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Rehab Centers That Accept BCBS Insurance In Minnesota

Medically reviewed by

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

March 21, 2019

If the cost of your needed substance abuse and/or mental health treatment is a concern to you, look into how health insurance could help. A Minnesota Blue Cross Blue Shield plan could cover a portion of your costs and assist you as you get back on the road to health.

Blue Cross Blue Shield Minnesota Coverage

Blue Cross Blue Shield offers a wide range of plans to Minnesota residents through the MNsure state health insurance marketplace. Some of the plans are only available in certain parts of the state, but plans that offer coverage throughout the entire state include BlueAccess, BlueBasic, and BlueSave plans. All of these plans help you pay for substance abuse treatment, as well as mental and behavioral health treatment if you need it.

They fall under different metallic levels, which are bronze, silver, gold, and platinum. At the bronze end of the spectrum, you have a lower bill each month but pay a higher percentage of care. This swings to the platinum side, which covers more but requires more from you each month.

BlueAccess Plans

A bronze plan you could choose is the BlueAccess HSA Bronze $5,200 Plan 436, an HSA plan. On this plan, you would be responsible for a 0 percent co-insurance if you stay in the network for inpatient or outpatient services. Out-of-network care goes up to a 50 percent co-insurance. This plan also allows you to have a health savings account. One basic plan at the silver level is the BlueAccess Silver $1,500 Plan 437 PPO plan. This plan requires a $40 copay for office visits or a 40 percent co-insurance for inpatient and outpatient care. All care has a 50 percent co-insurance outside the network. When you pay a copay, you are not responsible for the deductible as well.

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At the gold level, there is the BlueAccess Gold No Deductible Plan 441, a PPO plan. This plan costs you a $30 copay for office visits or a 20 percent co-insurance for in-network inpatient and outpatient services. The co-insurance for out-of-network care is 50 percent. BlueAccess also includes platinum level options, such as the BlueAccess Platinum No Deductible Plan 442 PPO plan. On this plan, you pay a $20 copay for office visits, a $200 copay for inpatient services or a 10 percent co-insurance for other outpatient care. All of these services cost a 40 percent co-insurance for out-of-network providers.

Blue Basic Plans

Blue Basic includes the BlueBasic Bronze $3,000 Plan 444 PPO plan at the bronze level. For inpatient and outpatient providers in the network, you pay a 50 percent co-insurance. With providers outside the network, you spend a 60 percent co-insurance. One of the silver plans is the BlueBasic Silver $2,100 Plan 445 PPO plan. You pay a $40 copay for office visits or a 20 percent co-insurance for inpatient and outpatient care. You don’t have to worry about the deductible when you pay a copay. When you go outside the network, you pay a 50 percent co-insurance for all of these services.

The main gold plan is the BlueBasic Gold $2,000 Plan 448 PPO plan. Stay in the network, and you benefit from a 0 percent co-insurance for inpatient and outpatient care. The deductible is not applied to your first three office visits. Go outside the network, and your costs rise to a 50 percent co-insurance. The platinum plan is the BlueBasic Platinum $1,000 Plan 449 PPO plan. You have a 0 percent co-insurance for inpatient and outpatient care that’s in the network, or a 50 percent one for outside the network. In the network, the deductible isn’t factored into the first three office visits.

A BlueSave Option

In the BlueSave category, you have the option of a catastrophic PPO plan. This is the BlueSave Catastrophic $6,600 Plan 456. This plan comes with a 0 percent co-insurance for inpatient and outpatient treatment in the network, without the deductible applying to the first three office visits. If you go outside the network, expect to spend a 50 percent co-insurance on all services.

There are also variations of these plans and other options you can learn about. Choose the plan that will best help you enter a program to guide you toward a new life.

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