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 Mental Health Coverage, Does Premera Cover Therapy?

All insurance companies are required by the Affordable Care Act (ACA) to provide coverage for mental health treatment services. Additionally, the ACA requires that behavioral health, inpatient mental health, and treatment for substance use disorders (SUD) be covered by all health insurance policies (such as counseling and psychotherapy).

Premera Blue Cross Mental Health Providers Free Quick Check

Premera Mental Health Providers Search

Does Premera Cover Mental Health? Premera Behavioral Health & Premera Blue Cross Drug Rehab

Premera Blue Cross Therapy Coverage & Drug Treatment Centers Premera

With the exception of Clark County, Premera Blue Cross is a Blue Cross Blue Shield Association independent licensee that offers health insurance to people and businesses throughout Alaska and Washington State. People in Alaska and Washington state have had access to healthcare since 1952 and 1933, respectively. Their objective has always been to offer our members high-quality, affordable healthcare coverage. They’ve been doing it for about 90 years, and we keep up the work.

They give a wide range of healthcare options, collaborate with a network of knowledgeable healthcare professionals, and assist their members in understanding, managing, and receiving the care they require when they require it. They assist communities as well because they are aware of how the environment might affect a person’s health.

Alcohol addiction treatment facilities are covered by Premera’s medical insurance. Members of the Premera health plan are also covered for services related to drug recovery. Premera’s mental health insurance also covers dual addiction diagnoses and co-occurring mental health conditions.

While We Level Up makes every attempt to give you the most recent details on each carrier’s substance addiction coverage, errors do happen from time to time. Please contact your insurance provider to confirm coverage levels. You may get a free copy of the book by clicking here.

Premera Blue Cross Rehab Coverage Costs & Premera Blue Cross Mental Health Benefits

Premera insurance offers high-deductible plans, copay-only plans, and open-access plans.

• Open-access plans let you choose the doctors you want to see and don’t require a referral from a primary care physician.
• Copay-only plans make guarantee that your payments after paying your deductible will only be copays by covering the cost of primary care doctor visits and generic drugs before you hit your deductible.
• High-deductible plans have a number of benefits, including coverage through a primary care physician before the deductible is met, the potential of a health savings account, and preventative care services. You can examine the details of your plan by logging into the member website.

Premera Insurance Protection provides open-access, copay-only, and high-deductible insurance. To better help patients in their local areas, insurance firms provide a variety of regional plans that are supported by the countrywide provider network. Addiction to drugs or alcohol frequently coexists with mental health issues. As a result, it’s crucial to address mental health issues if you seek therapy for substance abuse or addiction.

Premera Behavioral Health Limits Of Coverage & Premera Blue Cross Behavioral Health

Premera is committed to keeping an eye on patients through its Continuing Care activities. Participants come together once every week to support “alumni” in various treatment programs. Social gatherings might be used to commemorate a victory or a recent comeback. These projects have a big impact because they persistently encourage individuals to get active in their communities.

Day or night, the Premera insurance customer service team offers therapeutic solutions. Locating therapists and counselors in the region is much easier.

Premera Blue Cross Drug Rehab & Premera Blue Cross Mental Health

To learn 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

While selecting the best rehab treatment center for you, you may find out which charges will be paid by your insurance provider and which ones you will have to pay out of pocket by looking at the advantages of your coverage. To find out more about the terms of your coverage plan, call the number on the back of your insurance card or sign into your account on the Premera website.

You could feel better at peace if you are aware of the precise coverage that your Premera insurance plan provides when you or a loved one is seeking treatment for substance misuse. Since you won’t have to worry about unforeseen costs or financial difficulties, you’ll be able to focus on the process of achieving and maintaining sober.

• You’ll be happy to have Premera insurance if you’re hesitant to seek addiction rehabilitation therapy out of fear of what people might think. Premera offers members 24-hour support and may make finding a doctor or treatment facility straightforward for you. The information you disclose with your agent will be held in the utmost privacy, and the business will handle your requests discreetly. The duration of your stay is specified by both your current insurance policy and the new company plan, which combines private counseling. No matter how long you stay, you’ll feel safe.

• To access your full benefits, you’ll likely need to go to a rehab facility that is a part of Premera’s network. Even if you select an in-network facility for addiction treatment, you may still be liable for a percentage of the costs. You can be responsible for paying the full cost of your care if you select an out-of-network facility. With the college, you can go over other financial choices including a payment schedule or prospective scholarships.

• The price of drug and alcohol rehab varies from person to person. The rehab center you select, the program of your choice, and the particular treatments you receive are all crucial decisions. Examine your Premera insurance coverage before choosing a rehab facility to find out which charges are covered by your insurance and which you will be responsible for paying out of pocket. You can find out how much you might have to pay in copays and any deductible that must be completed before coverage begins for the services you need by calling the number on your insurance card or logging into your account on the Premera website.

Do Treatment Centers Need to be In-Network? Premera Blue Cross Mental Health

Even though not all Premera insurance plans require that people visit doctors and hospitals in the network, out-of-network care may be more expensive. It is crucial to remember that programs offered outside of the Emblem network have not had their compliance with current medical standards verified.

Each of Premera’s in-network programs is required to adhere to current standards and provide top-notch care. Before you start the program, find out from your insurance company if pre-certification for your substance misuse treatment is necessary. In order to determine whether the intended therapy or program passes Premera’s clinical requirements for coverage, pre-certification involves a review procedure.

Premera Mental Health Coverage & Premera Blue Cross Mental Health

The price of inpatient rehabilitation programs may vary depending on where you live and the coverage your insurance plan provides. Many Premera plans offer 0% coinsurance for in-network inpatient services; insurance coverage begins once your whole deductible has been met. For additional services, some plans may charge a fee at the time of admittance.

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.