What Is Blue Cross Blue Shield
BCBS insurance consists of 35 independent and locally operated companies across all 50 states, the District of Columbia, and Puerto Rico.2 In the U.S., 1 in 3 Americans are covered by an individual or family BCBS insurance plan.2 BCBS also offers employer-sponsored insurance plans and insurance plans specifically designed for federal employees. 1 Over 5 million federal employees, retired federal employees, and their families are covered under the federal BCBS plan.2 BCBS also provides international insurance plans for people who live, work, or travel outside of the U.S. 2
How Long Does Blue Cross Blue Shield Insurance Cover Rehab Program
There is no specified period that BCBS insurance or any insurance will cover drug rehab services. This is because many factors determine coverage, such as the specific plans parameters, the drug rehab program chosen, and the persons treatment needs. However, some study results have shown that people who remain in treatment for 3 months or longer are more likely to have positive treatment outcomes .7
To learn more about your BCBS coverage for drug rehab, call the number designated for mental health/substance abuse on the back of your BCBS insurance card or visit the BCBS website. You can also verify your coverage by contacting the drug rehab center directly. AAC can verify your Blue Cross Blue Shield coverage, too visit their website or call .
Do I Need Health Insurance To Receive This Service
The referral service is free of charge. If you have no insurance or are underinsured, we will refer you to your state office, which is responsible for state-funded treatment programs. In addition, we can often refer you to facilities that charge on a sliding fee scale or accept Medicare or Medicaid. If you have health insurance, you are encouraged to contact your insurer for a list of participating health care providers and facilities.
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Deductibles Copays And Coinsurance Amounts
Other factors that determine how much your policy helps pay for drug rehab and how much you may need to pay are deductibles and copays. Most healthcare plans require you to share some of the cost of rehab. Thats managed through these factors.
Your deductible is how much of your total care each year you have to pay for before your policy starts to cover things. Luckily, you probably only have one deductible. That means if you have used your insurance benefits for anything from routine physicals to ER visits to a hospital stay those charges have added up to count toward your deductible.
Heres a scenario to help you understand:
- Sue has a policy with a $3,000 deductible.
- She has been to the ER once and paid $700 in services. She has had three doctors appointments for a total of $600 in charges, and she has $200 in medication charges. Thats a total of $1,500 toward her deductible.
- She has $1,500 left on her deductible. If Sue seeks addiction recovery services, she would be responsible for the first $1,500 in charges before her policy started to pay on claims.
Copay and coinsurance amounts are the totals you pay for outpatient or inpatient rehab after you meet your deductible. This is different for every plan. Some policies frame copays as percentages, such as 10% of inpatient charges. Others set a specific number, such as $500 for each stay.
How To Find Alcohol Rehabs That Accept My Insurance
Finding a rehab near you that works with your insurance doesnt need to be a difficult process. A good starting step would be to contact your doctor or medical professional and talk to them about your substance use concerns. They can determine what treatment you need and connect you to in-network rehab centers. The SAMHSA treatment locator is another way to find rehabs that are near you.
Another option is to contact an addiction helpline. These helplines can answer questions you have about the rehab process and how to use your insurance to cover some or all of the costs. For example, you can contact American Addiction Centers at any time by calling .
AAC operates a variety of treatment centers around the country and is proud to be in-network for many insurance plans. If youre ready to start on the path to a happier, healthier life, we can help. Contact us today.
Helpful resources:
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Does My Insurance Cover Substance Addiction Treatments
Usually, yes. Many insurance coverage will extend to covering substance abuse treatments consisting of drugs and alcohol The insurance might likewise cover things like mental health treatments and services.
Nevertheless, the degree of just how much they cover will depend mainly on what insurance policy you have including your health plans and anything within the policy that specifies you are accountable for when it comes to out-of- pocket costs.
Prior to you choose to get in a rehab center, you need to constantly clarify with your insurance provider just what youre covered for and to what degree they will cover the costs Its likewise encouraged that you contact the specific rehab center and ask.
A lot of rehab centers will understand, at least to some degree, what providers use what although they may not understand the complete policy coverage They can, nevertheless, provide you with suggestions and possible information of other essential elements in the process
What Kind Of Rehab Does Insurance Cover
Unfortunately, not all insurance policies cover all rehab programs. However, insurance companies are more likely to cover some programs than others. For example, they often cover more of the bill for outpatient rehab than inpatient treatment. One reason is that inpatient treatment is more expensive than outpatient treatment.
However, that doesnt mean that insurers dont cover a wide range of programs. Once again, the specific coverage depends on each insurance plan. Certain policies simply offer more coverage than others.
