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:

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Addiction Centers That Accept Blue Cross Blue Shield

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    Avenues Recovery Center at Lake Ariel

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    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
    2
    Top 10 Rehab In Pennsylvania
    4.8
    (297 reviews)
    Check iconClaimed
    Clients seeking treatment for alcohol addiction may be required to undergo detox first. The detox process ensures any abused substances are out of a client’s system and that they are in a healthy frame of mind when they enter residential treatment. Detox is overseen and closely monitored by medical staff. The residential program takes clients
    View Website (570) 354-6060
    This place has changed my life. I have never been to a rehab like this. From the counselors to the staff, everyone has been welcoming and so helpful. I have learned a lot and will put it to good use on the outside. So happy i came here and highly recommend it to anyone seriously looking for recovery from this hell that wants to overtake our lives.
    Monika Egan
    2 weeks ago
    Avenues did the job for me! As this was my first time in Rehab it was the best choice to go for recovery journey. The Staff (EVERYONE OF THEM) was AMAZING, caring and supportive.. The Community was nothing but the best and very welcoming..
    Amanda Kovaleski
    3 weeks ago
    I went in just to look good for court and had no plans to stay sober and I left with the passion and motivation for my recovery and sobriety
    Tate
    3 weeks ago
    Avenues Recovery Center at Lake Ariel PA 18436
    5
    5
    The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 1 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 2 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 3 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 4
    1
    Top 10 Rehab In Texas
    5.0
    (61 reviews)
    Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. The CARF accredited clinic offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outpatient program (IOP), one on one
    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 symyetria To all staff : thanks so much. N.B
    Nolan Brown
    6 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.
    Rhean Wren
    11 months ago
    Van is the best, and super sweet and helpful.
    Allison Richards
    11 months ago
    Symetria Recovery - Hurst TX 76054
    5
    5
    The facilities at Symetria Recovery - Hurst in Hurst, TX 1 The facilities at Symetria Recovery - Hurst in Hurst, TX 2 The facilities at Symetria Recovery - Hurst in Hurst, TX 3 The facilities at Symetria Recovery - Hurst in Hurst, TX 4
    1
    Top 10 Rehab In Pennsylvania
    4.8
    (286 reviews)
    The Steps To Recovery addiction treatment center is situated in Levittown, Pennsylvania. At this drug rehab center, patients can expect to engage in a unique treatment approach that focuses on helping individuals recover through authenticity, intimacy, community connection, and transparency. Steps to Recovery offers a serene and private environ
    STR and its staff has truly played a pivotal role in guiding me through life struggles past and present.
    Vincent DAngelo
    2 weeks ago
    STR has been a very special experience. Normally I’m very uncomfortable being in groups while talking about personal issues, but this place has made it very easy to open up!
    Matthew Reilly
    3 weeks ago
    STR has an amazing community from staff to clients!
    Ava Fife
    3 weeks ago
    Steps to Recovery PA 19056
    6
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    The facilities at Steps to Recovery in Levittown, PA 1 The facilities at Steps to Recovery in Levittown, PA 2 The facilities at Steps to Recovery in Levittown, PA 3 The facilities at Steps to Recovery in Levittown, PA 4
    1
    Top 10 Rehab In California
    4.8
    (299 reviews)
    Located in Watsonville, California, Elevate Addiction Services provides alcohol and drug rehab services to men and women suffering from addiction. Their levels of care include detox, inpatient treatment, and outpatient treatment. Elevate Addiction Services provides a wide continuum of care that meets each person where they are in their recovery pro
    I learned so much from my program at elevate. They gave me an opportunity to change my life for the better. I would recommend elevate to anyone struggling with addiction.
    Ariana Kramer
    2 weeks ago
    Elevate has changed my life. I have learned how to cope with intense emotions without substances. The full program has not only made me look forward to sobriety, but has made me look forward to living my life confidently and well-balanced.
    Aaron (ATST77)
    2 weeks ago
    This program really helped my daughter get sober by giving her the tools she needed to figure out that she was only harming herself. My daughter recently graduated from Elevate and has roughly past her 100th day sober and it’s been a big turn around and we are so grateful for the program and happy to have our daughter back home she’s much happier and interacts with the family more unlike before. I can’t thank all of the staff at Elevate for all the patience, understanding, and guidance they gave her.
    VERONICA GONZALES
    3 weeks ago
    Elevate Addiction Services CA 95076
    5
    5
    The facilities at Elevate Addiction Services in Watsonville, CA 1 The facilities at Elevate Addiction Services in Watsonville, CA 2 The facilities at Elevate Addiction Services in Watsonville, CA 3 The facilities at Elevate Addiction Services in Watsonville, CA 4

