payment and lower deductible.
• Gold: This level covers around 80% of medical costs, with a higher monthly payment and low deductible.
• Platinum: This level covers around 90% of medical costs, with the highest monthly payment and the lowest deductible.

In general, Blue Cross Blue Shield insurance plans do cover treatment for addiction, at least in part, but again, specifics are based on the individual policy you possess. 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.

The type of treatment center you choose, as well as the specific professionals who treat you, will be determined by your plan. If you have an HMO (Health Maintenance Organization) plan, you are only covered at HMO-contracted facilities. If you have a PPO (Preferred Provider Organization) plan, you have the option to see a wider range of providers, and you can see an out-of-network provider at a higher rate.

As with all medical issues, oftentimes, only a portion of detox or addiction treatment is covered by insurance. It’s important to speak with Blue Cross Blue Shield to determine your exact level of coverage and learn what that means in terms of the specific dollar amount you will pay out of pocket.

The options available to you under Blue Cross Blue Shield insurance are dependent upon your situation and the coverage you have. 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. The fastest way to go about finding a center for treatment is by using the Blue Cross and Blue Shield Association’s websites to search locally for providers near you.

Yes, in general, Blue Cross Blue Shield health insurance covers various forms of inpatient rehab. There are multiple types of inpatient rehab, including ones with specialized programs for people struggling with substance abuse issues and co-occurring disorders. Other inpatient residential rehab centers may place emphasis on treating women who are pregnant or have recently had children or simply be gender-specific.

The length of time that Blue Cross Blue Shield mental health insurance, or any insurance plan, will cover rehab depends on an individual’s specific health care plan and their behavioral health benefits. The length of time that someone stays in rehabilitation for mental health is also contingent upon the particular treatment program and their recommended level of care. You can find rehabs that accept blue cross blue shield insurance.

The amount of substance abuse treatment that BCBS covers is contingent upon a member’s particular plan, their desired treatments, and the provider they choose. You can discover more about your BCBS coverage by calling the phone number on the back of your insurance card or calling one of our admissions navigators today.

Blue Cross Blue Shield typically covers individual therapy sessions for people with mental health conditions. BCBS insurance may cover therapy fully or partially depending upon the member’s plan. The member may still be responsible for certain additional costs of therapy, especially if they still owe money towards their deductible or are required to pay a coinsurance.

[1] Substance Use Resource Center – Blue Cross Blue Shield