What Is Blue Cross Blue Shield? What does Blue Cross Blue Shield Addiction & Mental Health Treatment Cover?
Since 1929, Blue Cross Blue Shield insurance (BCBS) companies have provided healthcare coverage to members, allowing them to live free of worry, free of worries and fear. In every ZIP code, Blue Cross Blue Shield insurance offers a personalized approach to healthcare based on the needs of the communities where its members live and work. In addition, they work closely with hospitals and doctors in the communities they serve to provide quality, affordable healthcare.
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Blue Cross Blue Shield Addiction Treatment
Many people struggle with substance abuse issues, and there can be confusion about what rehabilitation your Blue Cross Blue Shield insurance plan covers when it comes to addiction and mental health services. Awareness and education are crucial to understanding ways to prevent and effectively treat substance use disorders.
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What is Blue Cross Blue Shield Drug Rehab Coverage? What is Blue Cross Blue Shield Alcohol Rehab Coverage?
Does Blue Cross Blue Shield addiction treatment insurance (BCBS) cover the cost of substance abuse treatment for alcohol, drug, and mental health rehabilitation? The short answer is yes, it will cover at least some of the price. This article is intended to help you figure out what your BCBS healthcare does and does not cover. Almost all Blue Cross Blue Shield insurance plans include coverage for substance abuse 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 provide equal coverage for mental health services as they do medical coverage.
This act was created to expand mental health and substance abuse coverage for people across the country. As a result, many BCBS companies may provide you with an affordable range, reflected in the pricing. For example, an unlimited stay at an approved inpatient treatment center may cost $250 out of pocket. On the other hand, you might pay $350 plus a set fee based on your plan allowance for an out-of-network treatment center.
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Blue Cross Blue Shield Addiction Treatment (BCBS) Insurance Coverage
The amount of coverage you have can vary widely based on your state of residence, whether the facility is in or out-of-network, the length of your stay, and your insurance plan level. In addition, the cost of addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.
What Does Blue Cross Blue Shield Drug Rehab Coverage Provide?
Top Blue Cross Blue Shield Rehab Coverage FAQs. Blue Cross Blue Shield Tiers:
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.
Does Blue Cross Blue Shield Mental Health Cover Behavioral Health & Substance Abuse Treatment?
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.
Does Blue Cross Blue Shield Health Mental Health Insurance Cover Inpatient Rehab?
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.
What is the Length of Blue Cross Blue Shield Addiction Treatment?
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.
How Much Does Blue Cross Blue Shield Drug Rehab & Blue Cross Blue Shield Alcohol Rehab Insurance Cover?
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 Rehab Therapy Coverage: Does BCBS Cover Therapy?
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.
How to Check Your Blue Cross Blue Shield Addiction Treatment Coverage?
Before you decide which rehab center might be best for your needs, it’s essential to check your insurance benefits to understand what costs your insurance provider covers and which ones you are responsible for. Knowing precisely what Blue Cross Blue Shield’s mental health plans cover can give you peace of mind while you or your loved one is in a rehab center. Then, you can do the work of getting and staying sober without worrying about unexpected costs or financial struggles.
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How Long Will Blue Cross Blue Shield Drug Rehab Coverage Last?
The length of time that Blue Cross Blue Shield insurance, or any insurance plan, will cover rehab depends on an individual’s specific health care plan and behavioral health benefits. Likewise, the length of time someone stays in rehabilitation for mental health is also contingent upon the particular treatment program and their recommended level of care.
How Much Does Blue Cross Blue Shield Mental Health Cover?
The amount of addiction 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.
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Blue Cross Blue Shield insurance typically covers individual therapy sessions for people with dual diagnosis conditions. BCBS insurance may cover therapy fully or partially, depending upon the member’s plan. However, the member may still be responsible for certain additional therapy costs, especially if they still owe money towards their deductible or must pay coinsurance.
We Level Up provides world-class care with round-the-clock medical professionals available to help you cope. In addition, we work as an integrated team providing information about Blue Cross Blue Shield insurance and other aspects of treatment. Make this your opportunity to reclaim your life. Call today to speak with one of our treatment specialists. Our specialists know what you are going through and will answer any of your questions.
We Level Up treatment centers can help with inpatient programs exclusively. Depending on the extent of your mental health conditions, we can first help assess your condition and thereafter guide you to suitable treatment options. We do not provide outpatient and PHP services at this time. Call to learn more.
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Begin with a free call to an addiction & behavioral health treatment advisor. Learn more about our dual-diagnosis programs. The We Level Up treatment center network delivers recovery programs that vary by each treatment facility. Call to learn more.
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