Navigating the coverage specifics of Blue Cross Blue Shield for substance abuse treatment can be quite complex, and often overwhelming when trying to find help while battling a drug and alcohol addiction. Each state establishes its own criteria regarding what health insurance should cover and to what extent, and this is further complicated by the variety of policies offered. We at Zak’s house pride ourselves in our ability to accept many policies, feel free to give us a call at 619.404.0052 to find out if your insurance policy is one of the many policies that we take. If you have questions about how BCBS insurance covers addiction treatment, we will break it down for you.
Consider Blue Cross Blue Shield of California. This provider offers 14 insurance policies that extend coverage for substance abuse treatment. However, the extent of the coverage varies greatly across the policies, with differing amounts allocated to different types of treatment and for varying durations.
Factors that fluctuate across health insurance policies include:
- Hospital benefits
- Outpatient treatment
- Partial hospitalization program
- Physician benefits
The co-payment and out-of-pocket costs will differ significantly, depending on the rehab center and specific treatment required. However, Blue Cross Blue Shield assures that substance abuse treatment copayments and coinsurance costs will align with similar medical services. Importantly, there are no restrictions on the quantity of medically necessary services covered.
Blue Cross Blue Shield is a collective of multiple independent providers and is one of the largest health insurance companies in the country.
Some of the costs associated with the following are covered by Blue Cross Blue Shield health insurance:
- Acute inpatient hospitalization
- Medical detox
- Intensive outpatient treatment
- Partial hospitalization program
- Residential treatment
Blue Cross Blue Shield is a globally recognized healthcare provider, covering over 106 million people across the United States through its 36 local, independently owned and operated community-based companies. In California, the Blue Cross Blue Shield providers are Anthem Blue Cross and Blue Shield of California.
Blue Cross Blue Shield offers numerous different policies and insurance coverage for its members. For instance, it offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans, each of which covers a substantial portion of substance abuse and mental health treatment.
As part of the Affordable Care Act, health insurance plans are required to provide the same level of care for mental health disorders as they do for physical health problems. This rule is called the parity law and it extends to several programs, including plans provided by employers, people requiring healthcare changes, and those coming through the Children’s Health Insurance Program (CHIP) and Medicaid.
When using Blue Cross Blue Shield insurance for rehab, it’s crucial to reach out to your insurance provider. Sometimes, prior authorization is required for rehab services to be covered.
The extent of coverage for rehab can vary based on the specific plan. For instance, some plans might require a co-payment for office and outpatient appointments. There will also be a deductible amount, coinsurance rates, and annual fees. The deductible is the amount that must be met before the coverage begins.
Do not delay inquiring about substance abuse treatment. At Zaks House in Fallbrook, CA, our admissions specialists are here to ensure that you utilize all the financial help you are entitled to with your Blue Cross Blue Shield of California coverage plan. Contact us today for a free consultation at 619.404.0052. Our team will address any of your questions by providing the answers you seek regarding your Blue Cross Blue Shield of California addiction treatment coverage options. We accept Blue Cross Blue Shield of California, and we are dedicated to making substance abuse treatment coverage as accessible and convenient as possible. Our treatment team understands the importance of customizing the patient’s treatment while also managing costs. If you or a loved one needs rehab but are uncertain about affordability, we are here to help.