Blue Cross Blue Shield Drug Rehab
The answer is yes. Blue Cross Blue Shield or BCBS will cover drug rehab, substance abuse, and residential treatment facilities. However, Blue Cross Blue Shield coverage varies from state to state. For example, BCBS of Texas and BCBS of North Carolina will cover different facilities then Blue Cross Blue Shield of Florida or Blue Shield of California. Partly this has to do with how Blue Cross Blue Shield will reimburse providers depending on if they are an in-network drug rehab or an out of network drug rehab.
What Drug Rehabs Take Blue Cross?
Blue Cross Blue Shield is accepted by drug rehabs and substance abuse treatment facilities across the US.
You can use our online tool to find out what top-rated Drug Rehabs take Blue Cross Blue Shied.
This depends on many factors such as your deductible, out of pocket max, co-pays and other factors.
There isn’t an insurance carrier that is best for any addiction treatment. Even with BCBS it depends on state to state and policy to policy.
Some treatment centers report working well with Blue Cross Blue Shield of Texas, Blue Cross Blue Shield of Illinois, BCBS of North Carolina, Horizons Blue Cross Blue Shield of New Jersey and many others.
BCBS Frequently Asked Questions
- What is BCBSA?
- What is the difference between in-network and out of network BCBS Drug Rehabs?
- Will BCBS pay for drug detox?
- Do I have an out of pocket for BCBS Rehab?
- What kind of addictions will Blue Cross Cover?
Health Insurance and Substance Abuse
Insurance carriers started covering mental health and substance abuse partly due to the Mental Health Parity Act of 1996. This act required that the same lifetime dollar limits for medical and surgical benefits be applied for mental health.
The Affordable Care Act or the Patient Protection and Affordable Care Act (also known as Obamacare) provided more legislation for insurance carriers such as Blue Cross Blue Shield to cover substance abuse. Substance abuse was one of the ten essential health benefits including drug rehab for addiction.
In addition, the affordable care act had a provision in it for parents to keep their children on their health insurance policies until they turned 26. Finally, the affordable care act provided that all insured get charged the same rate regardless of pre-existing conditions such as substance abuse, drug rehab, mental health and other behavioral health conditions.
BCBSA is a health insurance network comprised of 26 separate health insurance companies. BCBS provides health insurance to more than 106 million people in the US. Blue Cross is usually grouped into geographically focused insurance companies such as BCBS North Carolina, BCBS Illinois, BCBS Texas, Horizons BCBS New Jersey etc. Each company is a licensee and operates independently of each other. In addition, they are the administrator of Federal Employees Health Benefits Program.
Does insurance cover Substance Abuse Treatment facilities?
Blue Cross Blue Shield or BCBS will cover substance abuse. However, it depends on policy type to policy type and state to state. We recommend contacting one of our professionals to find out what your BCBS or Blue Cross Blue Shield policy will cover for substance abuse treatment, residential treatment, or drug rehab.
In-Network substance abuse treatment centers that take Blue Cross Blue Shield are usually treatment centers that have contracted to go in-network with blue cross blue shield. If you have a HMO policy this means you need to stay within your provider network. Blue Cross Blue Shield has extensive in-network options, but they range in quality from state to state.
Out of Network Drug Rehab or Substance Abuse treatment centers for Blue Cross Blue Shield are usually more luxury and higher-end facilities. These tend to be more expensive options but in many cases depending on the state blue cross blue shield provides coverage the treatment options can vary.
Do I need a PPO or HMO to get into a drug rehab?
Both PPO and HMO BCBS plans provide for substance abuse benefits.
Yes, Detox is usually considered a medical necessity. The options for where you can go to detox will depend on the blue cross blue shield policy and in network or out of network options you have available to you.
Does my Blue Cross Pay for outpatient drug rehab?
In most cases, the answer is yes. Depending on the severity of the addiction or alcoholism outpatient drug rehab may be a viable option.
Medically Assisted Treatment or MAT Drug Rehab is becoming increasingly popular as more and more data shows that it is effective. In selecting any drug rehab center always ask about evidence-based treatment and outcomes based treatment the center provides. Also with any drug rehab center, you are considering using with your insurance be sure to ask about accreditations such as Joint Commission and client to staff ratios.
BCBS Saved Me
Insurance companies get a bad rep, but BCBS covered me for rehab and now I have 28 months sober!