Drug Rehab Centers That Accept Blue Cross Blue Shield – BCBS Rehab Coverage

Rehab Centers That Accept Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is one of the largest healthcare insurance coverage providers in the U.S., providing coverage for more than 100 million people each year.

Alcohol and drug rehab programs and addiction treatment services are covered by Blue Cross Blue Shield plans. However, the amount of coverage and services covered will vary by plan.

Individuals using their Blue Cross Blue Shield insurance plan to pay for the cost of rehab will enjoy greatly reduced costs, and may even see the entire stay covered by BCBS.

For those entering addiction treatment, it may be helpful to know which services and rehab programs are covered by their Blue Cross Blue Shield plan, and which rehab centers accept BCBS insurance.

Blue Cross Blue Shield Coverage For Substance Abuse Treatment

Which drug rehab treatment programs and services are covered by Blue Cross Blue Shield will vary according to plan. Each Blue Cross Blue Shield plan carries a different level of coverage. This means that, while services may be covered, they are covered at a different percent level by each plan.

Those with BCBS Bronze plans (generally lower monthly premium and higher deductible) may have to pay larger copays for certain services. Those with Blue Cross Blue Shield Gold plans (generally higher monthly premium and lower deductible) may pay less for certain services and have lesser copays.

Each Blue Cross Blue Shield insurance policy is unique to the individual, so it’s important to speak to a plan specialist to understand your unique BCBS plan and level of coverage.

Finding Rehab Centers That Accept Blue Cross Blue Shield

When researching alcohol and drug rehab centers, it’s extremely beneficial to make sure that the rehab center you choose accepts your Blue Cross Blue Shield health insurance plan.

Attending a rehab program at a facility that accepts your insurance can eliminate any difficulties that may arise with insurance compliance.

Using your insurance policy to pay for drug rehab is the easiest way to ensure the bulk of addiction treatment costs are covered. This means less worry for you in regards to payment, and more room to focus on recovery.

However, if you find a rehab center that does not work with your Blue Cross Blue Shield plan, you may still be eligible for reduced coverage from your insurance carrier.

Many rehab centers will also work with you to develop a payment plan, and often offer various resources for payment assistance, such as sliding fee scales.

Do Rehab Centers Have To Be In-Network With Blue Cross Blue Shield?

Some Blue Cross Blue Shield insurance plans require that rehab centers be in-network in order to provide any level of coverage. These are called HMO (Health Maintenance Organization) plans.

With BCBS HMO plans, a specific network of treatment providers is available to policyholders. To receive coverage, individuals with HMO Blue Cross Blue Shield plans must find treatment from one of these providers.

With PPO (Preferred Provider Organizations) plans through BCBS, individuals may have a little more selection. BCBS PPO plans provide a network of treatment providers as well, but the selection may be greater.

Also, PPO plans may still provide limited coverage for treatment sought out-of-network. To understand which plan you have and whether you have to choose from a specific network, you can speak to your insurance provider or a treatment specialist.

Which Rehab Centers Accept Blue Cross Blue Shield Insurance?

Most private rehab centers accept Blue Cross Blue Shield insurance plans for addiction treatment. However, each treatment facility typically has a definitive list of acceptable coverage providers.

For this reason, it’s a good idea to research any prospective rehab centers prior to beginning treatment to ensure they accept your plan.

Many rehab centers have treatment specialists who can answer any questions you have regarding both treatment programs and insurance.

Does Blue Cross Blue Shield Cover The Cost Of Inpatient Drug And Alcohol Treatment

The amount of coverage an individual will receive through Blue Cross Blue Shield for inpatient rehab programs not only varies by plan, but by state laws and regulations.

Coverage is also affected by where an individual seeks residential treatment, such as a rehab facility or hospital.

The following is a breakdown estimate of Blue Cross Blue Shield coverage of inpatient treatment for addiction according to plan.

Bronze Plans

• at least minimum deductible for in-network treatment providers
• out-of-network treatment typically not covered

Silver Plans

• usually a copay, plus deductible
• out-of-network treatment typically not covered

Gold Plans

• copay percent, typically less than that of Silver Plans, plus deductible
• out-of-network treatment typically not covered

Platinum Plans

• in-network inpatient treatment typically has a per-day copay, or copay percent
• out-of-network sometimes covered at a higher copay rate than in-network

Inpatient treatment with Blue Cross Blue Shield begins with the Standard Option at a copay of $35 per day for an unlimited amount of days.

The Basic Option carries a copay of $175 per day for an unlimited amount of days, totaling up to $875 per admission for unlimited days.

Plans vary, so these numbers are an estimation only. A person may pay more or less for inpatient addiction treatment copays depending on their Blue Cross Blue Shield plan.

Does Blue Cross Blue Shield Cover The Cost Of Outpatient Addiction Treatment?

