Blue Cross Blue Shield rehab coverage
Premiere substance abuse treatment in Huntington Beach. Learn how your Blue Cross Blue Shield plan can help cover the cost of drug and alcohol rehab at Ocean Coast Recovery.
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Choosing to go to drug or alcohol rehab can be a challenging decision. It is common for someone who needs treatment help to experience fear and concern around many factors related to the idea of seeking addiction treatment help. One of the most common concerns shared by millions of Americans is often finding a way to pay for rehab. Drug and alcohol addiction treatment can be costly. Unfortunately, it is impossible to predict the cost of rehab upfront, and determining how the cost of treatment will impact your family is not always an easy task.
The cost of rehab treatment depends on your addiction’s specifics and unique treatment needs. Because of the uncertainty, many people shy away from seeking much-needed addiction treatment because of concerns about covering the cost. Fortunately, since the Affordable Care Act passed in 2010, insurance is now a possible solution. The Affordable Care Act changed insurance companies’ rules regarding covering addiction and mental health services treatment.
Today, addiction and mental health treatment are far less stigmatized than in previous decades. Today, the ability to receive insurance or other types of funding to pay for drug and alcohol rehab is increasingly simplified. While a few insurance companies still present hurdles for their customers, most, including Blue Cross Blue Shield, have increased ease of access to essential insurance coverage for Huntington Beach addiction treatment at a program like Ocean Coast Recovery.
How Can Blue Cross Blue Shield Help With Addiction Treatment?
When someone refers to BCBS or Blue Cross Blue Shield, they generally believe they are referring to or working with one large insurance provider. Blue Cross Blue Shield is actually a group of thirty-six independently owned smaller insurance companies. These companies combine to create one of the largest insurance providers in the nation. Like other insurance companies, Blue Cross Blue Shield offers a variety of insurance plans with different coverage levels. They are categorized by colors, including Bronze, Silver, Gold, and Platinum plans.
Each plan level provides different coverage benefits, varying deductibles, and out-of-pocket costs. The lowest level plans, bronze plans, typically cover a lower percentage of medical expenses (around 60%) and have higher deductibles and out-of-pocket expenses such as co-pays and pharmacy costs. Lower monthly premiums offset the higher up-front fees of the bronze plan.
On the other end of the scale are platinum plans. Platinum plans(which are not available in all states) cover roughly 80% of medical costs and have lower deductibles and out-of-pocket costs. However, the added coverage benefits of platinum plans are accompanied by higher (sometimes significantly)monthly premiums. All insurance plans provided by Blue Cross Blue Shield include mental health coverage, and most cover a portion of the expenses related to addiction treatment.
What Treatment Does BCBS Insurance Cover?
As previously mentioned, your individual insurance coverage for Huntington Beach inpatient addiction treatment services at Ocean Coast Recovery will vary based on your insurance plan, where you reside, and your unique treatment needs. Some insurance plans offered by Blue Cross Blue Shield are not available in all states, and some coverage levels differ from state to state even though the plan “color” remains the same. Also, some Blue Cross Blue Shield insurance plans may require your addiction treatment program to be approved as an in-network provider; however, this is not the case for all plans. It is important to remember that choosing an in-network addiction treatment provider will typically reduce your out-of-pocket costs regardless of the type (or color) of plan you have.
If you choose an out-of-network provider, it is possible that your Blue Cross Blue Shield insurance policy may not cover some or all of your treatment services. Should this occur, it would require you to pay for most, if not all, of your treatment costs out of pocket. If you are unsure about the pre-qualification process for treatment or if a particular addiction treatment center is considered in-network, you can call the rehab directly or reach out to your local Blue Cross Blue Shield plan administrator.
Blue Cross Blue Shield insurance benefits cover both inpatient and outpatient addiction treatment services. Some of the addiction treatment services covered at the inpatient (sometimes called inpatient residential or residential rehab) level of care include detoxification, addiction treatment therapies, nutrition counseling, and medication management. Inpatient coverage also applies to many of the services offered in a partial hospitalization program.
How to Verify Benefits and Coverage for BCBS
Again, the amount of coverage you have for drug and alcohol treatment will depend on the type of insurance plan, your required treatment level, and the state or region where you live. If you are having trouble determining or understanding what your Blue Cross Blue Shield plan will cover for rehab, contact us at Ocean Coast Recovery. Our highly trained professionals can work with you and your Blue Cross Blue Shield representative to determine what, if any, out-of-pocket expenses you may have for addiction treatment.
Ocean Coast Recovery Is a BCBS Rehab Center in Huntington Beach
The coverage level for addiction treatment services through Blue Cross Blue Shield insurance plans will vary depending on several factors. The most prominent characteristic is the type of plan you have. Because of the high level of variance from plan to plan, it is essential you clearly understand your individual plan’s specific details before committing to a particular addiction treatment facility or type of treatment program. Your Blue Cross Blue Shield policy may require a referral from a primary care provider or pre-authorization for services before therapy at a drug or alcohol rehab will be covered. In most circumstances, you will receive the most substantial financial benefit by choosing an in-network provider like Ocean Coast Recovery for your treatment needs.
People struggle to get sober and overcome drug or alcohol addiction for various reasons unique to the person. For some, it is the fear of going to rehab and what the experience at a treatment program is like. For others, fears and apprehension surrounding how to pay for addiction treatment are among the most formidable barriers inhibiting their decision to go to rehab to get sober. Your Blue Cross Blue Shield insurance policy can help relieve some of the stressors and concerns you may experience when considering how to pay for treatment.
At Ocean Coast Recovery, we will work with you to determine the level and type of care your Blue Cross, Blue Shield plan covers. Based on this information and your unique addiction treatment needs and goals, our team of highly trained therapy providers and medical professionals will develop a plan focused on helping you achieve your goals. If you are ready to take your first steps towards achieving freedom from addiction, contact us today to learn more about our BCBS rehab near Huntington Beach .
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