Rehab Centers That Accept BCBS Insurance In Rhode Island
A new year brings new insurance options for Rhode Island residents. If you are considering rehab for yourself or someone you love, then understanding your insurance choices is critical. Blue Cross Blue Shield of Rhode Island is available from the insurance marketplace as a group plan from your employer or as a supplemental plan for Medicare.
What To Consider When Choosing An Insurance Plan
Blue Cross Blue Shield offers three levels of coverage to Rhode Island residents. At the Bronze level, the typical buyer contribution is 40 percent. At the Silver level, you contribute 30 percent, and only 20 for a gold level policy. In other words, Blue Cross Blue Shield pays:
- 60 percent of your expenses for a Bronze level plan – Three plans available
- 70 percent of your expense for a Silver level plan – Four plans available
- 80 percent of your expense for a Gold level plan – Four plans available
You will also want to look closely at the deductible when choosing your policy. For BCBS of Rhode Island, the name of the plan tells you the deductible. For example:
- Bronze level BlueSolutions for HSA Direct 5350/10700 = $5,350 individual deductible /$10,700 family deductible
- Silver level BasicBlue Direct 4900/9800 = $4,900 individual deductible /$5,500 family deductible
- Gold level VantageBlue Direct 1000/2000 = $1,000 individual deductible $/2,000 family deductible
- What Does BCBS Pay For Drug Rehab?
As with most providers, the amount the company pays towards substance abuse treatment depends on a number of factors, including:
- Type of treatment (such as inpatient or outpatient care)
- The plan you purchase
- Whether it’s in-network or out-of-network treatment
The plans are very diverse, so it is essential you properly review them all. In this way, you will know what they pay towards drug rehab prior to making your selection. Here are a few sample plans within each level, plans that are typical of the coverage offered within each level:
- The Bronze level BasicBlue Direct 6850/13700 requires an $85 copay for outpatient services with no charge after you meet the deductible. For inpatient care, you must cover the deductible before the company pays. The plan does not cover out-of-network care.
- The Bronze level BlueSolutions for HSA Direct 5350/10700 covers all costs after the deductible for both inpatient and outpatient care. They require a 40 percent copayment after the deductible if you go out of network for treatment.
- The Silver level BasicBlue Direct program covers 90 percent of the costs after the deductible and includes a $45 copay for office visits. This means the deductible is a major factor when you choose a BCBS plan.
Inpatient Vs. Outpatient Care
With BCBS, there is not much difference in your cost in between inpatient and outpatient care. Inpatient treatment means you live in a facility for a specified amount of time, usually between 30 to 90 days. Outpatient care means you get treatment but still live at home. You may require one or both of these treatment options. Most individuals that go through detox and inpatient rehab continue treatment at an outpatient center to ensure they maintain their sobriety.
It is always a good idea to get preauthorization from the insurance company before getting treatment or hospitalization. For drug rehab, BCBS strongly recommends it. Preauthorization not only ensures the insurance provider will cover their portion of the costs, but it clarifies what the center will cover.
In some cases, the insurance provider may require a doctor’s referral for treatment. BCBS does not specifically mention this, but as with preauthorization, it is a good idea. A referral from a physician helps determine the level of care you require and for how long.
If you are a Rhode Island resident getting ready to buy insurance, then BCBS is one available option and they do pay at least a portion of drug rehab costs if you need them. Contact us at RehabCenter.net to learn more about your insurance and rehabilitation options.