Millions of individuals and families across the United States are affected by substance abuse and addiction. While the majority of those who struggle don’t receive care, thousands of people across New England still seek drug rehab each year.
Before entering drug rehab, you’ll need to figure out how you plan to pay for treatment. Blue Cross Blue Shield, a leading health insurance provider, is comprised of many insurance companies with plans that can help pay for drug and alcohol rehab costs.
Recovering Champions is an accredited treatment facility that is in-network with many insurance providers, including BCBS. If you have Blue Cross Blue Shield health insurance, it may be helpful to learn about your available treatment options.
Does Blue Cross Blue Shield Pay For Drug Rehab?
Top health insurance providers like Blue Cross Blue Shield are required to offer coverage for mental health and substance abuse services. This applies to insurance plans within the Affordable Care Act health insurance marketplace.
Blue Cross Blue Shield plans offer mental health and substance abuse benefits that can be used to pay for a range of inpatient and outpatient treatment programs.
Your amount of coverage and other eligibility requirements may vary depending on your insurance policy, state, and the treatment provider.
BCBS New England Insurance Coverage
Blue Cross Blue Shield of Massachusetts is one of many insurance providers that have moved to expand access to affordable, high-quality drug addiction treatment and prevent drug abuse in the wake of the U.S. opioid crisis.
The Blue Cross Blue Shield Association offers two coverage levels and several coverage tiers for people to choose from when purchasing health insurance. This allows individuals to choose an insurance plan that can best meet their needs.
Blue Cross Blue Shield’s two coverage levels include:
- health maintenance organization (HMO) plans: This type of plan requires policyholders to receive care from treatment providers that are in-network with BCBS.
- preferred provider (PPO) plans: This type of plan allows more flexibility with the treatment providers policyholders can receive care from. Out-of-pocket costs and copays may be higher for out-of-network treatment providers, however.
Blue Cross Blue Shield plans are offered in four tiers: Bronze plans, Silver plans, Gold plans, and Platinum plans. The difference between these tier levels extend to monthly premium costs, deductible amounts, and copayment requirements.
Treatment Programs Eligible For Blue Cross Blue Shield Coverage
Blue Cross Blue Shield covers a wide range of drug treatment services. This demonstrates the importance of expanding access to a continuum of care.
Addiction recovery is a lifelong journey, not a race. Learning more about your drug rehab options and how to use insurance to pay for rehab can help you prepare for costs and increase your savings while seeking help for yourself or a loved one.
Does BCBS Pay For Inpatient Rehab?
Inpatient and residential treatment programs offer the highest level of care for people with substance use disorders. This type of live-in treatment program can be crucial in the early stages of recovery to provide 24-hour support, supervision, and structure.
Most Blue Cross Blue Shield policies offer some coverage for inpatient rehab services. You may need to choose a rehab center that is in-network, however. Your health insurance plan may cover full or partial costs of treatment. There may be a limit on how long your insurance will cover inpatient treatment.
Does BCBS Pay For Detox?
Detoxification (detox) is necessary for some people struggling with drug and alcohol addiction. Detox programs are offered on an outpatient and inpatient basis, depending on the type of drug, severity of dependence, and other factors.
Blue Cross Blue Shield does have in-network detox providers, although coverage amounts can vary between plans. In order to use behavioral health benefits for detox, you may need to get proof of medical necessity—also known as precertification. You can get this by visiting a doctor, who can perform an alcohol and drug assessment to determine the need for care.
Does Blue Cross Blue Shield Pay For Outpatient Treatment Services?
Outpatient treatment programs are offered by some New England rehab centers as part of their continuum of care. Outpatient programs and services can help individuals strengthen and maintain their recovery.
Blue Cross Blue Shield may offer full or partial coverage for the following types of outpatient treatment services:
- day treatment (partial hospitalization)
- intensive outpatient programs
- standard outpatient programs
- medication-assisted treatment
- behavioral therapy
- support groups
- psychiatric services
- medical care
What To Know Before Planning To Use Health Insurance For Rehab
If you’re planning to use your health insurance to pay for rehab, there are a few things you need to know.
Here is what you should learn before using your insurance to pay for rehab:
- whether you’re required to meet a deductible to be eligible for coverage
- if you need precertification prior to entering treatment
- your responsibility for copayment/out-of-pocket costs
- which rehab centers accept BCBS
- which types of treatment services your insurance plan covers
How To Check Your Blue Cross Blue Shield Insurance Coverage
If you’re unsure which type of plan you have or how to find behavioral healthcare providers who are in-network, there are several ways you can learn more about your insurance coverage.
First, you can find more information by contacting your insurer directly. You can do this online through a member portal or by phone. You can also check Blue Cross Blue Shield’s Provider Directory for treatment facilities and provider finder for doctors covered under your policy.
Another option for finding in-network treatment centers that accept your insurance plan is by calling a rehab center directly. Many rehab facilities have addiction specialists on staff who can verify your insurance and explain your treatment options based on information provided.
Finding Massachusetts Addiction Treatment Centers That Accept Your Insurance
At Recovering Champions, we understand how stressful it can be to figure out how to pay for rehab. If you’re looking for addiction rehab for yourself or a loved one in Massachusetts, we may be able to help.
Recovering Champions is a leading rehab facility in Cape Cod, Massachusetts that offers a range of treatment programs for substance use disorders and dual diagnosis. Our addiction specialists can help you verify your insurance, explain your treatment options, and help you find a treatment program that best suits your needs.
During the COVID-19 pandemic, our treatment staff have continued to provide high-quality, life-saving care for residents who are struggling with drug and alcohol abuse and those in early recovery. We accept some Blue Cross Blue Shield insurance plans.
Call us today to learn more about Recovering Champions’ treatment programs and to verify your insurance with one of our specialists.