Rehab Centers That Accept BCBS Insurance In Utah
The cost of rehabilitation treatment may keep many Utah residents from trying to resolve their their dependence on drugs or alcohol. If you have health insurance through Regence Blue Cross Blue Shield of Utah, your insurance plan covers many of these services. Although the coverage you receive depends on your plan, it is likely that it will help you pay for the services you need, from detox to outpatient therapy.
Substance Abuse Coverage On The Marketplace
With the greater recognition of the importance of treatment for mental illness and substance dependence comes an increase in insurance coverage. The Affordable Care Act refers to this kind of treatment as an “essential health benefit,” meaning that any plan sold on the marketplace must offer coverage for mental illness, detoxification, and chemical dependency services.
Not all plans are mandated to offer this coverage, since not all health insurance plans are under the jurisdiction of the ACA. However, Regence Blue Cross Blue Shield of Utah offers several plans that provide equal coverage for these conditions.
Regence Blue Cross Blue Shield Of Utah Plans
BCBS in Utah offers different types of plans based on HMO, PPO, and EPO networks. A Health Maintenance Organization generally helps you save money by having lower premiums, but you must get all specialist care referred through your primary care physician. A Preferred Provider Organization plan allows you to access a specialist for your substance dependency treatment without a referral, but the premiums are often higher.
The Exclusive Provider Organization plans bridge the gap between these types. With an EPO plan from Regence, you have lower premiums like an HMO, but you do not need a referral to get specialist care. However, EPO plans have a limited network of providers, and you must stay within the network for coverage unless it is an absolute emergency.
Many of the BCBS plans in Utah use a Health Savings Account to meet the deductible, which ranges from $5,000 to $1,000 depending on the individual plan. With these plans, the insurance may not cover treatment until you meet the specified deductible. You can set up a tax-free HSA with your employer to save up to cover that deductible as needed.
Preventing Screening For Substance Abuse Services
The ACA requires that all plans in the health insurance marketplace include preventive care without a co-insurance payment. Although not all BCBS plans in Utah fall under ACA laws, many do. For substance use disorder, preventive care involves screening and referral to behavior health services.
This means that you may be able to get an appointment with your primary care physician to get a referral for treatment without making a co-insurance payment, which is particularly useful for people with HMO plans.
Detox And Rehab Center Treatment
Coverage for detoxification and other inpatient or outpatient substance abuse treatment depends on the specific limitations of your individual plan. The Utah BCBS plan with the lowest premium, the Regence Bronze HSA 5000, covers 70 percent of in-network services after the deductible. Out-of-network services are covered at a rate of 50/50.
By comparison, the Regence Gold EPO 1000 covers at a 80/20 rate after the deductible for in-network treatment. EPO plans do not cover out-of-network programs, rehab centers, or services.
Many people need help to become free of chemical dependency, and treatment for substance abuse in Utah can cost thousands of dollars. Your insurance through Regence BlueCross BlueShield of Utah may cover much of your treatment needs. Contact us at RehabCenter.net if you have any more questions about insurance or rehabilitation in general.