Finding a Drug Rehab That Accepts Blue Cross Blue Shield Insurance

The Substance Abuse and Mental Health Services Administration estimates less than 10% of the nearly two million Americans who require addiction treatment, ever actually receive it. Access to quality programs is a major obstacle for those with substance use disorder (SUD). Millions of SUD patients are regularly shut out of treatment, whether it is because of financial constraints, inability to find treatment facilities that meet their needs, or a lack of options locally.

Stakeholders have used a variety of mechanisms to address this lack of access. One is health insurance coverage for addiction treatment. Blue Cross Blue Shield, among others, has been offering coverage to increasing numbers of patients who are seeking treatment for their SUD.

Find a rehab that accepts Blue Cross Blue Shield Insurance

The recent healthcare legislation makes it easier to find treatment for addiction that accepts Blue Cross Blue Shield. However, not all insurance plans are equal and coverage is not guaranteed. You should also know that plans can vary from one state to the next. It is a good idea to contact the facilities that you are interested in to find out if they will accept your plan when evaluating your options for health insurance. These questions will be answered by the intake or admission team at the treatment center. You should be aware that certain plans may require you to pay substantial out-of-pocket costs.

Understanding the Blue Cross Blue Shield  Insurance Service Model

Blue Cross Blue Shield, which includes 36 independent companies and licensed agents serving all 50 states, is one of America’s largest insurance providers.

Blue Cross Blue Shield offers three to four levels of plans depending on where the potential patient lives: Bronze, Silver, Gold and Platinum.  

• Bronze Plans 60 percent coverage (approximately), lowest month payment, highest deductible 
• Silver plans 70% coverage (approximately), 2nd-lowest monthly premiums, 2nd-highest deductible.  
• Gold Plans 80 percent coverage (approximately), 3rd-lowest monthly premiums, 3rd-highest deductible.  
• Platinum (not in all states) – 90% coverage, highest monthly premiums and lowest deductible.  

Blue Cross Blue Shield’s website allows patients to check their coverage. Details such as prescription drug benefits and a list with providers in a particular area can be accessed once the company has been located in the directory. The cost estimator can always be accessed by members.

Different types of treatment coverage

While it may seem simple to locate treatment that accepts Blue Cross Blue Shield Insurance, the details will differ from one plan to another. Most plans will cover medically supervised detoxification and withdrawal management if the patient is found to need it. However, it might be more expensive or difficult to get residential care under lower-tier plans. Patients are often required to seek outpatient care by many insurance companies as their first treatment option. The scope of treatment will depend on the plan type. Patients with HMO (Health Maintenance Organizations) plans will be subject to more restrictions, while patients with PPO plans (Preferred Provider Organizations) will have greater choice. In general, patients covered by Blue Cross Blue Shield Insurance should be able access some level or treatment. However, they might only have part of the treatment covered depending on the employer-based insurance plan.

The most important thing to do if you or someone you love is suffering from SUD is to seek treatment immediately. Finding a drug rehab that accepts Blue Cross Blue Shield insurance can be done by visiting their website and looking for providers in your local area. There have been many treatment centers opening in response to the recent opioid overdose epidemic. However, it is important to choose a center that suits your needs and your lifestyle. Do not let insurance hurdles stop you or your loved one from getting the treatment they need.

Avoid further complications in health or lifestyle and contact us today. We are here to help you throughout your road to recovery and want to see you living your best possible life.