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Rehab Centers That Accept BCBS Insurance In Massachusetts

Dr. Anna Pickering

Medically reviewed by

Dr. Anna Pickering

April 3, 2019

Treating an addiction to drugs or alcohol starts with finding the right rehab center. When Massachusetts residents purchase a Blue Cross Blue Shield policy, they have treatment options to address most health concerns and goals. The policies also offer coverage for mental health disorders and addiction as long as individuals comply with the standards of the policy.

Basic Coverage

The policies available through Blue Cross Blue Shield in Massachusetts focus on common needs and healthcare goals. While the policies generally offer coverage for most mental health disorders and addictions, the details vary between policies and options.

Massachusetts offers several different policies to address substance abuse, including Saver policies and Basic policies. The policies that Blue Cross Blue Shield considers “Basic” generally offer limited solutions. The policies with the lowest monthly costs generally have higher out-of-pocket expenses for most healthcare needs. These policies usually cover in-patient and out-patient treatment programs as long as it is part of the network. Out-of-network rehab centers do not necessarily have coverage or offer limited coverage for addiction recovery.

The policies generally require a deductible payment before coverage applies to any mental health treatment or addiction treatment program. Some policies only require a stated co-payment for the treatment while other options pay for a percentage of treatment costs. Generally, out-patient programs only require a co-payment after the individual pays the stated deductible. In-patient or residential programs usually require a stated co-payment, such as $1,000, or a percentage of the costs, like 30 percent. The policies usually pay for roughly 60 to 80 percent of the costs after the deductible.

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Student Options

While Massachusetts offers a variety of policies through Blue Cross Blue Shield, it does not limit the options to individual and family plans. Blue Cross Blue Shield also offers a student policy in Massachusetts to address the needs of young adults and college students.

The student policy does not offer the same level of comprehensive coverage available in individual and family plans. It is a basic policy with limitations on the amount of coverage; however, it still offers some solutions and protection against high-cost medical expenses. The policy covers most health concerns, including mental health and substance abuse concerns. It also allows students to visit an emergency room for emergency detox services or treatments for substance abuse when an emergency occurs. The student plans allow an individual to seek treatment with a specialist without a referral as long as the rehab center is an in-network program.

Treatment in Massachusetts

Since Blue Cross Blue Shield offers a variety of insurance policies in Massachusetts, it allows individuals to seek treatment for substance use disorders. The best treatment program depends on personal goals and the limitations in the policy.

As a general rule, opt for programs that are part of the Blue Cross Blue Shield network in Massachusetts. Out-of-network programs are not always covered by the policy. After evaluating the eligibility of a particular rehab center, compare the treatment options and find the program that addresses personal concerns.

The best treatment programs create a personalized plan of action to address substance abuse and any co-occurring disorders. They take a holistic or evidence-based approach to addiction recovery by offering several tools to improve personal health and encourage recovery goals. For example, a program can offer cognitive-behavioral therapy to address personal behaviors and actions from the first thoughts that trigger temptations. It can also offer traditional treatments like counseling, group therapy, and family therapy to help with emotional challenges or setting up a healthy support network.

Holistic programs also recognize that certain physical ailments or mental health disorders contribute to substance abuse, so it addresses the underlying causes of addiction. Avoid rehab centers that do not offer any tools to detoxify the body, especially when an individual uses a potentially dangerous substance like opiate drugs, alcohol or amphetamines. A medically-supervised detox program ensures that individuals do not face severe health risks while taking the first steps toward recovery goals.

Recovering from Substance Abuse

Avoiding drugs and alcohol starts with seeking treatment in an appropriate rehab facility. In Massachusetts, a Blue Cross Blue Shield policy helps individuals compare programs. To learn more about treatment in Massachusetts, contact us at

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