Blue Cross Blue Shield Health Insurance for Addiction Treatment
Explore how Blue Cross Blue Shield covers addiction treatment, including inpatient and outpatient services. Find the care you need today.
Blue Cross Blue Shield Health Insurance for Addiction Treatment
Explore how Blue Cross Blue Shield covers addiction treatment, including inpatient and outpatient services. Find the care you need today.
In 1929, Blue Cross Blue Shield (BCBS) was founded. Today, they are a Federation of 33 independent health insurance companies. There are 100 million members across the U.S. that have access to quality healthcare through BCBS plans.
The Federation takes corporate responsibilities seriously and works hard to positively impact healthcare in U.S. communities through the growing number of independent companies that access their network of healthcare providers and facilities.
If you live and work internationally, you can also get BCBS coverage. The BCBS Axis program is the industry’s largest database used to power analytics and insights in healthcare, resting on the concept of better healthcare through bigger data, including data that supports behavioral health services.
Does Blue Cross Blue Shield Insurance Cover Addiction Treatment?
Yes, most Blue Cross Blue Shield insurance policies cover drug rehab and addiction treatment.
BCBS may cover several types of behavioral health services. For example, if you need inpatient and outpatient care, medical detox, therapy, counseling, and aftercare programs to support your recovery journey, your plan may help.
Two federal laws regulate the insurance industry. These laws are the 2008 Mental Health Parity and Addiction Equity Act and the Affordable Care Act. However, there are exceptions to these laws, so it is important to check your insurance coverage before starting treatment.
Typically, an addiction treatment center can help verify your insurance coverage, estimate your out of pocket costs, and answer your questions about the therapy options.
Where Does Blue Cross Blue Shield Offer Coverage
Blue Cross Blue Shield offers coverage across the U.S., including all states, Washington DC, and Puerto Rico. The insurance coverage is provided through 33 independent and locally operated companies. Each one serves a specific region and offers tailored plans to meet the needs and regulations of the local communities.
In addition to domestic coverage, BCBS offers international coverage through the Blue Cross Blue Shield Global network. This provides coverage when you live, work, or travel abroad, and it ensures that as a member of Blue Cross Blue Shield, you have access to healthcare services worldwide.
BCBS has insurance plans in all 50 states through various licensee companies. Learn more about Blue Cross Blue Shield insurance in a few of these states:
This is an ad and Boca Recovery Center – Bloomington is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Boca Recovery was my saving grace. I was given the ultimatum that if couldn’t get clean from alcohol and marijuana, then I would be removed from my children’s lives and have no chance of getting custody back. As an addict I just didn’t see me able to do this alone. I Google searched top rehabs in Oklahoma, and came across Boca Recovery. When I spoke to a recruiter they informed me that the facility was not in Oklahoma, but he told me not to panic. If I was ready, then all I had to worry about was making sure I was going to board on my scheduled flight. It seemed too good to be true, but sure enough they delivered and made sure I made it there safely. As soon as I stepped foot into the facility the staff treated me with the best care. Not only that, but the facility was very well maintained. You’re seen by a nurse the first day, and they set you up with everything you’ll need for the detox process. All therapist and case managers work together to build the best treatment plan that suits the patient/client. Not to mention the food they provide is amazing! Thanks to Boca recovery I have passed every UA since I’ve been out, and am able to be involved in my children’s lives again. Before arriving to Boca I didn’t see any of this being possible. Highly recommend to anyone struggling with addiction!
Mayra Vasquez
1 week ago
BOCA saved my life. It offered me safety, stability, and daily expectations that I needed desperately. From the first day of entering the program the techs were welcoming, understanding, and supportive which eased my anxiety and allowed me to relax. The clinical staff I worked with is amazing and they helped me begin to understand why I needed to be there and pushed me to see that I also deserved happiness and peace of mind. The community that was created during my stay is one that is with me for life. Lifelong friendships have been created and we stay in touch to this day which has been critical for my sense of belonging. Thank you to BOCA in the city of Bloomington, Indiana; you are the starting point to my path of recovery.
81 days and counting.
Aimee
1 week ago
Very understanding and helpful staff. Actually care about you and your recovery. Highly recommend.