    Avenues Recovery Center at Fort Wayne

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    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
    2
    Top 10 Rehab In Indiana
    4.8
    (562 reviews)
    Check iconClaimed
    Situated in Fort Wayne, Indiana, Avenues Recovery Center is a modern, hotel-like addiction treatment facility. They offer a full continuum of care from inpatient detox, residential, medication-assisted treatment (MAT), outpatient and aftercare programs. They have a 95% long-term sobriety success rate. Residential treatment can begin with detox if n
    View Website (260) 235-5900
    Avenues Recovery Center have me hope when I felt like I had nothing left to fight for! All of the staff and therapists were amazing!
    Lindsey Huffine
    2 weeks ago
    I have had a great experience with Avenues!
    James Williams
    2 weeks ago
    Very nice caring staff really helpful in so many ways I thank them for saving my life
    Kris King
    2 weeks ago
    6
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    Avenues Recovery Center at Fort Wayne IN 46807 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 1 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 2 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 3
    1
    Top 10 Rehab In Florida
    4.9
    (304 reviews)
    Boca Recovery Center is a comprehensive drug and alcohol treatment center in Boca Raton, Florida. Their Boca Raton location is actually their administrative office so they don’t administer treatment here directly but this is the place you call as a starting point for your recovery. They’ll help you figure out which of their programs is the best
    This whole team was extremely supportive when my loved one was in crisis. They walk you through every step of the way with care. I highly recommend if you have anyone struggling with drug or alcohol addiction.
    Jennifer Luppens
    1 month ago
    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 months 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
    10 months ago
    Boca Recovery Center
    12
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    1
    Top 10 Rehab In New Hampshire
    4.8
    (245 reviews)
    Plymouth House is a drug and alcohol addiction recovery center in Plymouth, New Hampshire. The Plymouth House is a retreat that serves adult clients with a process rooted in health in the 12 step program utilized by Alcoholics Anonymous. They are a private facility with residential amenities. Plymouth House sits on 60 private acres near the Whi
    I think I pissed off everyone that works here, but that's my stuff. Some of the best people I'll ever meet, even if just briefly like the speakers, I met this summer at the Plymouth House. Thank you specifically to David, to Adam, to Joe, to Hillary, to Carolee, to Tallya x a million, to the techs(Finn, Matt, Chelsea, Sam, Devin .. you really made me feel like it was okay when I was wigging out). And thank you to the monitors. There is always more work to be done, but I am sober. I make my bed everyday. I am grateful. ETA - thank you so much to the chefs, you pour your heart out and it shows. The boy from Alabama (Nate, I think?).. You are very talented, the boy that rocks the Atlanta gear, I was so impressed that you made donuts from scratch... But the female chef... Girl your knife skills and efforts are seen. It's a lot of work what yall are doing every day and I see you.
    Jessica Serio
    1 month ago
    This place quite literally saved my life. I struggled for many years with substance abuse. I tried for several years to get clean on my own but was never successful. I have nothing but great things to say about the Plymouth House if you are serious about wanting to heal yourself. Detox and Rehab are never an easy decision. You know that you want to better yourself but the process is never an easy one. The staff and clinicians at PH are very understanding non judgemental. Some have been in the trenches at times which makes the care and help they offer much easier. The food is great and they are truly genuine across the board not to mention you couldn't ask for a more tranquil environment to heal yourself. No better place to assist you on your journey to recovery
    Chad
    1 month ago
    The Plymouth House will always hold a special place in my heart and memory. It was my first treatment center and I am forever grateful for the respect and dignity I was treated with. I would love to come back and speak at an alumni meeting.
    Ben Kennedy
    1 month ago
    5
    5
    2
    Top 10 Rehab In New Jersey
    4.9
    (374 reviews)
    Legacy Healing Center Cherry Hill is a Joint Commission accredited luxury outpatient rehab in Cherry Hill, New Jersey. They welcome adult men and women seeking a comfortable space for addiction and co occurring disorder recovery. You’ll benefit from comprehensive care to hone in on recovery and gain a new outlook on life. Their programs offer
    For anyone wondering whether or not they need to seek treatment, if you’re asking yourself that question then you likely do. Legacy will help you through every step of the process including getting you a ride to detox or the airport if you need it. They will set up your flights. They will check in on you through every step of the way and when you arrive you are in good hands. Don’t be afraid to ask for help, I was five years sober without seeking help and I still picked the bottle back up. You’ll learn to open up here and the weight that comes off your shoulders can’t be put into words. The houses you stay in truly are like a family. You won’t be judged for who you are.
    Quentin Reintjes
    3 weeks ago
    Legacy has provided a great experience thus far and has me on track and pointed in the right direction for continued prolonged success. The staff have all been fantastic. They are understanding, relatable, and passionate about their work and the successful futures of everyone that walks through their doors.
    Robert J. Yudt
    3 weeks ago
    Clinical help is professional and very helpful. I have 50 years of addiction and this is my first ever PHP experience. I am grateful.
    Paul Mayer
    3 weeks ago
    Legacy Healing Center - New Jersey NJ 8034
    6
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    Boca Recovery Center – New Jersey Drug & Alcohol Rehab

