Verifying If Your Blue Cross Blue Shield Insurance Covers a Rehab Center
In most cases, you’ll have to pay out of pocket for a portion of your rehab care. The actual rates depend on whether your rehab center is on the list of in-network providers. Seeking treatment from an in-network provider means the insurance company covers more of the bill and your costs are minimal.
Costs can also vary based on your individual insurance coverage and the deductibles you’ve already paid. You can check your Blue Cross Blue Shield insurance benefits by getting in touch with your plan administrator.
Blue Cross & Blue Shield’s Treatment Plan for Recovery?
A treatment plan is a document created by the rehab center with input from the client to ensure the treatment provided matches their goals. Blue Cross and Blue Shield also offers their own versions of treatment plans that a recovery center, like Changing Tides, can work with. Treatment plans show an individualized road map to recovery for each person seeking addiction treatment services. Plans are goal-oriented and time-sensitive and represent the agreement made between the addiction treatment center and the client.
Following an initial assessment of a substance use disorder, the treatment provider creates a tailored plan to include:
- Details of how addiction issues are currently affecting the client’s life, such as problems in the workplace or at home
- List of specific issues caused by substance addiction
- Long- and short-term goals of treatment
- Treatment objectives, including attending individual and family counseling, taking prescribed medication and joining a program such as AA
- Methods of tracking progress, including notes and written testimony from the client
- A plan by the treatment provider to help avoid relapsing in the long run
Is Addiction Considered a Preexisting Condition?
In the past, substance abuse disorders were considered a preexisting condition, and finding individual coverage was more difficult. However, due to the Affordable Care Act, drug and alcohol addiction are no longer treated as preexisting conditions. That means you shouldn’t be denied coverage because of your addiction.
When BCBS Won’t Fully Cover the Cost of Alcohol and Drug Rehab
When struggling with mental health conditions such as a substance use disorder, money shouldn’t get in the way of pursuing a healthy lifestyle. While Blue Cross Blue Shield insurance coverage only partly pays for your recovery services, there are financial avenues you can explore to help pay the out-of-pocket portion of your drug abuse treatment.
First, you can call Changing Tides to discuss your individual circumstances and get a full picture of your insurance coverage. Changing Tides will help you understand exactly how much of your care is covered by Blue Cross and Blue Shield insurance benefits vs. out-of-pocket expenses.
You can also put some of the cost on a credit card or try to get a medical loan. Additionally, if your family members are involved in your recovery, they might be willing to help lend you some money towards the cost of your treatment facility.
No matter the will, there is a way. Recovery can be costly, but the cost of not seeking treatment can be worse. Changing Tides is here to help.