This place is god sent. I have been in several trauma centers in Florida and they are the only ones that seem to get it! Great snacks, fashionable donations (including shoes), and even better Techs.
Ive been clean since the holidays due to their new beginnings of sobriety excitement and impressive alumni support system +Nikki. Thanks, Boca 😀.
Beach Beauty
3 weeks ago
Boca is an amazing place. The staff is absolutely amazing. I was fortunate enough to be able to work with Misty and Sondra. From day 1 until the day I left was a complete 180. Misty helped set me up for my next steps, and truly cares and checked in on me to make sure it was the right fit. She got to know understood me as a person and truly knew the right next steps for me to be set up for success. Highly recommend Boca.
Aria Kamyab
7 months ago
I absolutely love this place!!! So much help and healing!!! Great staff!! 10-10 recommendations.
Five-Star ReviewChoosing this design for change treatment center was one of the best decisions I ve ever made. From the moment I walked through the doors, I felt a sense of safety, support, and genuine care that I hadn t experienced anywhere else. The facility is beautiful and peaceful, but it s the people who make this place truly special.One of the standout individuals on the team is Tiffany, one of the directors. Her compassion, professionalism, and unwavering dedication to every individual s recovery journey is something you rarely see. Tiffany doesn t just talk the talk she truly walks with you through the process. Whether it was a rough day or a breakthrough moment, she was there offering insight, encouragement, and a calming presence that made all the difference.The program is thoughtfully designed, blending evidence-based therapy with holistic practices, and the staff are all incredibly knowledgeable and supportive. You re never treated like a number here you re seen, heard, and deeply respected.If you re looking for a place that s not only committed to helping you heal but also to empowering you long after you leave, this is it. I m beyond grateful for my experience, and for people like Tiffany who pour their hearts into the work they do every single day.
salim halabi
2 months ago
Deciding to go and stay at DFC was the best thing that happened too me. The staff and counselors are world class. The education and treatment I received changed my life. Care, compassion, & understanding of my disease from the staff kept me focused on my recovery. I owe my future to this program - and it is looking bright!
Angela Simpson
2 months ago
Wonderful and knowledgeable staff. Nick and Adam are substance abuse counselors who really truly care and their experience was invaluable. This place is truly unique within the recovery community.
I was a client here between February and March of 2025 for the 30 day program. Far exceeded my expectations. I enjoyed it so much and the staff that I decided to do the 3 month trainee program where I m starting my career in recovery. I m very excited to join the team and have a better future for others and myself.
Nicholas Salas
2 months ago
The elevate program was very profound for me as it got to the deep root of my addiction and way I've relapse, I'm grateful to be able to live my life with responsibility and peace thanks to elevate.
This is an ad and Evolve Indy – Indiana Drug & Alcohol Rehab is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Had a great experience there with everyone from the techs to the instructors
jeremy k
1 week ago
This place has save my life in so many ways I love all the techs. This isn't jus a recovery center this is a family love you all at evolve indy
-Amar
Amar Stevedores
1 week ago
This place is a great place to go if you need help with substance abuse or just mental health as well. When I went, I unfortunately didn’t take it very seriously but the people that did take it seriously have been very successful. Kyler was a great mentor while I was there, and he along with the other techs all seem very genuine and honest and willing to help in anyway they can. I am extremely grateful for this place, as well as Kyler especially. I don’t think I would be where I am today without him as a mentor.
Great facility! Nikki was tha absolute best! And still is I’ve been to multiple treatment centers and Nikki is the only one who consistently checks up on me to make sure I’m ok! Would recommend any one who’s thinking about getting clean to start there journey here!
Troy Fauteux
4 weeks ago
When I decided to go into detox , I was ashamed and embarrassed for having gotten to the point of needing it, and intimidated by getting it. The minute I arrived at Boca Recovery Center, all of that went away. The entire staff, from Case Workers to Doctors, Nurses, Coordinators, Therapists, - everyone-- was so professional, kind, friendly, caring , informative, supportive , and helpful. I was so comfortable and my condition improved everyday. It was one of my best decisions to go there and be guided by them to better health. I haven't felt this strong and healthy in 5 years. I thank the people at Boca Recovery Center with all of my heart. Love and mercy to everyone.
