While many people focus on different types of drug abuse, alcohol abuse remains a major problem in the country. Approximately 17 million American adults, aged 18 and older,have alcohol-related disorders or have been dependent on alcohol. In 2012, nearly 855,000 adolescents, ages 12–17, had reported similar dependency problems. In the US, roughly 88,000 deaths were linked to preventable alcohol-related incidents. Alcohol addiction is a condition that can range from mild to life threatening. Like all substance dependency problems, alcohol addiction can be cured through rehabilitation. Fortunately, several insurance providers today offer treatment coverage for substance addiction whether from alcohol or drugs.
Does Blue Cross Blue Shield Insurance cover alcohol addiction rehab?
Blue Cross Blue Shield does cover rehabilitation treatment for alcohol abuse. There are dozens of BCBS coverage policies for alcohol rehab
which are offered to millions of individuals across the country. With a proven track record, the BCBS has covered addiction treatment for alcoholism
, and other substance dependency problem, for many of those in need. Additionally, it specializes in covering rehabilitation for adolescents, female patients, and those who are diagnosed with co-occurring mental disorders, known as dual-diagnosis. Each insurance plan, however, can differ from others. They offer different levels of rehabilitation, may have a range of costs, and varied types of individual treatment options.
What services does Blue Cross Blue Shield cover?
Though there’s a wide selection of alcohol rehab coverage under Blue Cross Blue Shield
, the amount of treatment services available for you may depend on the state you live in and the plan you chose. Credible rehab facilities across the country can help you identify the extent of your coverage plan, which may include:
- Inpatient Treatment Care
- Outpatient Rehab
- Private Addiction Treatment
Does Blue Cross Blue Shield cover Residential or Outpatient Alcohol Rehab Treatment?
Blue Cross Blue Shield offers residential or outpatient treatment to BCBS plan holders who are recommended by a physician to attend the treatment programs. While recommendation is based on a physician’s diagnosis, the authorization to cover the treatment will depend upon your insurance provider. Inpatient treatment may offer a higher success rate than outpatient care. This is especially true if you have completed the treatment course set for you, such courses usually last up to 90 days. Outpatient treatment, on the other hand, provides the benefit of comfort and flexible treatment schedules. This care allows the patient to maintain previous outside responsibilities such as attending school and work.
How long will Blue Cross Blue Shield cover your alcohol addiction treatment?
Alcohol addiction is a complex disease which affects people in a variety of ways. Thus the amount of time needed to recover varies from person to person. For this reason, Blue Cross Blue Shield considers many factors when it comes to private addiction treatment. Instead of covering a set length of time, BCBS insurance coverage alcohol
will cover a portion of an individual’s costs accumulated by their stay in rehab. The amount covered will depend on the patient’s level of coverage and deductible. Patients may enjoy a longer stay in rehab if they choose an affordable treatment facility or if they have employer coverage for alcohol rehabilitation
Does Blue Cross Blue Shield pay for private or luxury alcohol rehab?
Blue Cross Blue Shield does cover specialized treatment benefits for alcohol addiction. This may include private or luxury rehabilitation. However, the costs of this type of treatment are obviously higher than the traditional facility. It’s important to remember that insurance companies don’t cover the full treatment cost. Luxury rehab patients will be responsible for the majority of treatment costs.
How much does Blue Cross Blue Shield Insurance cover for alcohol rehabilitation?
If you have Blue Cross Blue Shield coverage for alcohol rehab
, it will make a huge difference in the amount you pay for your treatment. In the sample computation given on the website Blue Cross Blue Shield Minnesota, you have a medical bill of $50,000, your annual deductible is $5,000, coinsurance is $20%, and annual maximum out-of-pocket is $6,000. In this example, you’re required to pay your deductible of $5,000 before your provider will pay for your treatment costs. Afterwards, you will pay the coinsurance, this amounts to 20% of treatment cost, up to your maximum out-of-pocket amount. This means, you only pay $2 for every $10 of treatment costs until you reach your maximum annual out-of-pocket, in this case $6,000. Your insurance provider will then pay for the remaining amount of your bill.
What if I don’t have insurance for Alcohol Rehab?
If you don’t have a BCBS insurance coverage plan for alcohol
, or any other insurance plan, it doesn’t mean you’re out of options. There are options you can look into to help pay for your treatment costs. You can reach out to various non-profit organizations or public rehab facilities. Scholarships and payment plans are also available to help you afford your treatment.
Verifying Blue Cross Blue Shield Insurance Coverage for Alcohol Rehab
Benefit coverage contains important information including coverage level, co-payment, deductibles, and co-insurance, therefore members will be required to provide a member’s ID card to guard against theft. BCBS plan holders who want to verify insurance membership and coverage may directly contact our helpline at 877-257-7997
. Our team of knowledgeable representatives will be pleased to provide you with an accurate and fast service verifying your coverage.
Get help today!
If you are a plan holder under Blue Cross Blue Shield who is looking for a trusted and reliable rehab center in the country, we can help you find the information you need. With a wealth of flexible options regarding alcohol addiction treatment available, there’s a better chance of abstaining from alcohol addiction. Numerous rehab facilities are present across the country, which gives every patient in need a place to turn for help. Different insurance providers are in partnership with several trusted rehab centers and will provide the help each struggling individual needs.
We can help you find the information you need.
If you want to more information regarding your Blue Cross Blue Shield healthcare insurance coverage, you can contact us anytime at (877) 257-7997
. Our team of knowledgeable representatives will be pleased to help you with your concerns. Change is definitely possible, let us help you find the most appropriate treatment center and medical care for your unique situation. Together we can beat addiction.