If you or someone you love is looking for a rehab that takes Blue Cross Blue Shield insurance, contact us today at 252-715-3905 to have our team run a confidential, no-cost verification of your benefits, or click here to complete our insurance form so you can get help today.
Drug Rehab: What Will Health Insurance Providers Cover?
Seeking help for your drug or alcohol addiction isn’t an easy decision. Like many people seeking treatment, you’re probably worried about the cost and want to know if your addiction treatment coverage by your health insurance provider.
While not all health insurance companies cover treatment the same way, the Affordable Care Act legislation made it so that workplace and marketplace North Carolina insurance policies have to partially cover the cost of mental health treatment, including drug and alcohol addiction treatment services. This means your Blue Cross Blue Shield of North Carolina, or any other BCBS provider, insurance should cover portions of treatment.
Have Blue Cross Blue Shield Insurance?
Call us now at 252-715-3905 or click the “Get Started” button below. Our team will do the necessary research to run a no-cost, confidential approval of your specific policy so you can start treatment today.
Does Blue Cross Blue Shield Cover Drug Rehab?
Whether Blue Cross Blue Shield will cover drug and alcohol rehab depends on the type of plan you have. Drug and alcohol rehab may also be covered differently under your health insurance plan.
Addiction Treatment that Blue Cross Blue Shield Covers
Medical detox. Coming off certain substances such as alcohol, benzodiazepines, and opioids can be uncomfortable and, in some cases, even dangerous. Medical professionals can monitor you during the process and even help minimize some withdrawal symptoms with the aid of medication.
Long-term treatment. Residential care in a treatment facility can last between 30 and 90 days. Patients receiving substance abuse treatment in the facility benefit from daily therapies and medical monitoring.
Partial hospitalization programs. Day programs offer the opportunity to attend full days at the center, consisting of group and individual therapy sessions for drug addiction while going home to sleep in the evening.
Outpatient services and intensive outpatient program. Outpatient programs are offered as a step-down, usually after receiving inpatient treatment. They allow clients to continue their recovery journey in a less restrictive setting. Clients generally spend about 10 to 12 hours each week at the rehab facility.
Types of BCBS Plans Available for Addiction Treatment Coverage
Exactly how much health insurance providers will cover for your addiction treatment depends on your individual plan. Millions of federal employees, seniors, and their family members are covered by the Federal Employee Program.
Blue Cross Blue Shield separates its individual and family insurance plans into four levels ranging from bronze to platinum, each with different deductibles and out-of-pocket expense expectations. Get in touch with your insurance carrier directly to confirm coverage levels.
Bronze: This is the most affordable Blue Cross Blue Shield insurance plan available, but it comes with the highest deductibles. It usually only covers about 60% of the cost of drug rehab.
Silver: This offers mid-range rates with lower deductibles than the bronze plan. With this plan, about 70% of your treatment would be paid for.
Gold: This plan comes with a higher monthly payment but can cover around 80% of your substance use treatment.
Platinum: These insurance plans have the lowest possible deductibles and the highest monthly payment. They can help pay for around 90% of the medical costs for rehab.
We Accept Your Insurance
If you or a loved one are ready for rehabilitation from Drugs or Alcohol — Call Us today or click “Get Started” below. Changing Tides is ready to help!
Verifying If Your Blue Cross Blue Shield Insurance Covers Rehab
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 alcohol rehab 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 Blue Shield drug rehab coverage also offers its 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 someone 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
Will BCBS of North Carolina Pay for All of My Substance Abuse or Mental Health Treatment?
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 rehab 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.
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 how much of your care is covered by Blue Cross 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 is worse. Changing Tides can help.