Rehab Centers That Accept BCBS Insurance In Hawaii
Abusing drugs or alcohol impacts the way that individuals think and behave. When a dependent loved one shows signs of substance abuse or a mental health disorder, an individual must recognize the coverage available in an insurance policy. Blue Cross Blue Shield offers coverage for mental health disorders and substance use disorders. The details of coverage depends on the specific policy an individual or family purchases to help with long-term goals.
Treatment for Addiction in Hawaii
Hawaii is a beautiful state that offers a variety of tools to help with long-term recovery goals and substance abuse. The state has treatment programs that range from basic out-patient facilities to luxury treatment options, so individuals must evaluate their needs and goals carefully before entering a rehab center.
The best treatment program depends on the details of an insurance policy. Generally, Blue Cross Blue Shield policies in Hawaii offer coverage for mental health disorders and addiction, but the exact amount of coverage varies. Use the network to find programs that comply with the standards of the policy before starting any treatment.
After identifying appropriate facilities, focus on the treatment options available in the program. A facility that offers holistic treatments and evidence-based treatments can help with long-term goals. Facilities that provide programs like cognitive-behavioral therapy, counseling services and appropriate medical treatments for any physical ailments that stem from substance abuse help reduce the risk of relapse or long-term complications. A program can also offer counseling, family therapy or group therapy.
Opt for facilities that create a personalized or individual treatment plan to ensure that it focuses on the needs of the person. Each individual has different needs and goals, so a program must work with the situation. Ideally, a program will also offer a medically-supervised detox program as part of the treatment process or will help connect individuals to a supervised detox facility.
Coverage for Substance Abuse
Blue Cross Blue Shield offers a variety of policies to help with long-term recovery goals and physical health concerns. The programs range from basic catastrophic policies to Platinum HMO and PPO policies, so residents in Hawaii have several options to help with recovery goals.
In most cases, the policies cover in-network treatment facilities and pay for a portion of the treatment costs after the individual or family pays the stated deductible. Some policies, like the Bronze HMO policy, do not cover out-of-network treatments. Read the details of the policy before selecting a facility to ensure that it complies with the standards of the program.
The coverage varies between policies, but most of the options from Blue Cross Blue Shield pay for a percentage of the treatment expenses or require a stated co-payment for out-patient treatments. Generally, policies with a low monthly cost, like Bronze and Silver policies, have a higher out-of-pocket maximum and deductible. Policies with a higher monthly cost, like Gold and Platinum policies, have a lower out-of-pocket expense or deductible.
Limits in the Policies
The limitations or exclusions in policies from Blue Cross Blue Shield in Hawaii depend on the details of the specific policy. Generally, the policies do not set limitations on treatments for mental health disorders or substance use disorders as long as the individual works with an in-network treatment provider. Some policies exclude specific treatments, like massage or acupuncture. Other policies exclude out-of-network programs and only cover the cost of treatment in an in-network facility.
Specific details regarding exclusions and limitations in the policy depend on the plan, so read the policy for details related to a specific concern or goal. Expect some limits related to the duration of treatment. For example, a policy can limit treatment to 30 days in a year or to a set number of sessions in an out-patient program.
Finding Treatment and Obtaining Recovery Goals
Hawaii offers a variety of tools and options to focus on long-term recovery goals. An insurance policy from Blue Cross Blue Shield offers the tools to start working on recovery goals and find the best facility to address personal needs. Work with an in-network program and compare treatment programs with the tools at RehabCenter.net to find the right rehab center in Hawaii.