Determining which kind of rehab insurance coverage that an individual has isnt difficult. It simply requires contacting Renaissance Recovery. Our friendly staff can verify peoples insurance and determine their coverage.
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Will Your Insurance Provider Cover Addiction Treatment At An Inpatient Rehab
Insurance and rehab can be a confusing topic. What does health insurance cover? Does insurance cover rehab?
Getting your insurance plan to pay for drug rehab or alcohol rehab should be easy, but in many cases, it is anything but easy. All insurance coverage is supposed to provide at least some coverage for substance abuse treatment, but the question is, what exactly is covered?
When you are experiencing active drug addiction, the last thing you want to think about is what is covered by your health insurance. You simply want to turn things over to a rehab center and let them help you to get better and recover from your addiction.
Many inpatient treatment programs try to make things easier by having dedicated services for verifying treatment coverage. On the homepage of many rehab and detox websites, there is a button for verifying rehab coverage, where an online assistant will ask for your health insurance plan information and report back on your specific insurance benefits relating to drug rehab services.
The Importance Of Insurance Verification
Does insurance cover rehab? is actually a complex question, as you can see from the information above. But professional drug treatment centers are used to dealing with these details, and they can help you navigate policy issues.
In fact, most providers, including Changing Tides, know that conducting an insurance verification is a critical first step when someone is seeking substance abuse programs for addiction. A verification involves a provider calling your carrier to verify:
- That your coverage is currently in effect
- That the provider is able to bill for services under your plan
- Whether or not the provider is in-network
- What your deductible and copay amounts are
- Whether a preauth or referral is needed
By understanding the answers to all these questions, our rehab center in NC is able to provide you with information that includes an estimate on how much you may owe for substance abuse treatment if you go through a program with us.
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What Health Insurance Plans Cover Addiction Treatment
Effective treatment for drug abuse or alcohol addiction is delivered in many different settings. Options typically include a combination of behavioral and medical treatment methods. In the U.S., there are more than 14,500 specialized drug treatment and rehab centers throughout the country. Southern California has the most drug rehab facilities per capita than in any other part of the U.S. Because of the complexities involved in the disease of drug addiction, treatment for the disorder entails many different components, including but not limited to:
- The persons drug use
- Aftercare treatment and therapy
- Relationships
- Housing
Treatment also includes counseling, behavioral therapy, medication, and ongoing case management. Treatment that is integrated, effective, and comprehensive isnt something that most people can afford out of pocket. But fortunately, there are many insurance programs and also charitable organizations that cover drug addiction treatment. The following article will explore what types of insurance programs cover treatment and where someone can go for help if they do not have insurance coverage.
How Can I Get Free Rehab Treatment
To learn about free rehabilitation and low-cost insurance options, you can either visit healthcare.gov, conduct another Google search for state insurance options or call your local county office to find out where to sign up for Medicaid or Medicare programs . To help remove barriers to care, these programs are designed to be easy to sign up for each state often has representatives who can help you sign up free of charge.
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Types Of Health Insurance Coverage For Addiction Treatment
Types Of Health Insurance Coverage What type of health insurance coverage is available to me? In 2014, over 91% of Americans were covered by a health insurance policy. Depending on the specifics of the plan, those with insurance can use that coverage for:
- Inpatient treatment in an approved rehab facility
- Outpatient rehab with an approved provider
- Medical detoxification, including medications
- Follow-up therapy
- Medication-Assisted treatment
At one time, health insurance was once considered a luxury item. Individuals with tight budgets and low wages may not have had the resources necessary to buy any form of health care plan. Many would try to put away enough money to let them get medical care for life-threatening issues. Preventative care went unaddressed. In many cases, this meant addictions were left untreated. For those without health insurance, getting treatment for addiction was too expensive to even consider.
It is the same for addictions. Insurance companies do not want to cover sophisticated testing and interviews about the type of drugs used, how the drugs were made, where they came from, and what they were mixed with. Insurance plans can keep it simple by covering all drugs, assuming the plan offers an addiction care benefit.
According to the Affordable Care Act, insurance plans must provide a one-page summary of therapies and benefits, along with prices, per the U.S. Dept. of Health and Human Services.
- Inpatient detoxification
- Residential rehab
Article Overview: Health Insurance And Addiction Treatment
A common concern of those struggling with drug addiction is health insurance and cost of treatment. Sadly, instead of being able to focus solely on their rehabilitation, many people worry that the price of recovery is just too much to bear, especially if they wish to seek treatment in an inpatient center.
