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Blue Cross Blue Shield is one of the largest health insurance companies in the United States, with 34 independent, locally operated companies operating under its umbrella. One in three Americans in 50 states have health insurance through BCBS, so the corporation’s recovery benefits affect millions of people.
Your coverage will differ depending on the type of policy you have through a BCBS company. You may have a plan through a health maintenance organization (HMO), preferred provider organization (PPO), or point of service (POS). Also, Platinum, Gold, Silver, and Bronze plans offer different levels of coverage, often ranging from 50% to 90%. Of course, all of these differences are confusing. Calling your insurance company’s customer service number is the best way to check your Blue Cross Blue Shield therapy coverage.
Insurance companies are required to provide some level of recovery service benefits due to the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). The act dictates that health insurance companies that provide mental health rehab and/or substance abuse treatment benefits must cover those services as beneficially as they do medical/surgical services.
Blue Cross Blue Shield therapy coverage in our drug rehab in Delray Beach generally includes the following:
Medical detox: Withdrawing from drugs requires medical treatment in order to avoid sometimes life-threatening symptoms. BCBS policies will pay for treatment to get you through this period.
Inpatient residential treatment: BCBS offers residential treatment, sometimes up to a year, if your condition requires it. Long-term rehab increases your chance to remain drug- and alcohol-free.
Outpatient treatments: Your BCBS policy also covers outpatient treatment, especially therapy sessions, after you leave your residential facility.
Sober living homes: Sober living homes help patients transition from intensive inpatient treatment to a more independent lifestyle. BCBS does cover sober living residencies because they offer a supportive community experience as you recover.
Electroconvulsive therapy: ECT is covered by BCBS in some situations as an aid in recovering from addiction. Preauthorization from the company is required.
Substance use resource center: BCBS has created this site to connect addiction sufferers and their friends and family to local and national treatment and support resources.
Determining your BCBS coverage levels will require some research on your part. The organization includes dozens of companies that, in turn, offer dozens of policies. There is no easy answer to the question, “What recovery benefits does my Blue Cross Blue Shield policy cover?” Fortunately, you are guaranteed parity with the medical/surgical benefits your policy offers.
Blue Cross Blue Shield therapy coverage includes a variety of recovery services. The extent of that coverage is determined by your individual policy level and whether it is an HMO, PPO, or POS policy. Your BCBS customer service center or your treatment representative can determine your exact benefit level.