Outpatient treatment for addiction is covered by Blue Cross Blue Shield plans at a similar rate as inpatient rehab programs.

Services available for outpatient treatment can vary greatly, though, depending on whether a person seeks treatment at a doctor’s office, rehab center, or hospital.

Estimations for coverage for outpatient treatment with Blue Cross Blue Shield health insurance are as follows:

Bronze Plans

• may have to meet deductible for in-network coverage
• out-of-network coverage usually not provided

Silver Plans

• in-network coverage may require copay percent plus deductible
• out-of-network coverage usually not provided

Gold Plans

• copay percent sometimes required after meeting deductible for in-network coverage
• out-of-network coverage usually not provided

Platinum Plans

• copays and percents vary by plan for in-network coverage
• out-of-network coverage provided at a higher copay percent and higher deductible

There are a number of outpatient rehab programs for substance abuse, each with a different treatment intensity level and treatment approach. Which rehab program you need may depend on the severity of your addiction, if you have completed inpatient treatment, and other factors.

Some of the most common outpatient treatments for addiction include partial hospitalization programs, intensive outpatient treatment programs, and medication-assisted treatment.

Does Blue Cross Blue Shield Cover The Cost Of Partial Hospitalization Programs?

BCBS provides coverage for partial hospitalization programs (PHP) if the rehab program meets coverage requirements. For example, you may have to meet your plan deductible before coverage kicks in, or choose from a treatment provider that is in-network with your BCBS health plan.

You may also have a co-pay amount for your PHP, depending on your coverage tier. However, many rehab centers work with patients and their family members to come up with a payment option that fits their budget.

Partial hospitalization may take place over the course of eight to 16 weeks and will involve a number of different therapies, counseling, and case management. This addiction treatment option is often a good choice for those who have completed residential treatment and who want to remain committed to recovery.

Does Blue Cross Blue Shield Cover The Cost Of Intensive Outpatient Programs?

Blue Cross Blue Shield insurance offers coverage for intensive outpatient programs (IOP) which meet requirements of individual health plans. This form of substance abuse rehab is slightly less intensive than partial hospitalization—a step down in care.

Often paired with those who are ready for a transitional living facility, IOPs provide therapy, counseling, and case management. These rehab programs tend to be more flexible, so policyholders choosing this form of treatment are likely to find a program that fits with their personal schedule.

Intensive outpatient treatment helps recovering individuals stay on track with recovery long after they’ve left inpatient treatment. To learn which intensive outpatient rehab programs near you will be covered by your Blue Cross Blue Shield insurance plan, consider talking to a treatment specialist.

Does Blue Cross Blue Shield Cover The Cost Of Suboxone?

Suboxone is a medication used in opioid treatment programs to help people conquer opioid abuse. Medication-assisted treatment programs using Suboxone are covered by Blue Cross Blue Shield health plans, though coverage amounts vary by plan.

Suboxone is a medication, so coverage for it through BCBS will fall under pharmacy benefits. Allowance for prescription medication coverage greatly varies by plan. Some Blue Cross Blue Shield tiers of coverage may carry no copay or only a small copay for Suboxone, while other plans may come with a larger copay for the medication.

Medication-assisted treatment with Suboxone combined with therapy, counseling, and other proven treatment methods is highly effective at helping opioid-addicted individuals enter recovery. If you are considering Suboxone therapy and you’re worried about the cost, don’t rule out this option before learning what’s covered by your BCBS plan.

Does Blue Cross Blue Shield Cover The Cost Of Methadone?

Medication-assisted treatment with methadone, also called methadone maintenance therapy, is covered by Blue Cross Blue Shield health insurance as well.

Methadone is not only used during inpatient treatment to help curb withdrawal symptoms for opioid addiction, but long-term for managing cravings and helping people stay sober in recovery.

As the oldest medication for opioid treatment programs, methadone may be the most cost-effective and may be fully covered by BCBS health plans. However, it is not the right form of treatment for all. Which medication a person needs should be determined after careful evaluations and consideration of the severity of drug addiction and other factors.

Does Blue Cross Blue Shield Cover The Cost Of Sober Living?

Blue Cross Blue Shield insurance policies may cover the cost of sober living homes, since transitional living can be considered a form of outpatient treatment.

However, which state you live in and which plan you have may affect whether sober living costs are covered by your individual BCBS plan.

Most sober living houses require individuals to be enrolled in some form of treatment, such as a PHP or IOP, be going to school or hold a job, and participate in household responsibilities.

If you or a loved one are in need of addiction treatment and you are unsure what’s covered by your Blue Cross Blue Shield insurance, the first step is to speak with a treatment representative.

Whether you speak to BCBS customer support or contact a treatment specialist, knowing what’s covered by your plan can help you avoid enrolling in a rehab program that’s not covered by or in-network with your plan.

