Rehab Centers That Accept BCBS Insurance In West Virginia
Substance abuse impacts the way that an individual handles different situations and works with loved ones and alters the dynamic of an entire family. When a dependent loved one shows signs of drug abuse or an individual recognizes health concerns associated with a mental health disorder and substance abuse, it is time to consider professional treatment. Blue Cross Blue Shield policies in West Virginia allow individuals to focus on their recovery goals in a safe and healthy environment.
Treatment Options In West Virginia
The best treatment programs in West Virginia depend on personal goals and concerns. Generally, an individual uses an insurance policy to narrow down the options based on in-network treatment plans. In West Virginia, Blue Cross Blue Shield offers coverage through Highmark WV to help with long-term goals and concerns.
After identifying in-network facilities, focus on personal concerns and goals. Most policies cover a percentage of the treatment costs when individuals enter a residential program and a set portion of the costs for out-patient treatment. Out-patient treatment programs usually require a co-payment rather than a percentage of the costs.
A facility that take a holistic approach to recovery allows individuals to address the underlying causes of substance abuse. Evidence-based treatments use tools like cognitive-behavioral therapy to adjust the way an individual acts and behaves by identifying unhealthy thought processes and changing the action when certain thoughts occur. Traditional treatments, like counseling and group therapy, also help with long-term goals by setting up a healthy support system.
Regardless of the type of program an individual selects, it is important to work with the facility to detoxify. Drugs and alcohol harm the body and cause withdrawal. Detoxification helps remove the substance from the system so that individuals can focus on recovery goals.
Coverage From Blue Cross Blue Shield
In West Virginia, Blue Cross Blue Shield offers coverage through Highmark WV. The exact details and coverage depends on the specific policy individuals or families purchase for their healthcare needs.
Three main options are available for most individuals: a Bronze, Silver and Gold policy. Bronze policies focus on providing basic coverage, so it has a lower monthly payment when compared to Silver or Gold plans. It also has a higher deductible and usually has a lower amount of coverage for mental health disorders and substance abuse. Generally, it covers a percentage of the treatment costs for most healthcare needs, including substance abuse and mental health disorders.
Silver and Gold policies offer greater coverage and a lower deductible, but the policies also have a higher monthly cost. A Gold policy usually has the highest coverage amount and the highest monthly rates, but offers the lowest out-of-pocket costs. In most cases, the policies require that individuals pay the deductible before the coverage applies to residential or out-patient care.
Limits In The Policies
Although Blue Cross Blue Shield offers several policy options in West Virginia, the best plan ultimately depends on personal budget concerns and individual recovery goals. Most policies cover mental health disorders, substance use disorders and co-occurring disorders, but the policies set specific limitations of the coverage. For example, a policy might exclude specific types of treatments like massage therapy or music therapy.
Furthermore, the policies often set limitations on the duration of treatment, particularly when entering a residential program. Some policies also limit coverage when working with out-of-network facilities, so focus on in-network programs.
Finding A Program For Recovery
The best program for substance abuse and mental health disorders will depend on the situation and personal goals. By working with Blue Cross Blue Shield in West Virginia, individuals have the tools to focus on their long-term goals. For more details about treating substance abuse in West Virginia, contact us at RehabCenter.net today.