According tothe National Institute on Drug Abuse, medical detox is not enough to ensure the recovery of a patient, as it leaves out other side-effects of the addiction . Long-term care from a holistic approach is considered to be the best chance a drug addict can have to overcome their condition. However, as most of the people who enroll in a California drug rehab may know, this type of treatment not only requires payment for its medical component, but also for long-term overnight stays, meals, and other therapies.
The best chance these patients have is that their insurance will cover these costs. Still, there are a lot of questions that arise at this point, especially regarding whether drug rehab is eligible for insurance or not.
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Will The Insurance Provider Cover The Costs For Medication
If it is within your policy, the insurance company will cover the costs for what is referred to as continuous care Continuous care can consist of medications that some people who rely on compounds might require to have when they leaveresidential rehab
These medications are for specific drugs due to the chemical imbalances and changes that have actually been brought on bedbug use Without the use of reversing medications, an individual might fall really weak and in some circumstances it might be deadly.
They are likewise needed for the symptoms of things like withdrawal and attempt to lower the strong yearnings for the drug which, when not administered, might lead to are lapse
Methadone is common for people who were abusing heroin It mirrors some results of heroin without being as harmful or lethal and lowers the threat of a difficult comedown and withdrawal which can be deadly with a drug as effective as heroin
In addition, due to its addictive residential or commercial properties its one of the most challenging to come off of and methadone can be really advantageous.
Antabuse is frequently used for alcohol addiction It does not stop yearnings or any of the mental issues that may come with alcohol abuse, however it makes the individual less most likely to beverage alcohol due to the fact that Antabuse makes an individual strongly throw up if they consume it.
Ask About Employment Resources
Those getting insurance through their employer may also have on-the-job resources available to help with addiction recovery, either through connections to particular rehab programs or coworker support groups. Talking to your human resources department can help you understand the exact resources available, how they may help, and the costs of these resources.
This approach can not only help you get a better idea of the options available to you but also allows you to discuss your continued employment throughout recovery or an appropriate medical leave to tackle the toughest parts of your journey to sobriety.
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Does Insurance Cover Rehab
The short and simple answer is yes. In most cases, insurance will cover rehab because it involves treating a medical disease. However, there are a few variables to consider before making any conclusions, such as the specific terms of the plan that will give you a better understanding to the question will insurance pay for rehab?
Does Health Insurance Cover Alcohol Or Drug Rehabilitation
You may be wondering, is drug or alcohol rehab covered by insurance? Most insurance plans provide some level of substance abuse treatment coverage, although this may differ depending on the provider, your specific plan, location and other factors. Drug and alcohol addiction is a concern in America and has been linked to long-term changes in the brain and behavior, increased risk of developing chronic physical and mental health disorders and social and occupational difficulties.1, 2, 3, 4 As such, many insurance providers recognize the need to offer coverage for substance use disorders .
Additionally, since the passage of the Affordable Care Act in 2010, many private insurance companies have opted to cover the same essential health benefits that Marketplace insurers offer as part of the ACA, which includes mental and behavioral health services.6,11 This may include treatment such as inpatient, outpatient, detox, counseling and other services, but its important to talk with your health insurance provider about plan details to make sure you have alcohol and drug rehab insurance. You can also fill out the form below to find out instantly.
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What Is Drug & Alcohol Rehab
Before you decide on a treatment plan, you must have an understanding of what drug and alcohol rehab IS. Much like you go to a doctor for a broken bone or a respiratory infection, you go to drug or alcohol rehab if you are struggling with addiction to these substances. You dont delay getting help when youre inflicted by pain or injury but yet most delay getting help when they are addicted to drugs or alcohol. This delay often comes as a result of many different reasons such as:
- Fear that others will find out about your substance abuse.
- Fear that the process will be painful.
- Fear that you will fail in treatment.
- Fear that you wont be able to afford treatment.
- Fear that you wont get the adequate help that you need.
Did you notice a common denominator here? FEAR is the number one reason people do NOT get help for addiction to drugs or alcohol. Whether you are in fear about your finances, or in fear about losing your job when you go away from treatment, or youre in fear about the what ifs that come along with entering an inpatient rehab centerFEAR is the factor that has some 23 Million Americans afflicted by addiction and a mere 2% getting treatment.
To reduce some of that fear, heres what you can expect in drug or alcohol rehab:
Which One Is Finest
It actually boils down to your individual choices and cost. You are disputing in between versatility and cost. For instance, HMO plans are amongst the most common in the US and are generally the most economical, however there are limitations to what you can door request
Whereas, PPO plans are typically more pricey, however your premium costs likewise permit you to gain access to physicians for things like non-emergencies and medical suggestions.
Each has their own particular benefits so constantly inspect to see which one is finest for you.
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