Insurance provider Blue Cross Blue Shield offers insurance to cover a wide range of health treatments. Many people want to know, does Blue Cross Blue Shield pay for drug rehab? The plan you have might cover substance use disorder or mental health treatments. With Blue Cross Blue Shield (BCBS) coverage, you can find comprehensive treatment to improve your overall well-being. If you are looking at a specific addiction center, you can make the call to determine if Blue Cross Blue Shield addiction treatment coverage is available.
Policyholders may contact Blue Cross Blue Shield to see which types of addiction rehab services their insurance plans will cover. Blue Cross Blue Shield also offers an FEP, or a federal employee program, that covers over five million employees who work for the federal government, retirees of the federal government, and their family members.
Rehab Coverage with Blue Cross Blue Shield
Many people are worried that their insurance company will not pay for addiction rehab. You should know that many plans do offer coverage for addiction rehab and mental health treatment. There is Blue Cross Blue Shield rehab coverage as well. There are many state-based BCBS companies, so your individual plan may depend on where you live. You may have to attend a rehab center in the Blue Cross Blue Shield rehab network if you want your treatments to be covered.
Blue Cross Blue Shield rehab insurance is available and the company offers a variety of policies. The Affordable Care Act (ACA) marketplace helps people find the coverage they need for addiction or mental health issues. Marketplace plans are required to provide the coverage needed for such essential health services.
Mental Health Coverage and Blue Cross Blue Shield
You may also have some Blue Cross Blue Shield mental health coverage. Several plans cover this type of treatment. If you purchase a BCBS plan through the ACA marketplace, you will have Blue Cross Blue Shield mental health insurance. The law states that the plans should cover both outpatient and inpatient treatment for mental health. This includes substance use disorder disorders. The law also states that there can be no limits on health benefits in marketplace plans.
In addition, the BCBS plans sold on the ACA marketplace must include benefits similar to other services. If you are not paying for your BCBS plan and your place of employment is paying for it, your plan may not cover mental health services, although many plans do cover these services. You may want to contact an addiction rehab center or mental health provider to determine if your insurance provider will cover services.
You may be able to see a psychiatrist, psychologist, social worker, or other mental health professional under your health insurance plan. Generally, you will need pre-authorization to utilize these services. Blue Cross Blue Shield policyholders are also generally required to use preferred providers.
Behavioral Health Coverage and Blue Cross Blue Shield
Many people believe that behavioral health and mental health are the same thing. But there are differences when it comes to the treatment of these separate health issues. The majority of time, Blue Cross Blue Shield will require a copay for behavioral health treatments. This may vary based on the facility where you find treatment and other factors as well. Many employer-sponsored programs will offer behavioral health treatments through their insurance plans. This might include tobacco cessation and weight management services.
Our insurance verification team works quickly to verify your insurance benefits to place you into one of our centers as soon as possible. Because of our industry expertise we will be able to verify this information in a timely manner and can advocate for more coverage or more time in treatment. We strive to do this as quick as possible while also maximizing your coverage. Our insurance verification process is of no cost to you and there are absolutely no obligations.
Expectations with Drug Rehab and Blue Cross Blue Shield
If you have a Blue Cross Blue Shield insurance plan and you are looking for rehab assistance, you may feel overwhelmed. There are some things that may help you to progress through this process easier.
One of the first things you can do is to call the addiction rehab center. They can look up your insurance information to determine if your insurance will cover your treatments. You can also call your insurance provider to ask which addiction rehab, mental health, or behavioral health services it covers. Most of the time you will have coverage for addiction rehab through BCBS. It is always best to check to see if you do have such coverage before attending any treatment programs, whether they are outpatient, partial hospitalization program (PHP) or inpatient treatments.
Do you have an addiction? Do you have an insurance plan through Blue Cross Blue Shield? Make the call today to see if your addiction rehab treatment will be covered. You may be surprised at how much your insurance will cover. An addiction to drugs or alcohol is a disease. Most insurance companies want to see you get better. They want to see you improve your health. Call today to find out more about BCBS and addiction rehab treatments.
Sunshine Behavioral Health strives to help people who are facing substance abuse, addiction, mental health disorders, or a combination of these conditions. It does this by providing compassionate care and evidence-based content that addresses health, treatment, and recovery.
Licensed medical professionals review material we publish on our site. The material is not a substitute for qualified medical diagnoses, treatment, or advice. It should not be used to replace the suggestions of your personal physician or other health care professionals.