What Is Covered by Blue Cross Blue Shield?
Blue Cross Blue Shield covers most medical expenses related to alcohol and drug abuse. These include emergency room visits, hospital stays, doctor’s office visits, prescription drugs, lab tests, mental health care, and other medical services.
Here are the most frequently asked questions we get concerning Blue Cross Blue Shield alcohol and drug rehabilitation coverage:
Does Blue Cross Blue Shield Health Insurance cover inpatient rehab?
Blue Cross Blue Shield does cover inpatient alcohol and drug rehab. In fact, BCBS is one of the largest providers of inpatient rehab in the United States. They offer specialized care for people who have co-occurring disorders like depression, anxiety, bipolar disorder, PTSD, and schizophrenia.
How much do I have to pay for inpatient rehab?
The average cost of an inpatient program is $4,000 per month. This includes lodging, food, and medications. Some programs may be covered under your insurance policy while others require payment up front.
Does Blue Cross Blue Shield cover intensive outpatient rehab?
Yes, Blue Cross Blue Shield insurance coverage does include intensive outpatient alcohol and drug rehab. There are two types of intensive outpatient programs: day treatment and evening treatment.
- Day treatment centers provide patients with 24/7 access to counselors and therapists for drug addiction and alcohol abuse.
- Evening treatment centers typically operate between 6 p.m. and 9 p.m., allowing patients to attend their sessions during regular business hours.
Important Note: Health insurance coverage for medical detox and addiction treatment services may involve both inpatient treatment and outpatient treatment.
Plus, it is likely you’ll need medication assisted treatment to help with drug and alcohol abuse and withdrawal symptoms.
Check with your treatment provider for specific treatment options. But choose the right treatment center and medical professionals that are specifically trained in substance use disorders, specifically alcohol dependence, opioid use disorder, and drug addiction.
Does Blue Cross Blue Shield cover mental health substance abuse treatment?
Yes, Blue cross Blue shield does cover mental health substance abuse treatment. If you suffer from mood disorders, anxiety, stress, or trauma, these conditions can cause problems with your ability to cope with everyday life. A therapist can help you understand how these issues affect your daily functioning so you can develop coping skills to deal with them on your own.
Do I have to pay for outpatient rehab?
Outpatient rehab is less expensive than inpatient rehab. However, it is not always covered by insurance companies. If you choose to go this route, make sure to check with your insurer before making payments on your own.
Is there a deductible associated with my Blue Cross Blue Shield drug rehab coverage?
Yes, there is usually a deductible associated with your Blue Cross Blue Shield insurance plan. This means you must pay some money out of pocket before your insurance kicks in. Your deductible amount depends on your specific coverage.