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Blue Cross Drug Rehab Coverage

Blue Cross drug rehab coverage is designed to help you pay for the cost of outpatient, inpatient or residential alcohol and drug abuse rehabilitation services. Blue Cross Blue Shield (BCBS) also offers coverage for additional outpatient drug rehab services such as counseling, group therapy, support groups, 12-step programs, educational classes, and more.

If you are looking for alcohol or drug rehabilitation this guide will help you navigate through all the different options available to you. You can use our guide to find out what type of rehab works best for you. Here’s what you need to know.


What Is Blue Cross Blue Shield?

Blue Cross Blue Shield Association is an insurance company based in Chicago, Illinois. It provides private health insurance plans for individuals, families, small businesses, large corporations, and government employees. The company was founded in 1929 by Justin Ford Kimball. Today, the company has over 1 million members and operates in 45 states.

Learn more about the history of BlueCross BlueShield.

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.

How Does Blue Cross Work?

The Blue Cross program offers a variety of plans that provide various levels of healthcare coverage. Members choose from four main categories: Bronze, Silver, Gold, and Platinum. These plans offer varying degrees of coverage, ranging from basic to comprehensive. Costs follow each plan.

There are four major types of BCBS drug rehab plans:

  • Bronze Plan – This plan includes basic medical benefits such as hospitalization, physician visits, emergency care, lab tests, X-rays, etc. The plan covers approximately 60% of your total bill.
  • Silver Plan – This plan includes additional medical benefits like prescription drugs, dental, vision, hearing aids, etc. The plan covers approximately 70% of your total bill.
  • Gold Plan – This plan includes even more drug and alcohol addiction treatment benefits than the silver plan. The plan covers approximately 80% of your total bill.
  • Platinum Plan – This plan includes the highest level of drug and alcohol addiction and medical benefits. The plan covers approximately 90% of your total bill.

You may be able to get a discount on your BCBS premiums if you enroll in a high deductible plan. Check with your agent for details.

Blue Cross Blue Shield Insurance For Addiction Treatment

Blue Cross Blue Shield (BCBS) covers both short term and long term rehab centers. If you are looking for a facility that accepts BCBS, it’s best to check with the addiction treatment facility directly. They may take BCBS insurance plans which are not listed on the BCBS’s list of approved facilities.

BCBS Alcohol and Drug Rehab Plans

Because Blue Cross Blue Shield operates in different states (with different insurance laws), as independent subsidiaries, it’s best to check with your local insurance provider to determine what’s covered under your policy.

We recommend contacting Continuum Recovery Center first to see how we can help you get the substance abuse treatment help you need. We specialize in a hybrid medical assisted holistic approach to addiction treatment. This substance abuse approach has proven itself to be the most effective alcohol and drug rehab treatment available.

There are three major types of health insurance plans:

  • A health maintenance organization (HMO) typically has lower monthly premiums than traditional insurance plans, but requires members to use a certain group of doctors, hospitals, and clinics for their care. In-network providers cover your care.
  • In a preferred provider organization (PPO), you get access to doctors who are both within network and outside network. You pay for these services at a higher rate per month compared to health maintenance organizations (HMOs).
  • Health savings account (HSA) plans work alongside your insurance company. It lets you make tax-deductible contributions and withdrawals from an account set up specifically for medical purposes.

Bottom Line

Insurance is an important part of the recovery process. It can be challenging to find affordable coverage when you are in active addiction. The good news with drug or alcohol addiction is that there are options out there for those who need help. If you or someone you love needs drug and alcohol rehab coverage, call us today. We can provide information on how to get the care you need without breaking the bank.

Call Continuum Recovery Center so you can get the help you need.


Frequently Asked Questions About BCBS

Can I get free drug rehab if I am uninsured?

Yes! There are several organizations that provide free drug rehab services. For example, SAMHSA offers a number of programs that are completely free of charge. Other organizations like Narconon also offer free drug rehab.

Are there any limitations to my Blue Cross Blue Shield insurance coverage?

Yes, Blue Cross Blue Shield insurance policies often contain certain limitations. For instance, they may only cover part of the costs associated with a particular type of treatment or service. Make sure to read your policy carefully before signing anything.

How Can I Pay the Costs Not Covered By My Insurance Plan?

If you have no insurance, you will likely need to pay cash for all or some of your treatment. However, this could pose problems. Some people do not want others to know they are going through drug rehab because they fear judgment or rejection. So asking friends and family for help may not work for everyone. Others worry about being able to afford the cost of treatment. 

However, there are ways around this problem:

  • First, you should consider using a private loan instead of paying out of pocket. Private loans are usually offered by banks, credit unions, and other financial institutions. They allow you to borrow money for short periods of time. These loans are generally more expensive than public loans. However, they come with fewer restrictions and are easier to obtain.
  • Second, you might qualify for government assistance. Many states offer Medicaid, which provides low income individuals with healthcare benefits. This program covers substance abuse treatment as well as mental health issues. To apply for Medicaid, visit your local social services office.
  • Third, you might be eligible for federal aid. The Substance Abuse and Mental Health Services Administration (SAMHSA) has a variety of resources available to assist you. Visit their website for more information.
  • Fourth, you might be able to work with your employer. Your employer may be willing to contribute towards your treatment. You should check with your human resource department for details.
  • Finally, you might be able access funding through your church or religious organization. Churches and religious groups frequently support various causes. In the case of drug rehab, these funds may be used to offset the costs of treatment.

Does secondary Medicaid cover the deductible cost of a primary insurance plan?

Secondary Medicaid does not cover the deductible amount on a primary insurance plan.

How to choose health insurance for drug and alcohol rehab?

Choosing the right health insurance can be difficult. It’s important to understand what types of coverage are available so that you can make an informed decision. Here are some things to keep in mind when choosing health insurance for drug and alcoholism rehabilitation:

  1. Determine if you have prescription drug coverage under your current insurance plan. If you do not, you must find another form of coverage.
  2. Find out how much your treatment facility charges. This will give you an idea of whether you can afford the full price of treatment.
  3. Consider your own personal situation. Do you have children? Are you married? What kind of job do you hold? How old are you? All of these factors influence your ability to pay for treatment and what insurance you’ll need.
  4. Check with your doctor or therapist to see if he/she recommends a specific type of insurance. If so, ask them why. Even better call us and we will be happy to assist.
  5. Be sure to read the fine print before signing anything. Insurance companies often add additional fees and conditions after the fact. Ask yourself if this is something you want to risk.
  6. Finally, don’t forget to shop around! There are plenty of different options out there. Compare plans side-by-side and get multiple quotes.

Outpatient Drug Rehab in Denver

Our outpatient drug and alcohol rehab facility helps individuals recover from the devastating consequences of addiction. With holistic programming, EMDR Therapy, DUI programs and more, individuals can create a new life of opportunity and find a life of freedom.

If you have additional questions about Blue Cross drug rehab coverage, contact us and one of our team members will gladly help. For more information regarding our outpatient drug and alcohol rehab services in Denver, Colorado, Call Us Today. We look forward to discussing the best option for you or a loved one.

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