Duane.
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid Addiction
Adult Program
Private InsuranceSelf-Pay Options
Jaywalker Lodge is truly a phenomenal facility. It is so much more than that. Treatment centers tend to boast about and claim to be what Jaywalker actually embodies. Jaywalker Lodge is a fully comprehensive recovery community. It is a sacred place of healing that I would emphatically recommend to anyone seeking recovery.
Micah Cook
3 months ago
A great resource for those who can fully commit, especially for those who choose to stay in the area.
Ginny Mills
3 months ago
This is Maxwell Kremin a former and proud patient. I came to Jaywalker after a very bad experience at another treatment facility. Over there, there was a clear focus on money over treatment. This is the exact opposite of Jaywalker. Jaywalker would not spare a dime if it meant that we would have a better experience during recovery. The staff are incredible and the other patients I met were some of the most amazing guys I’ve met in my entire life. If you or someone you care about is dealing with addiction this is hands-down the only place in America to send them if you truly care about them. I extend my sincerest appreciation to all still working at Jaywalker.
I AM SO THANKFUL FOR SYMETRIA AND THE GREAT STAFF.They are very helpful with any questions or concerns you may have about the program They make you feel at easeThey don't judge you it's a really great and safe place to began recovery. I highly recommend symyetriaTo all staff : thanks so much. N.B
Nolan Brown
3 months ago
Symetria saved my life in more than one way. Each member of this team deeply cares about the patient without judgement. Vannah is such an incredible Clinician who truly listens, is an advocate for her patients, and is helping me work through my trauma to heal in a healthy way. I am forever grateful for this entire team: Samantha, Vannah, Dr. Son, the wonderful nurses. Thank you for saving my life and helping me heal.
This is an ad and Boca Recovery Center – Galloway is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
This is an ad and Boca Recovery Center – Huntington is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
This is my first time seeking sobriety. As soon as I walked through the doors, I felt calm and welcomed. The staff are easy to approach and talk to. My peers are welcoming and my new family.
Jesse Bellinger
6 days ago
Boca is a very good experience staff is awesome and very helpful and know what you’re going through.
kyle boyd
6 days ago
Boca was really life changing for me.i learned a lot more here than just about my drug addiction my mental health physical health and more the staff are so motivated to get us better the groups are magical... better than 6 flags itself food is awesome therapist nurses staff and case management r amazing i came in here a sad had nothing going 22 year old 30 days later leaving happier than ever and i learned so much knowledge wisdom from the whole family here at Boca this place is truly a blessing ðŸ˜ðŸ’¯ðŸ¥°ðŸ¥°.I recommend this place to anyone it's amazing I could really go on forever.........once u go Boca addiction will be remembered but erased from ur life....go team Boca👌🤘
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What Types of Policies Does Blue Cross Blue Shield Provide?
BCBS offers a full range of policies across independent insurance companies. The policies are designed to meet the needs of the local communities. This means you may not find every type of BCBS plan in your geographical area.
You can usually buy individual and family plans through the health insurance marketplace for your state. They include a range of Health Maintenance Organizations and Preferred Provider Organizations. You can also find High Deductible Health Plans that can be paired with Health Savings Accounts.
Long term plans in the Marketplace must meet the Affordable Care Act regulations for essential health benefits, including covering treatment for mental health conditions and substance use disorders.
Employer Sponsored Group Health Plans cater to businesses of all sizes. Often, larger employers can acquire more benefits in their policies and have more flexibility in choosing what to cover. These plans may cover essential health benefits, including behavioral health services and chronic disease management.
Government sponsored health plans include Medicare and Medicaid. Blue Cross Blue Shield offers Medicare Advantage plans, Medicare Supplement Insurance, and Medicare Part D prescription drug plans.
Medicare Part D typically covers medication assisted treatment for Original Medicare. Medicare Supplement Insurance helps cover Original Medicare copays and deductibles for inpatient and outpatient care, including behavioral health services. Medicare Advantage plans replace Original Medicare and often offer additional coverage benefits but you generally have to stay in the plan’s provider network.