States That Offer Blue Cross Blue Shield Insurance Plans

There are 36 Blue Cross Blue Shield companies in the U.S., and they offer healthcare coverage plans in all 50 states, the District of Columbia, and Puerto Rico.

Because independent Blue Cross Blue Shield companies are licensees, plans may have different names across states.

Here is a comprehensive list of Blue Cross Blue Shields insurance plans by state:

• Alabama: Blue Cross and Blue Shield of Alabama
• Alaska: Premera Blue Cross and Blue Shield of Alaska
• Arizona: Blue Cross Blue Shield of Arizona
• Arkansas: Arkansas Blue Cross and Blue Shield
• California: Anthem Blue Cross; Blue Shield of California
• Colorado: Anthem Blue Cross and Blue Shield Colorado
• Connecticut: Anthem Blue Cross and Blue Shield Connecticut
• Delaware: Highmark Blue Cross Blue Shield Delaware
• District of Columbia: CareFirst BlueCross BlueShield
• Florida: Florida Blue
• Georgia: Blue Cross Blue Shield of Georgia
• Hawaii: Blue Cross and Blue Shield of Hawaii
• Idaho: Blue Cross of Idaho; Regence BlueShield of Idaho
• Illinois: Blue Cross and Blue Shield of Illinois
• Indiana: Anthem Blue Cross and Blue Shield Indiana
• Iowa: Wellmark Blue Cross and Blue Shield
• Kansas: Blue Cross and Blue Shield of Kansas
• Kentucky: Anthem Blue Cross and Blue Shield Kentucky
• Louisiana: Blue Cross and Blue Shield of Louisiana
• Maine: Anthem Blue Cross and Blue Shield Maine
• Maryland: CareFirst BlueCross BlueShield
• Massachusetts: Blue Cross and Blue Shield of Massachusetts
• Michigan: Blue Cross Blue Shield of Michigan
• Minnesota: Blue Cross and Blue Shield of Minnesota
• Mississippi: Blue Cross & Blue Shield of Mississippi
• Missouri: Anthem Blue Cross and Blue Shield Missouri; Blue Cross and Blue Shield of Kansas City
• Montana: Blue Cross and Blue Shield of Montana
• Nebraska: Blue Cross and Blue Shield of Nebraska
• Nevada: Anthem Blue Cross and Blue Shield Nevada
• New Hampshire: Anthem Blue Cross and Blue Shield New Hampshire
• New Jersey: Horizon Blue Cross and Blue Shield of New Jersey
• New Mexico: Blue Cross and Blue Shield of New Mexico
• New York: Blue Cross Blue Shield of Northeastern New York; Blue Cross Blue Shield of Western New York; Empire Blue Cross Blue Shield; Excellus BlueCross BlueShield
• North Carolina: Blue Cross and Blue Shield of North Carolina
• North Dakota: Blue Cross Blue Shield of North Dakota
• Ohio: Anthem Blue Cross and Blue Shield Ohio
• Oklahoma: Blue Cross and Blue Shield of Oklahoma
• Oregon: Regence BlueCross BlueShield
• Pennsylvania: Capital BlueCross; Highmark Blue Cross Blue Shield; Highmark Blue Shield; Independence Blue Cross
• Puerto Rico: BlueCross BlueShield of Puerto Rico
• Rhode Island: Blue Cross & Blue Shield of Rhode Island
• South Carolina: Blue Cross and Blue Shield of South Carolina
• South Dakota: Wellmark Blue Cross and Blue Shield
• Tennessee: BlueCross BlueShield of Tennessee
• Texas: Blue Cross and Blue Shield of Texas
• Utah: Regence BlueCross BlueShield
• Vermont: Blue Cross and Blue Shield of Vermont
• Virginia: Anthem Blue Cross and Blue Shield Virginia; CareFirst BlueCross BlueShield
• Washington: Premera Blue Cross; Regence BlueShield
• West Virginia: Highmark Blue Cross Blue Shield West Virginia
• Wisconsin: Anthem Blue Cross and Blue Shield Wisconsin
• Wyoming: Blue Cross Blue Shield of Wyoming

Paying For Addiction Treatment Costs Not Covered By Blue Cross Blue Shield

Due to copays, coinsurance percentages, daily fees for inpatient treatment, and other costs, your Blue Cross Blue Shield plan may not cover all the costs associated with treatment.

However, cost should not be a deciding factor when considering entering treatment—there are many programs in place and payment options to help addicted individuals get the treatment they need.

Just some of these options include individualized payment plans offered by the rehab center, scholarships, grants, private financing, savings accounts, credit cards, and other private pay plans.

Our treatment specialists can answer any questions you may have regarding your Blue Cross Blue Shield insurance plan, finding rehab centers that accept it, or treatment options. Contact us today for more information.

Updated on July 27, 2020

Written by the Addiction Resource Editorial Staff