Finding an inpatient rehab center that is in-network with your health insurance policy can be tricky. The insurance companies that drug and alcohol addiction treatment centers work with can vary. Not only this, but each policy is unique with different benefits, deductibles, and co-insurance. Even policies from the same health insurance company can differ. Let’s explore BCBS drug rehab coverage options.
BlueCross BlueShield Coverage for Substance Abuse Treatments
Many people don’t realize BCBS is many separate healthcare providers that collectively form one of the US’s largest health insurance providers. As far as BCBS drug rehab coverage, the plans and coverage options vary tremendously. Most of the time, an insurance plan under BCBS will provide some level of coverage for:
- Drug and alcohol detox
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Outpatient programs
As with most medical conditions, insurance might only cover a portion of the treatment. It’s important to talk with your insurance provider to fully understand what’s covered with your policy and what will be your out-of-pocket expense.
Luckily, BlueCross BlueShield’s network is one of the largest in the nation, meaning you shouldn’t have an issue with finding the right treatment center for your condition.
BCBS Subsidiaries
Blue Cross Blue Shield is one of the largest insurance providers in the country. Because of this, they have a lot of subsidiary carriers. Some of the most popular subsidiaries include:
- Highmark
- CareFirst
- HCSC
- Anthem
How to Verify Coverage
The first step to reap the benefits of your insurance plan is to verify coverage. Contact your insurance provider to help you find treatment facilities in your area that are in-network. Additionally, you can always reach out to our admissions office. Use our insurance verification form to find out if your insurance policy covers drug rehab.
More than that, you want to ask about what’s covered under your policy and for how long will these benefits extend. Sometimes people need to be in a rehab center for 30 days or 90 days. After all, addiction recovery is a long-term process. Some insurance companies will stop covering after a specific period of time. Our admission specialists can help you find out the length of your coverage.
How to Pay for Rehab If My BCBS Plan Doesn’t Cover It
Don’t let your insurance stop you from seeking substance abuse treatment. There’s no better time to seek treatment for drug abuse than today. After all, seeking help for your addiction will be the best investment you’ll ever do for yourself. Your path to recovery can still happen.
At Lighthouse Recovery Institute, we offer various payment plans to help you afford treatment. Other alternatives include seeking out a loan. You can also check if your company’s insurance provides employee assistance programs that could cover drug rehab. You’ll be surprised how many family members and friends are willing to help you pay for your treatment program.
Stop using money or your financial situation as an excuse for seeking drug or alcohol addiction treatment. If you or someone you know is struggling with substance abuse, contact us today to get started. We’ll look at your BCBS insurance policy and verify what’s covered. If you don’t have coverage through your insurance, we’ll work tirelessly to find other alternatives. Our priority is to help you find the help you need to get better.
