Blue Cross Blue Shield Insurance Coverage for Drug and Alcohol Addiction Rehabilitation

Blue Cross Blue Shield Drug and Alcohol Rehab Coverage Levels and Plans

While BCBS rehab coverage levels can vary based on which state you are in, most plans are broken into 3 levels:³

• Bronze plans have the lowest premiums, but out-of-pocket costs are higher. BCBS pays about 60% of the costs of your medical care once your deductible is met.
• Silver plans have higher premiums, but you pay less out-of-pocket than with a bronze plan. BCBS pays about 70% of your medical care after your deductible is met.
• Gold plans have the highest premiums and lowest out-of-pocket costs. BCBS pays about 80% of your medical care once your deductible is met.

BCBS participates in Medicaid, which is a health insurance program for people with low incomes who often have severe health conditions.⁴ Medicare, a federal insurance program for people aged 65 and older, is also administered through Blue Cross Blue Shield.⁵

The advantage of a large, nationwide insurance company like BCBS means that you can easily access out-of-state drug and alcohol rehabilitation treatment.⁶ The BlueCard program allows you to benefit from local BCBS drug and alcohol rehab plan rates even if you decide to seek treatment outside of your home state at Blue Cross Blue Shield rehab facilities.⁶

How to Check Your Blue Cross Blue Shield Rehab Coverage

If you want to check your insurance benefits or find out if your BCBS health insurance covers drug or alcohol abuse rehabilitation, you can call the phone number on the back of your insurance card to connect with a customer service representative. You can also access your benefits through the BCBS website, which will connect you to your local Blue Cross Blue Shield substance abuse provider.

Drug and alcohol rehab plans with BCBS offer coverage for current and former federal employees across the United States.⁷ As the leading insurance plan in the United States for federal workers, the BCBS Federal Employee Plan insures about 5.3 million current and former federal workers and their families.^7,8 There are 3 plans available:⁷

• The standard plan offers access to in-network and out-of-network providers, with higher premiums, low deductible, lowest out-of-pocket maximum and lower copays than the basic plan.
• The basic plan offers access to in-network providers, with a lower premium, no deductible, higher out-of-pocket maximum than the standard plan and highest copays.
• The FEP Blue Focus plan offers access to in-network providers, with lowest premiums, higher deductible and out-of-pocket maximum and lowest copays.

Does Blue Cross Blue Shield Insurance Cover Drug & Alcohol Rehab?

If you’re wondering whether your BCBS insurance plan covers rehab treatment for drug or alcohol addiction, the short answer is ‘yes’. The Affordable Care Act (ACA) requires all insurance plans to cover specific services, known as essential health benefits.⁹ Mental health services are included as an essential health benefit, although specific plans cover varying levels of services.⁹ In general, Blue Cross Blue Shield mental health coverage includes inpatient and outpatient substance abuse rehab and addiction treatment services that are in-network and considered to be medically necessary.³ There may be limits on what type of treatment will be covered, or for how long, and you may need authorization before you start drug and alcohol rehab treatment with Blue Cross Blue Shield.

You may be eager to learn more about Blue Cross Blue Shield drug rehab coverage. You might be wondering, ‘will my insurance with Blue Cross Blue Shield cover drug rehab?’ or ‘what rehab centers accept Blue Cross Blue Shield insurance?’ If you have questions about the specific Blue Cross Blue Shield drug and alcohol addiction therapy coverage that is included in your insurance plan and want to know more, calling the number on your card is the best way to learn about the services that would be covered and what your financial responsibility would be. You can also check to see if your insurance is accepted at American Addiction Centers rehab facilities, contact us for free at .

BCBS is a well-established insurance company that offers health insurance to many people across the country. A variety of coverage plans is available at Blue Cross Blue Shield drug rehab centers. They offer different levels of benefits, although each provides coverage for substance use disorder treatment regardless of where you decide to seek care. Since Blue Cross Blue Shield drug and alcohol rehab coverage can vary depending on the plan and your location, it is important to check your insurance before seeking treatment.

Additional Resources on Health Insurance Providers and Coverage Levels

Visit the links below to find out more about your health insurance coverage levels, how to get your insurance company to pay for treatment at drug and alcohol addiction rehab centers and also how to pay for rehab if you don’t have insurance.

• Blue Cross Blue Shield
• Aetna
• Humana
• Kaiser Permanente
• Cigna
• Ambetter
• Rehab Insurance Coverage
• Rehab Without Insurance

Additional Resources on Drug and Alcohol Rehabilitation

You may be seeking rehab treatment for alcohol abuse, heroin abuse or any other addiction. You might be in California, Wyoming or New Mexico, and you may be looking for rehab near you or out-of-state. Whether you’re looking for a specific type of drug or alcohol addiction treatment, substance abuse-related info. or additional guides, below are some of our most popular and recommended.

• Detox Centers Near Me
• LGBTQ+ Rehab Centers Near Me
• Holistic Rehab Centers Near Me
• Free Drug Rehab Centers Near Me
• State-Funded Rehab Centers Near Me
• Drug and Alcohol Withdrawal
• How to Help a Drug Addict
• Drug Addiction Hotline Numbers
• Narcotics Hotline Numbers
• Alcohol Addiction Hotline Numbers