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 – 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
1 month ago
Boca is a very good experience staff is awesome and very helpful and know what you’re going through.
kyle boyd
1 month 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 😭💯🥰🥰.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👌🤘
This is an ad and Indiana Center For Recovery – Alcohol & Drug Rehab 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
Caitlyn was awesome. I had a wonderful hete at ICFR. THANKS TO ALL
John Kendall
1 month ago
My experience at ICFR Bloomington, has far exceeded my expectations! The campus is beautiful, you can actually be outside in nature while walking to classes. The facilities are very clean and well maintained. There is snack foods available 24/7, with three hot meals daily. They have everything you need while you’re here, if you forget anything at home. Pack like you’re on vacation! This is not a typical facility, as they offer much more freedom and actual apartments to live in. The programs they offer are amazing too! I learned so much more in my time here than anywhere else I’ve been.
Thank you ICFR!!
Ashley Vincent
1 month ago
Wonderful place and the rec center is awesome!! I especially love the staff.
This is an ad and Avenues Recovery Center at Metairie 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
I have been to several Rehab centers. This the best Rehab I have been too, the Counselors, are excellent. The Clinical Director Donna, is Great. She has a zero tolerance for Foolishness. The groups, are engaging and deal with the coor of the clients addiction.
Edward Woods
1 month ago
Attending extensive care at Avenues Metairie has been very beneficial for my recovery. I have learned so much from the groups and I feel like I've been challenged in positive ways that will help me stay sober and maintain a healthy lifestyle.
Jessica Sciortino
1 month ago
Counseling and group therapy are the best things about this place in my experience. The staff is friendly and supportive. If you apply yourself and are willing you will be able to learn a lot. An except first step in recovery. Nursing and mental wellness are some of the best I’ve received. Very caring and supportive. 10/10
This is an ad and Avenues Recovery Center: Drug & Alcohol Rehab – Eastern Shore 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
Staff has a TON of knowledge an truly cares an wants you to be the best version of you. I truly appreciate the Love I felt!!!!
Henry Plonski
1 month ago
This place truly saved my life I never thought of it helping me but the facilitators really care about the people holly really goes to the ends of the earth much love
Kamron Wright
1 month ago
I came to avenues a broken soul. I didn’t love myself or anybody else. I did not want to live anymore. I have been to 5 star rehabs with private chefs and rooms that look like the four seasons and those places have nothing on avenues Cambridge. This place is truly amazing and that’s coming from a dope fien. I’m no longer a slave to my addiction and I will forever love avenues, holly is the alumni cordinatoor and she is amazing I definitely recommend coming here if your struggling
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I want to give Avenues a huge Shout out! Sarah was my counselor. She was amazing! Saw me at my worst! I give them my my life!
Max Sonnino
2 months ago
The best recovery center hands down staff and counselors genuinely care about you and your sobriety and it's a very comfortable place to be for your recovery I know a lot of people say that but I truly do mean it from the bottom of my heart thank you 🙏🏾 so much avenues for the tools you have given me for success
Korey Willis
3 months ago
I had a great time at avenues I stayed 60 days and graduated it was well needed
This is an ad and Banyan Palm Springs 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
I learned a lot of coping skills to help me with my recovery. the fellowship the I found as well really helped as well. Great staff and great people.
Adrian Delgado
2 months ago
This was my first time in treatment and I will say I am very grateful for the opportunity to be in treatment. I found my authentic self and I will never be anything but. Thank you for giving me the opportunity to grow and continue to grow.
Donn Wilson-Greiner
Donald Wilson-Greiner
2 months ago
Great experience. Got plenty of tools to keep me sober. And a great out patient option that'll work for me when I head home. Thank you very much to the staff and my case manager. I greatly appreciate all that was done for me♥️
This is an ad and Avenues Recovery Center at Lake Ariel 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
When I got to Avenues I was broken. The counselors and the staff was great especially Tyler, thank you for all that you do.
Misha Lopato
1 month ago
This facility us amazing. Shout out to Bria Lydia Dave kamisha Ryan makayla Joey Joe Cassie and all the rest. The only complaint is that the facility is not accessible for the handicapped.
Mlynda Schmitt
1 month ago
10/10 recommend Avenues. An amazing community with great staff that care about your growth. You won’t be disappointed!
This is an ad and Asana Recovery: Drug & Alcohol Rehab In California 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
Amazing residential home! Or at least the one I was at in Huntington beach. Love the food, staff, nd they also helped me get a job towards the end of my treatment!!
Cassie Lee
4 months ago
Definitely recommend this treatment center !!
Brittany Jefferson
4 months ago
This residential treatment has honestly helped me so much to be a better person. Everyday is a struggle but this place really helped start me on the right path. The techs are amazing and go out their way to help me out. Admission was quick and easy and had so much patience. Thank you so much
This is an ad and Avenues Recovery Center at Fort Wayne 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
Avenues helped save my life they were so personable and helpful and made sure I had somewhere safe to go when I left there and the Avenues alumni is absolutely amazing I would recommend to anybody who is struggling with their addiction who is seeking help this is a wonderful place
Reagan Schorey
1 month ago
Avenues helped me out so much the staff were helpful and my therapist Ms. Linda was awesome. If you need a rehab come here.
Hannah Fairley
1 month ago
Avenues has a great place for me and my recovery. The staff is excellent and the food is good. The whole atmosphere is good for some one trying to get clean. I also would like to thank Lee, Travis, Kelsey, Nick, and the whole nursing staff!
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Frequently Asked Questions
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.
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