Rehab Centers That Accept BCBS Insurance In Tennessee
Medically reviewed byDr. Gerardo Sison
March 29, 2019
Treating addiction often requires professional assistance that focuses on each individual’s unique needs. An insurance policy from Blue Cross Blue Shield helps an individual narrow down the options and find the best facility. Tennessee Blue Cross Blue Shield policies offer coverage to help with rehab treatments and mental health disorders, but the details vary between plans.
Evaluating The Policies
In Tennessee, Blue Cross Blue Shield offers several different types of treatment options and coverage solutions. The state provides policies for basic coverage like Bronze and Silver plans, as well as a more comprehensive coverage through Gold and Multi-state policies.
The basic policies require a lower monthly expense, but generally have higher out-of-pocket costs for treatment. Bronze and Silver policies offer coverage for mental health disorders and substance abuse, but the exact amount depends on the policy. Generally, the policies offer coverage for a stated percentage of the treatment costs after an individual pays the deductible.
Gold policies offer more comprehensive coverage and usually a lower out-of-pocket cost because the policy has a lower deductible and a higher coverage amount. Generally, Gold policies from Blue Cross Blue Shield in Tennessee will cost more on a monthly basis.
Expect some variation between policies, since Tennessee offers several plans and options through Blue Cross Blue Shield. For example, a multi-state policy in Tennessee not only covers treatments in the state, but also allows individuals to seek more comprehensive treatments in out-of-state programs.
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Exceptions In Treatment
Although the state offers several different treatment programs, each plan has limitations and exceptions that individuals must consider. The limitations usually fall into two main categories: exceptions that result in excluding a treatment program from coverage or limitations on the duration of treatment. Many policies set a maximum number of days or treatment sessions in a year. In particular, pay attention to restrictions when entering a residential program to avoid any complications in the treatment process.
Other exceptions in a policy relate to the specific treatments. For example, a policy does not always cover alternative treatments or specific types of alternative therapies. Most Blue Cross Blue Shield policies will not cover the cost of acupuncture, massage therapy, or similar programs.
Selecting A BCBS Program
Generally, you want to enter a treatment facility that is part of your network to limit the costs of recovery. Some policies will increase your co-insurance percentage should you range outside of your network. In fact, some do not cover out-of-network treatment programs or set limitations on treatments. Furthermore, the policies can exclude specific facilities.
After narrowing down the options based on the insurance provider, focus on the treatment options. Ideally, a treatment program will create a customized or personalized treatment plan for each individual. You also want a program that takes a holistic or evidence-based approach to recovery, as these programs are generally more fully covered by Blue Cross Blue Shield insurance policies.
Traditional treatments, like counseling and group therapy, also help with long-term goals. By combining the traditional treatments with cognitive therapy and holistic programs, an individual learns several different ways to handle cravings for a drug or the symptoms of a mental health disorder. Treatments for co-occurring disorders also impact recovery goals, so focus on facilities that offer a variety of tools for dual diagnosis and addiction recovery.
Finding Programs In Tennessee
Recovering from drugs or alcohol in Tennessee starts with identifying the best programs and working with an insurance provider. Blue Cross Blue Shield policies in the state offer a variety of tools to focus on long-term goals and health. For more details about treating addiction in Tennessee, contact us at RehabCenter.net today.