No matter how you look at it, substance abuse treatment is expensive. Many individuals suffering from alcoholism and drug addiction also decide to seek treatment when their bank account is almost depleted. Good thing, insurance providers are already required by law to provide specific substance abuse coverage for it members. Blue Cross and Blue Shield health insurance is one of them.
Does Blue Cross Blue Shield cover drug rehab coverage or alcoholism?
Blue Cross Blue Shield provides substance abuse coverage similar to physical health coverage to its members. The amount of coverage however, may have to depend on the insurance plan, co-payments, deductibles, nature and length of treatment, among other factors.
What length of stay will Blue Cross Blue Shield pay for treatment?
The length of treatment that Blue cross shall shoulder depends on various factors, including the Blue Cross blue shield plan you or your employer has chosen and the health care and services provided by the facility.
Normally, the intensive inpatient care may last from 5 to 7 days, the same length of time where you’re supposed to receive medical detox to reduce withdrawal symptoms. Afterwards, your doctor may recommend inpatient drug or alcohol rehab or outpatient rehab. The cost of care depends on the type of services rendered, the facility (luxury rehabs costs more) and the alcoholism or drug addiction treatment plan you follow. Ask the Blue Cross blue shield insurance representatives or the billing department of the alcohol rehab or drug addiction facility about the maximum length of stay in the facility that your insurance shall pay for.
Does offer Blue Cross Blue Shield specialized alcohol and drug treatment coverage?
Blue cross blue shield offers specialized coverage for members with alcoholism and drug addiction. Upon enrollment, the alcoholism treatment or addiction rehab staff shall conduct a thorough assessment that would guide them in recommending a specific treatment plan suited to your needs. Thereafter, your health providers may require you to attend Acute Inpatient Hospitalization especially if you’re showing signs of severe withdrawal symptoms and medical complications. Other patients are obliged to stay for Partial Hospitalization to meet some medical needs. Intensive Outpatient and Residential Treatment may also be recommended depending on your needs.
Insurance options - Inpatient addiction treatment vs. outpatient - which is better?
Whether it’s inpatient or outpatient treatment, what works best may have to depend more on the program that fits you well and your personal preferences.
If you want to live at the treatment facility during the entire treatment process then an inpatient drug rehab will work for you. You will stay there 24/7 and recovery will be your main focus-nothing else. Inpatient treatment has a good success rate especially for people who finish their treatment plan for up to 90 days.
Outpatient treatment options are for people who want to live at home during treatment. Outpatient requires its patients to attend scheduled counseling, support groups and medical treatment (if necessary).
How do I pay for what insurance won't cover?
A lack of financial resources should not stop you from seeking treatment. You may have an employer, a friend or a concerned family member to help you cover the treatment cost. Affordable treatment plans are available if you ask the help of rehab admissions counselors. Financing may allow you to pay the full amount of the treatment cost immediately and pay off at your own pace. Other financial resources may include retirement accounts (IRA), employee assistance programs and sale of personal assets.
How do I confirm I have coverage?
Ask the admissions counselor of the facility of your choice to help you determine whether Blue Cross Blue Shield will pay for your treatment. Inquire whether Blue Cross cover inpatient, outpatient rehab and specialized services and if the treatment facility is part of the Blue Cross network. You can also contact Blue Cross directly by calling their customer support.