BlueCross BlueShield Coverage for Treatment
BlueCross BlueShield (BCBS) is the largest health insurance network in the United States, with independent companies operating in every state. BCBS plans generally cover substance abuse treatment as an essential health benefit, including residential rehabilitation, intensive outpatient programs, partial hospitalization, and ongoing therapy. Because BCBS operates through regional affiliates, coverage details and network providers may vary by location.
Frequently Asked Questions
Does BCBS cover addiction treatment?
Yes, BlueCross BlueShield plans cover addiction treatment as part of essential health benefits mandated by the Affordable Care Act. This includes detox, residential treatment, outpatient programs, and aftercare services.
How do I find BCBS in-network rehab centers?
You can search for in-network facilities through your local BCBS website, call member services, or ask treatment centers directly if they accept your specific BCBS plan.
Does BCBS cover outpatient treatment?
Yes, most BCBS plans cover outpatient substance abuse treatment including intensive outpatient programs (IOP), partial hospitalization programs (PHP), and individual counseling sessions.
What is the cost of rehab with BCBS insurance?
Out-of-pocket costs depend on your deductible, copay, and coinsurance rates. In-network facilities typically result in lower costs. Many plans cover a significant portion of treatment expenses.
Does BCBS cover dual diagnosis treatment?
Yes, BCBS plans generally cover dual diagnosis treatment that addresses both substance use disorders and co-occurring mental health conditions simultaneously.
Can I use BCBS insurance out of state for rehab?
Most BCBS plans include the BlueCard program, which provides access to participating providers nationwide. However, coverage levels may differ for out-of-state treatment.
Verify Your BlueCross BlueShield Benefits
Speak with a specialist to check your coverage
(855) 641-2390