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    1
    Top 10 Rehab In New Jersey
    4.9
    (426 reviews)
    Boca Recovery Center – Galloway is a drug and alcohol rehab in Galloway, NJ. They provide inpatient addiction treatment and medical detox. Boca offers residential addiction treatment, medical detox, and medication-assisted treatment in an immersive treatment setting set on the Jersey Shore. This facility offers 24-hour medical care and medicati
    View Website (609) 270-3068
    Had a great experience here the staff was so helpful and welcoming
    Kylie Rucker
    3 weeks ago
    I had an amazing experience at Boca. The staff was very nice. My therapist Mikaela was great and very helpful.
    Ben Kenuk
    3 weeks ago
    Nice facility and place to get clean. Good food also and great staff.
    Adam L
    3 weeks ago
    Boca Recovery Center - Galloway NJ 8205
    7
    7
    Boca Recovery Center Galloway NJ, exterior with brand sign Boca Recovery in Galloway, NJ front door exterior Boca Recovery Galloway, NJ dining room interior
    2
    Top 10 Rehab In California
    5.0
    (98 reviews)
    Design for Change is a drug rehab facility located in Lancaster, California. The center offers treatment for substance use disorder, alcohol use disorder, opioid use, chemical dependencies, and co-occurring mental and behavioral health disorders. Design for Change provides detox, medicated-assisted treatment (MAT), residential inpatient treatment,
    This was my second tine in DFC outpatient treatment, the reason I chose DFC was their teaching, there, client, and the friendly environment. I have been to many treatment centers in my past when I knew in my heart I was serious about recovering from drugs and alcohol. There was no other place that I wanted to go other than Design For Change. They give group and individual counseling tailored for the individual which helped me tremendously. They help me find out what I want and how to go about getting it in the group setting they don’t allow disturbances. They make sure everyone is focused. An attentive, which makes it easy to learn. DFC, my wife says thank you for giving her her husband back.
    Steven Jackson
    2 weeks ago
    I have attended the Family Workshop many times. It is so amazing and has helped me so much. Dealing with addicted loved ones is so hard. You must have a support system to help you navigate all of the scary, stressful heartbreaking realities of this disease. The Design For Change staff have become like family to me. I know I can call on them when I need advice, someone to listen or just a shoulder to weep on. They understand and are always willing to help. I feel so very blessed to have found them. I wish every suffering addict and their family members would come to DFC for support and help. I am stronger and definitely more educated in dealing with my addicted loved ones one. If you are suffering from addiction or have a family member or loved one who is an addict, there is hope and help at DFC!
    Regina Linton
    1 month ago
    Design for Change is great. Very helpful, staff is supportive and real. Consuelo is the best! They really care about their clients. I went there, and received good advice, and outstanding treatment. Thank God for DFC
    S W
    1 month ago
    Design for Change CA 93535
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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.

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