Addiction can impact every aspect of a person’s life and often leads to serious consequences for a person’s health and wellbeing. With treatment, people can overcome addiction and learn how to live a fulfilling, sober lifestyle.
Despite the negative, sometimes life-threatening consequences of addiction, the majority of people living with the condition do not get the treatment they need to overcome it. There are several reasons people may not get the help they need to treat addiction. They may not realize they need treatment, may not want to take time away from work or family or may worry about how to pay for their treatment.
The Affordable Care Act (ACA) is a law passed in 2010 that requires health insurance providers to pay for mental health and addiction treatment. This means that if a person has health insurance, these services are likely to be covered.
Blue Cross Blue Shield is one of the largest health insurance providers in the United States. Millions of people receive their health insurance coverage from Blue Cross Blue Shield, either through plans offered by their employer or private plans. We will explore BCBS addiction treatment coverage and help you understand how to go rehab with Blue Cross Blue Shield so that you can make informed choices about your treatment.
Can I Go to Rehab with Blue Cross Blue Shield Insurance?
Blue Cross Blue Shield is one of the country’s largest health insurance companies. Millions of people get their health coverage through BCBS in a variety of plans. Drug and alcohol addiction treatment is covered under most BCBS plans. However, it is important to check on the details of your plan before attending rehab. This will let you know what services and facilities are covered by your plan and what expenses you will need to cover out of pocket.
There are several levels of addiction treatment covered by BCBS, including:
- Inpatient
- Residential
- Outpatient
- Intensive outpatient programs (IOPs)
- Partial hospitalization programs (PHPs)
- Aftercare
The first step to using BCBS addiction treatment coverage to pay for rehab is to get an evaluation and diagnosis. This will also help determine which level of care you require. Once you understand which services you need, you can determine which are covered by your insurance plan. This will eliminate surprises later and help you make choices about the programs and professionals you work with.
How to Find a Facility That Accepts BCBS Addiction Treatment Coverage
Once you know which type of treatment program you need, you can look for treatment centers that offer those services. You must make sure the treatment facility you choose accepts BCBS addiction treatment coverage. To do this, you can:
- Contact your insurance company to ask for in-network facilities or professionals
- Get a recommendation from your doctor or medical provider
- Call the facility and speak to their admissions counselors
In many cases, reaching out to the staff at the treatment facility is the easiest choice. There are often dedicated staff at treatment facilities who want to make the admission process seamless for their clients. They can often explain your insurance plan and help you work out a payment plan to cover additional expenses.
How to Make Sure Your BCBS Addiction Treatment Coverage Will Pay for Rehab
In most cases, addiction treatment services are covered by Blue Cross Blue Shield. However, each plan covers different services at different levels, so you must verify what your plan covers before starting treatment.
Before attending rehab with Blue Cross Blue Shield insurance, check the details of your plan. You can do this by speaking to a Blue Cross Blue Shield insurance representative. Call the number on the back of your insurance card and have your card available during the call. You may also visit the BCBS website and search for details about your plan and covered services.
You may also call your treatment facility and ask them to verify your insurance. The staff can explain what services will be covered and what may not be. They may offer alternative treatment options or payment plans to help you get the treatment you need.
If the treatment services you need are not covered by your insurance plan or you have additional, unexpected expenses, you can still get the life-saving treatment you need. People pay for treatment costs in a variety of ways, including:
- Borrowing from savings
- Asking friends and family to help
- Applying for grants or scholarships
- Paying for treatment in small increments instead of one large payment
The staff at your treatment facility want you to get the treatment you need. Their dedicated staff will work to make using insurance as easy as possible so you can focus on the most important thing: your recovery.
Learn More About How to Attend Rehab with Blue Cross Blue Shield Insurance by Contacting the Mandala Healing Center
Addiction is a serious, complex condition. Most people need some form of addiction treatment to overcome it and move forward. Reach out to the staff at the Mandala Healing Center for more information about using BCBS addiction treatment coverage to start treatment today.