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Alcohol And Drug Rehabs That Accept Blue Cross Blue Shield Insurance

Isaac Alexis, M.D., AAMA, AMP-BC

Medically reviewed by

Isaac Alexis, M.D., AAMA, AMP-BC

April 8, 2019

Using your Blue Cross Blue Shield insurance to help pay for a drug or alcohol rehab program can ease the financial stress of treatment. Understanding your plan is important before entering a treatment program and can prevent unwanted costs.

One of the main concerns for people considering alcohol and drug treatment is the overall cost. Several insurance companies like Blue Cross Blue Shield provide some level of coverage for addiction treatment.

Blue Cross Blue Shield offers coverage throughout all 50 states. They offer both private and employer-based insurance programs. Several healthcare providers, hospitals, and rehab facilities work directly with Blue Cross Blue Shield to provide treatment services.

While Blue Cross Blue Shield typically offers some form of addiction treatment coverage for most plans, coverage will vary based on your individual plan. Understanding your Blue Cross Blue Shield plan is an important step in preparing for addiction treatment.

Does Blue Cross Blue Shield Offer Addiction Treatment Coverage?

Blue Cross Blue Shield insurance plans are offered in different tiers. While the available tiers will vary from state to state, common tiers include bronze, silver, gold, and platinum. The copays and deductibles required with each plan will depend on the tier. This means that the amount you will be required to pay for addiction treatment will depend on which tier your plan is in.

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According to the Affordable Care Act, insurance companies are required to provide some form of coverage for essential healthcare services. This includes alcohol and drug addiction treatment programs and services.

You can learn about your exact coverage options for addiction treatment and what you will be required to pay by speaking with a Blue Cross Blue Shield representative.

Drug And Alcohol Rehab Programs Covered By Blue Cross Blue Shield

Blue Cross Blue Shield typically covers a wide array of addiction treatment services. Some plans may require a medical assessment to be done prior to offering treatment coverage. For example, an assessment may need to be performed before Blue Cross Blue Shield will cover a detox program.

Common drug and alcohol addiction treatment services covered by Blue Cross Blue Shield include:

  • medically supervised detox programs
  • interventions
  • mental health treatment programs
  • dual diagnosis treatment
  • individual, group, and family therapy
  • drug tests

Blue Cross Blue Shield also typically provides coverage for a variety of more intensive treatment services. Exact coverage for these types of programs will vary from plan to plan.

Outpatient Treatment

Outpatient treatment programs are typically the first form of treatment suggested for individuals struggling with drug and alcohol addiction. Outpatient programs are less intensive than other treatment options such as inpatient treatment.

There are a few different types of outpatient treatment for addiction. These include intensive outpatient programs (IOP), partial hospitalization programs (PHP), and standard outpatient programs.

PHP is the most intensive form of outpatient treatment. These programs require patients to attend treatment several days a week for several hours each day. IOP requires individuals to participate in the program two to three days a week. Standard outpatient treatment is the least intensive outpatient program and consists of therapy once or twice a week.

Most Blue Cross Blue Shield plans cover these various forms of outpatient treatment. Plans may also cover counseling, psychiatric care, and different types of therapy. The exact amount of coverage offered will depend on the plan.

Inpatient Treatment

Inpatient programs are the most intensive form of addiction treatment. Blue Cross Blue Shield will often provide coverage for inpatient treatment if a medical assessment deems it necessary. Coverage offered for inpatient programs will vary from plan to plan.

This form of treatment requires individuals to stay at the rehab facility for several days or weeks. A typical stay is between 30 to 60 days, but the exact amount of time someone will spend in inpatient treatment will depend on his or her condition and Blue Cross Blue Shield plan. Some plans will cover an unlimited number of days, whereas others will only cover a set amount of days.

Inpatient programs consist of a number of different types of treatment. These may include medication-assisted treatment (MAT), a variety of therapies, detoxification, and individual and group counseling.

Not every inpatient rehab center accepts Blue Cross Blue Shield. Calling ahead to ensure a facility accepts Blue Cross Blue Shield is important to prevent unwanted fees.

How To Use Your Blue Cross Blue Shield Plan To Cover Addiction Treatment

Fully understanding your Blue Cross Blue Shield plan is an important step in determining the type of treatment you will pursue. There are several factors to consider before attending a rehab program.

Speaking with a treatment specialist can provide insight into the type of coverage your plan offers. Additionally, a representative can help you determine which treatment programs accept Blue Cross Blue Shield.

Questions To Consider Before Using Your Blue Cross Blue Shield Insurance For Treatment

Seeking help for a drug or alcohol addiction is the best decision you can make. However, there are several questions that people often ask before going into a treatment program.

Asking your Blue Cross Blue Shield representative the right questions can ensure you fully understand your treatment options and costs.

Questions you should ask your representative include:

  • Is a medical assessment needed before Blue Cross Blue Shield will cover certain treatments?
  • Does my plan offer coverage for a medically monitored detox program?
  • What types of outpatient treatment are covered under my plan?
  • Is inpatient programs covered under my plan? If so, what length of time is covered?
  • What will my out-of-pocket fees be?
  • Does my Blue Cross Blue Shield plan cover any medications that may be needed during a detox program and treatment?
  • Is there any insurance-related paperwork that needs to be submitted before attending treatment?

Finding A Rehab Program That Accepts Blue Cross Blue Shield

Using your Blue Cross Blue Shield insurance for addiction treatment can help lower or eliminate the cost of treatment. Ensuring your treatment is covered can significantly reduce the stress associated with paying for addiction treatment.

To learn more about your treatment options and the programs and facilities covered by your insurance, contact a treatment specialist today.

* Disclaimer: is not affiliated with or endorsed by BlueCross BlueShield. Details about BlueCross BlueShield’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered.

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