Rehab Centers That Accept BCBS Insurance In California
Medically reviewed byDebra Wallace, MA.Ed, LPCC-S, LICDC-CS
March 11, 2019
Treating an addiction to drugs or alcohol requires an effective insurance policy. In California, Blue Cross Blue Shield offers coverage for substance abuse and mental health disorders through Blue of California. The policies help individuals identify the right treatment facilities to address personal goals and focus on long-term recovery solutions.
Blue of California Coverage Options
Blue of California offers several treatment programs to address healthcare needs and goals. The policies allow individuals to seek treatment in a substance abuse program, but the details of the coverage depend on the specific program.
The Blue Cross Blue Shield policies available in California range from a minimum coverage Bronze policy to a Platinum policy that covers most costs associated with treatment and health. Platinum and Gold policies have a higher monthly cost when compared to Bronze or Silver policies, but they offer a lower out-of-pocket cost with a low deductible. Bronze policies usually have the highest deductibles and the highest out-of-pocket costs. Silver policies in California are moderate options that pay for most costs and have a moderate out-of-pocket and monthly expense.
Most policies through Blue Cross Blue Shield offer coverage for substance abuse and mental health disorders. The exact costs of treatment and any exceptions in the policy depend on the details of the plan. Some policies cover most of the costs while other options only cover about 50 to 60 percent of the costs.
A policy through Blue of California offers the chance to start identifying the best treatment facility for long-term recovery goals. Since policies do not always cover out-of-network treatment facilities, compare the options based on the in-network programs. Even when the policy covers out-of-network treatment options, it usually costs more when compared to in-network programs.
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Focus on rehab centers that create a personalized treatment program and address the underlying causes of addiction. A holistic program, which evaluates every aspect of an individual’s lifestyle before creating a personalized plan of action, offers a variety of tools to address substance abuse. Alternatively, an evidence-based program that uses tools like cognitive-behavioral therapy, counseling and group therapy provides the opportunity to make positive changes in a medical environment.
Traditional treatments focus on counseling, group therapy, family therapy, and similar treatments. Some programs also address any underlying physical or mental health complications that contribute to substance abuse so that individuals find the right tools to avoid drugs or alcohol.
Regardless of the specific type of treatment facility an individual considers, the best programs offer detox services or help connect an individual to a detox program before starting treatment. Detoxification services address the physical withdrawal symptoms in a safe environment. Ideally, a program offers medically-supervised detox services to limit the risk of any complications or health concerns.
Limits to Consider
While the policies offer coverage for most treatment options and substance use disorders, limits and exclusions apply to most policies. The exclusions usually focus on specific types of treatments. For example, an optional treatment like music therapy is not always covered by the insurance policy.
Other limitations usually relate to the duration of treatment or the specific facility. For example, a policy might not cover out-of-network treatment programs or might offer lower coverage for an out-of-network facility. The duration of treatment depends on the treatment facility. Some policies limit residential care to a set number of days, like 28 or 30 days per year. Limitations on out-patient programs usually relate to the number of sessions rather than a set time period. For example, a policy might offer coverage for 12 or 24 sessions per year in an out-patient treatment program. The exact limits on the duration of treatment or the facilities vary between policies.
Finding a Program in California
The best rehab center in California depends on several factors, including personal interests, current health and long-term goals. By working with Blue of California to identify in-network treatment facilities, an individual has the tools to compare rehab facilities and find the program that addresses personal concerns. For more details about the treatment options available in California or about the way that an insurance policy helps with recovery goals, contact us at RehabCenter.net today.