Specialty insurance plans offer additional coverage beyond standard insurance policies. This might include dental, vision, critical illness, and short-term health insurance.
BCBS also offers international health insurance policies to cover your medical care while you’re traveling or living abroad.
What Types of Inpatient Addiction Treatment Are Covered By Blue Cross Blue Shield?
Most BCBS plans cover the cost of inpatient or residential treatment. During inpatient treatment you’ll be in a clinic or hospital while residential treatment usually takes place in a more home like facility located outside of a hospital. Medical detox may occur in either setting.
In inpatient programs you’ll get around the clock care and support delivered by professional staff. Inpatient care often lasts for several days or weeks while residential care typically lasts 28 to 30 days with some programs running 60 days or 90 days or more.
Insurance plans emphasize medical need as a condition of coverage so you may need a referral and/or preauthorization before you start treatment. Every plan is different so be sure you understand your coverage and out of pocket costs. Also remember that if you go to a facility in your plan’s network you can get maximum benefits for the lowest cost to you.
What Types of Outpatient Rehab Are Covered By Blue Cross Blue Shield?
There are several different outpatient programs that may meet your needs For example apartial hospitalization or day treatment program offers the most intensive care. You may also encounter intensive outpatient programs and general outpatient care.
If you’re in a partial hospitalization program you’ll attend treatment during the day and then return home or to a sober living environment at night. A typical PHP program runs for 4 to 8 hours a day for three to six days a week and lasts 30 to 90 days. You’ll get treatment similar to a residential program including evidence based care and holistic treatment options.
If you attend an intensive outpatient programs you usually get 9 to 20 hours of treatment per week with the hours spread over 3 to 5 days. The program generally lasts for at least 90 days.
In generaloutpatient programs you would visit a clinic or rehab facility one or more times a week. Group counseling and educational sessions on substance misuse and relapse prevention strategies make up the typical program schedule. Individual sessions are often offered as needed and some general outpatient programs include 12 Step peer group meetings.
Does BCBS Cover Suboxone & Methadone (MAT)?
Medication assisted treatment is a common form of treatment used to address alcohol and opioid use disorders with the use of FDA approved medications and counseling. As standard medications for MAT, Suboxone and methadone are often covered under BCBS plans.
Does Blue Cross Blue Shield Cover Mental Health Benefits?
Depending on your policy, you may have access to a range of behavioral health benefits, including those that address mental health and substance use disorders.
Your coverage details including benefits and co-payments along with deductibles and provider networks will vary based on where you live and the plan you purchase. You are encouraged to review your plan’s benefits or work with your addiction treatment center for precise information about your coverage.
Their insurance policies may include inpatient and outpatient mental health counseling and therapy, medications, telehealth services, and case management.
Does Addiction Treatment Need to Be In Network?
Depending on the type of plan you choose you might need to attend an in network rehab in order for the costs to be covered by your insurance.
They offer both preferred provider plans, also called PPO, and health maintenance organization plans. PPO plans let you get treatment from any provider you wish to use and you don’t need a referral. But these plans generally have higher premiums and greater out of pocket expenses than HMO plans.
HMO plans will have a lower monthly premium, but the cost savings come with some tradeoffs. You’ll need to see a provider that’s within the plan’s network and you generally need a doctor’s referral to see a specialist such as an addiction counselor. HMO plans usually do not cover out of network care unless it’s a life threatening emergency.
How Much Does Addiction Treatment Cost Without Insurance?
If you don’t have private insurance you can still find affordable addiction treatment. Most states and many counties have government funded substance abuse treatment programs and you can find information about them on the state or county website. These rehabs might have longer waiting periods for admission and you won’t find luxury amenities but you can get the treatment you need for free or at a very low cost.
Other ways to afford addiction treatment include using scholarships which are sometimes available from treatment centers or advocacy groups such as LGBTQ+ groups. Ask the rehab you are considering whether they have these options. Also find out whether the rehab offers sliding scale reduced fee options. Finally if need be you might consider using a credit card to pay for your addiction treatment or you could borrow money from family or friends.
The most important part is getting the care you need so take the time to be diligent and creative in searching for funding options.
Calls to any general helpline will be answered or returned by a paid advertiser.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.