Behavioral health is an essential part of people’s overall health and well-being. The mind and body work together. Because of that, having a mental illness has physical effects on the body, and vice versa.
Substance use disorder is a condition that impacts the body and mind. For that reason, it’s important for people to seek treatment. However, some of them hesitate because they worry about paying for the services. What they don’t realize is that BlueCross BlueShield drug rehab can be affordable.
About BlueCross BlueShield
As one of the largest and oldest health insurers, Blue Cross Blue Shield (BCBS) consists of 36 companies. In compliance with laws, the insurer provides coverage for behavioral health treatment. As a result, it makes substance abuse and addiction treatment affordable for people who buy its policies.
Types of Insurance Policies
BlueCross BlueShield drug rehab coverage is available through all BCBS companies. However, the companies offer different types of plans, so it’s important for people to understand them.
A health maintenance organization (HMO) policy has a limited network of providers where members can receive care. The policyholders have to see in-network providers for BCBS to cover their health care expenses. If they need specialty services, HMOs often require referrals from primary physicians.
A preferred provider organization (PPO) plan typically has a larger network for BlueCross BlueShield drug rehab. It’s also more flexible regarding where members can receive covered services. In general, policyholders receive discounted services at any provider, but the discounts are better at in-network providers. Also, a PPO doesn’t usually require a referral for specialty services.
A health savings account (HSA) policy allows members to put money into the account. Then, the insurer uses that money to pay for their health care costs. The money that goes into the account is also tax-free.
Coverage for BlueCross BlueShield Drug Rehab
In addition to the types of insurance plans, BCBS offers different policy levels. Basically, the bronze level has the cheapest monthly premium but the highest deductible and out-of-pocket expenses. On the other hand, the platinum level has the highest monthly premium and lowest deductible and out-of-pocket costs.
Because of that, the amount of BlueCross BlueShield drug rehab coverage depends on people’s specific policies. However, it follows general guidelines for inpatient and outpatient services.
For inpatient care, BCBS usually requires a precertification for substance use disorder treatment. In general, bronze plans require policyholders to pay the deductible for in-network services. Silver and gold plans often have a coinsurance for in-network services in addition to the deductible. With platinum plans, members have a copay or coinsurance and may receive coverage for out-of-network services.
For outpatient BlueCross BlueShield drug rehab, there aren’t many differences. Some silver and gold plans don’t require a coinsurance after policyholders meet the deductible. Other than that, the same requirements typically apply. However, coinsurance and copay amounts vary.
The Importance of Quality Treatment
While in network rehab insurance is an important element of finding treatment, quality care is vital. People need to make sure that their in-network facility tailors its programs according to their needs. The reason is that a one-size-fits-all approach doesn’t work for addiction recovery. They’re far more likely to succeed at recovery when their treatment specifically addresses their problems.
Get Your Treatment at Authentic Recovery Center
Are you looking for BlueCross BlueShield drug rehab? Authentic Recovery Center is a rehab facility in Los Angeles. Since we’re an in-network provider with BCBS, we can provide affordable substance use disorder treatment.
When you visit Authentic Recovery Center for addiction help, you receive 12-step-focused treatment. Our facility offers medically managed detox with primary care. We even have a family program. Also, we’ll customize your treatment plan with our various therapy services, such as:
- Addiction education
- Relapse prevention education
- Alcohol and drug therapy
- Experiential therapy
- Cognitive behavioral therapy
Don’t hesitate to seek addiction treatment because you’re worried about paying for it. Find out how affordable BlueCross BlueShield drug rehab is for you. Call 866.256.0051 to learn more about treatment at Authentic Recovery Center.