What Is Blue Cross Blue Shield Rehab Coverage?
Blue Cross Blue Shield rehab coverage is a type of health insurance that helps pay for treatment related to substance abuse or mental health issues. You’re probably aware that individual and family plans cover certain services, like visits to your primary care physician and some preventive care. However, BCBS insurance also has to provide additional benefits for other types of care.
Under the Affordable Care Act, insurance carriers must include insurance coverage for necessary health care services, which means addiction and mental health issues. Individuals with a Blue Cross Blue Shield (BCBS) insurance plan can access rehab and behavioral therapy with lower out-of-pocket costs. Coverage details will vary by plan, so you must check your policy and talk to a Blue Cross Blue Shield insurance representative to confirm which services are covered (the phone number should be on the back of your BCBS insurance card).
You can also call our treatment facility to see if your Blue Cross Blue Shield covers our services. This financial support allows many people to get the care they need and focus on recovery without worrying as much about the financial burden.
Finding a Facility That Accepts Blue Cross Blue Shield Rehab Coverage
When you’re looking for a treatment facility that accepts Blue Cross Blue Shield rehab coverage, the first step is to verify your BCBS insurance plan details. You can do this by calling your insurance provider or visiting their website to see which insurance providers are in-network. It’s also helpful to contact facilities directly and ask if they accept your insurance plan.
At Woburn Addiction Treatment, we accept all major health insurance, including Blue Cross Blue Shield, which makes it easier for you or a loved one to get started in recovery. Simply give us a call, and our admissions team will help you confirm coverage and explore your options for addiction treatment services.
Receive a Personalized Aftercare Plan
Woburn Addiction Treatment is a leader in the addiction treatment field, with proven success in facilitating long-term recovery. Our team of top clinical & medical experts specializes in treating addiction coupled with mental illness, ensuring that each person receives individualized care. Call us – we’re available 24/day, 7 days/week.
Types of Mental Health and Addiction Treatment Covered by Blue Cross Blue Shield Rehab Coverage
There are many different types of care for mental health and addiction, and finding the right one can make a huge difference in a person’s recovery journey. Below are some treatment options often covered by Blue Cross Blue Shield:
Medical Detox
Medical detox is usually the first stage for those struggling with substance abuse. Healthcare providers help individuals get off of drugs and alcohol by monitoring them and providing medication-assisted treatment when needed. Prescription drugs and other medications can help reduce the severity of withdrawal symptoms and also help patients with any mental health symptoms they might be experiencing, like depression and anxiety.
Medical staff ensure patients stay safe if they experience difficult or dangerous symptoms. The length of time your insurance will cover you in a detox facility depends on your insurance plan and the staff’s assessment of your condition and needs.
Inpatient Mental Health Treatment and Addiction Services
In inpatient treatment, patients live at a treatment center to get full-time care and support. This level of care is important for people who need a safe environment where they can focus on recovery without the triggers and distractions that they usually experience in their lives. It’s also helpful to be in the substance-free environment of a residential treatment center so there’s less temptation to use drugs or drink. Patients primarily participate in individual and group therapy, family counseling, and education sessions about drugs and alcohol.
In many cases, BCBS covers some or all of inpatient treatment, depending on your copays and deductibles. While your primary counselor will try to get the insurance company to approve as much time in residential treatment as possible, it’s ultimately up to the insurance provider how many days they will cover.
Partial Hospitalization Program (PHP)
PHPs provide a high amount of support but let patients return home or to a sober living residence after treatment each day. People who attend a PHP will participate in the same type of programming as they would if they were in a residential facility.
This type of care is suitable for people who need significant help but have solid support groups to turn to and some stability in their living situation. Patients can also step down to a PHP from inpatient rehab or step up from outpatient if they need more help. Again, the insurance company will decide how long they will cover your treatment based on your needs and your progress, which is relayed by your therapist most of the time.
Intensive Outpatient Drug and Alcohol Rehab
Intensive outpatient programs (IOP) offer treatment for several each week, usually three days per week. IOPs are less intensive than partial outpatient programs, but patients still receive a significant amount of therapy. Common program elements include one-on-one therapy, group counseling, and educational sessions related to recovery. This option helps people continue living at home, working, or caring for loved ones while still making progress in their sobriety. Insurance often covers these programs.
Standard Outpatient Rehab
Standard outpatient treatment involves fewer weekly therapy sessions than more intense programs. Individuals who have supportive home environments and less severe addiction or mental health symptoms might find this option best. Alternatively, anyone who has completed a higher level of care should consider stepping down to continue their treatment.
Patients usually attend weekly group sessions and individual therapy sessions to work on dealing with their triggers and preventing relapse. Because these sessions are much less often and don’t cost as much, your BCBS coverage may pay for months of treatment.
Dual Diagnosis Treatment
Dual diagnosis treatment is for people who have co-occurring disorders, which means a mental illness (like depression, anxiety, or other mental health conditions) and a substance use disorder. This type of care treats both concerns simultaneously, which is important because one condition can make the other worse if left untreated. Most treatment facilities offer dual diagnosis disorder treatment, whether inpatient or outpatient, so Blue Cross Blue Shield rehab coverage should help you pay for this care.
Individual Therapy Sessions
Individual therapy gives people a safe, confidential space to explore why they started using substances or developed certain habits. If you can find a therapist who accepts insurance, you’ll likely get at least some of it paid for by Blue Cross Blue Shield.
Many Blue Cross Blue Shield plans cover most of these treatment options, but it’s still best to check the details of your specific coverage and policy. If you need help deciding which program is right for you, contact Woburn Addiction Treatment so we can guide you through the insurance verification process and help you create a treatment plan.
What Will Treatment Cost With Blue Cross Blue Shield Rehab Coverage?
When evaluating the cost of drug and alcohol rehab with Blue Cross Blue Shield, it’s important to know that each individual’s insurance plan can differ. Some BCBS plans might cover a significant portion of doctor visits or behavioral health services, including detox, inpatient, and outpatient services, especially if it’s considered in-network. Others may require you to pay higher out-of-pocket expenses – for example, if you choose an out-of-network facility or have a high deductible.
It’s difficult to say exactly what your out-of-pocket expenses will be without knowing the details of your plan or what healthcare provider you’re using. The best thing you can do is to contact your insurance company or call our admissions team today.
Contact Woburn Addiction Recovery to Learn More About Our Blue Cross Blue Shield Rehab Coverage
At Woburn Addiction Recovery, we know how scary it can feel to struggle with drugs or alcohol and not know where to turn. Choosing healthcare providers for addiction and mental healthcare services that can give you the help you need at an affordable price can be difficult. Our caring staff is committed to helping you understand how your Blue Cross Blue Shield insurance plan can help cover the cost of treatment. We’ll guide you every step of the way, from checking your benefits to matching you with the right level of care. You don’t have to do this alone. Contact us today by calling (781) 622-9190 or completing our online contact form to get more information about your Blue Cross Blue Shield rehab coverage.
