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: March 13, 2023

Does Excellus Cover Therapy? Excellus Blue Cross Blue Shield Mental Health Coverage

The Affordable Care Act (ACA) requires all insurance providers to cover services for mental health rehab. Additionally, the ACA mandates that all health insurance plans must include behavioral health, inpatient mental health, and treatment for substance use disorders (SUD) (such as counseling and psychotherapy).

Excellus Blue Cross Blue Shield Mental Health & Drug Addiction Coverage Free Quick Check

Excellus BCBS Mental Health Service & Excellus Behavioral Health

Blue Cross Excellus Plan Mental Health

Treatment centers for alcohol addiction are covered by Excellus’ medical insurance. Services for drug recovery are also covered for Excellus health plan members. Dual diagnoses of addiction and/or co-occurring mental health conditions are also covered by Excellus’ mental health plan.

While We Level Up makes every effort to provide you with the most up-to-date information on each carrier’s drug abuse coverage, mistakes do occur occasionally. Please get in touch with your insurance carrier as a way to confirm coverage levels. By contacting our staff, you can also receive a free insurance check.

Excellus Health Options Drug Rehab Coverage & Excellus Bcbs Mental Health Doctors

Open-access plans, copay-only plans, and high-deductible plans are all available through Excellus insurance.

• Open-access plans don’t need a referral or a primary care physician, and they let you pick the doctors you want to see.
• Primary care physician visits and generic medications will be covered before you reach your deductible under copay-only plans, which ensures that your payments after paying your deductible will only be copays.
• Preventative care services, sometimes coverage through a primary care physician before the deductible is met (with a fee), and the choice of a health savings account are all provided by high-deductible plans. Logging into the member website will allow you to see the specifics of your plan.

High deductible, copay-only, and open-access insurance are all offered by Excellus Insurance protection. Insurance companies offer a range of regional plans supported by the national provider network in order to better support patients in their local locations. Mental health problems typically coexist with drug or alcohol addiction. As a result, if you seek therapy for substance misuse or addiction, it’s imperative to address mental health issues.

Via its Ongoing Care initiatives, Excellus is devoted to monitoring patients. Once a week, participants get together to support “alumni” in various treatment programs. Social events might be organized to celebrate a victory or a recent comeback. Because they consistently encourage people to get involved in their communities, these initiatives have a significant influence.

The Excellus insurance customer service team provides resources for healing whether day or night. It facilitates the search for nearby therapists and counseling providers.

Excellus Behavioral Health & Drug Addiction

To find out what your particular plan covers, including coinsurance, copays, and deductibles, you must contact your insurance provider. Health insurance might pay for the following programs for substance abuse:

• Detoxification
• Inpatient rehabilitation
• Residential rehabilitation
• Partial hospital treatment
• Intensive outpatient treatment
• Continuing care programs

When choosing the finest rehab treatment center for you, research your policy benefits to discover which costs will be covered by your insurance company and which ones you will be required to pay out of pocket. Call the number on the back of your insurance card or log into your account on the Excellus website to learn more about the specifics of your coverage plan.

Knowing the precise coverage offered by your Excellus insurance plan may put you at rest when you or a loved one is seeking treatment for substance abuse. You’ll be free to concentrate on the process of getting and being clean since you won’t have to worry about unanticipated costs or financial troubles.

• If you’re reluctant to seek addiction rehabilitation therapy because you’re worried about what people might think, you’ll be glad to have Excellus insurance. Excellus provides members with round-the-clock service and can help you quickly locate a doctor or treatment center. Your agent will treat any information you share with them in the strictest confidence, and the company will take care of your needs discretely. Your Excellus insurance coverage and the new corporate plan both specify a combination of private counseling as the length of your stay. No of how long you remain, you’ll feel safe.

• You’ll most likely need to visit a rehab center that is connected to Excellus’s network in order to earn your full benefits. You can still be responsible for a portion of the charges even if you choose an in-network institution for addiction treatment. If you choose an out-of-network facility, you can be liable for the full cost of your care. You can discuss other funding possibilities with the college, such as a payment plan or potential scholarships.

• Drug and alcohol rehab costs differ from person to person. It largely depends on the rehab center, the program you select, and the specific treatments you receive. When selecting a rehab facility, review your Excellus insurance benefits to determine which costs are covered by your insurance and which you will have to pay out of yourself. Call the number on your insurance card or sign in to your account on the Excellus website to learn how much you might have to pay in copays and any deductible that must be satisfied before coverage begins for the treatments you need.

Do Treatment Centers Need to be In-Network? Excellus Behavioral Health

Although not all Excellus insurance plans demand that patients use in-network physicians and medical facilities, out-of-network services may be more expensive. It is important to keep in mind that programs outside of Excellus’s network have not had their adherence to current standards of care examined.

Each of Excellus’ in-network programs has to meet a high standard of care and comply to modern norms. Find out from your insurance provider whether pre-certification for your treatment for substance abuse is required before you begin the program. Pre-certification comprises a review procedure to ascertain whether the requested treatment or program exceeds Excellus’s clinical requirements for coverage.

Excellus Behavioral Health and Drug Rehab Service and Costs & Excellus Behavioral Health

Depending on your location and the coverage your Excellus policy offers, the cost of inpatient rehabilitation programs may change. For in-network inpatient services, several Excellus plans offer 0% coinsurance; insurance coverage starts after your whole deductible has been satisfied. Some plans may charge a fee at the time of admission for extra services.

Excellus Blue Cross Blue Shield Mental Health Coverage 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.