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Blue Cross Blue Shield Health Insurance for Addiction Treatment
Blue Cross Blue Shield is one of the largest health insurance networks in the country, and many BCBS plans include coverage for substance use disorder treatment. Understanding what your plan covers, from detox and inpatient rehab to outpatient and aftercare services, can help you take the next step toward getting care. Use this guide to learn how BCBS addiction treatment benefits typically work and how to verify coverage for yourself or someone you care about.
Blue Cross Blue Shield Health Insurance for Addiction Treatment
Blue Cross Blue Shield is one of the largest health insurance networks in the country, and many BCBS plans include coverage for substance use disorder treatment. Understanding what your plan covers, from detox and inpatient rehab to outpatient and aftercare services, can help you take the next step toward getting care. Use this guide to learn how BCBS addiction treatment benefits typically work and how to verify coverage for yourself or someone you care about.
Since 1929, Blue Cross Blue Shield (BCBS) has provided health care coverage to millions of Americans. Today, BCBS is a federation of 35 independent, locally operated health insurance companies. Across all 50 states, Washington, D.C., and Puerto Rico, 118 million members have access to quality health care through BCBS plans.
The federation takes corporate responsibility seriously and works to positively impact health care in communities across the U.S. Through its growing network of independent companies, BCBS connects members to a broad range of health care providers and facilities, including those specializing in behavioral health and substance use disorder treatment.
If you live and work internationally, BCBS coverage may also be available to you through the Blue Cross Blue Shield Global Core program. The BCBS Axis program serves as a large-scale data and analytics platform designed to support better health care decision-making, including insights that support behavioral health services.
By Rita Milios
Rita Milios, The Mind Mentor, is a recently retired psychotherapist, freelance author (recovery, mental health, spiritual growth), seminar leader, and podcaster from Kissimmee, FL. She provided counseling in rehab facilities in Ohio and Florida, as well as in her private practice. Rita also served as a DOT Substance Abuse Professional (SAP) consultant.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis
Adult ProgramProgram For MenProgram For WomenYoung Adult Program
Private InsuranceSelf-Pay Options
This is a Great place to detox. Staff is so friendly and helpful. Most have come through this program and have stayed sober. There is food to food to eat and great speakers that help you learn about yourself and your addiction alcohol or drugs. Make the choice and take over your life again!!
Morris Herbert
6 days ago
I’m so happy I choose to come here. I’ve learned so much being here about my addiction and myself in general. The staff, the nurses the group therapy were all amazing. I’m going to miss the people in here I met. Thank you Kristina, KERMIT, Kate thank you Carlos, Theresa, LACEY, RICKY, CiCI, SAM, JESS nurses Chris Ashley ALL OF THEM! God bless yall!! Love you all I’ll miss you
Nisha Lacondrata
1 month ago
I had a great experience at All In Solutions Treatment Center. The staff was incredibly caring, supportive, and genuinely invested in my recovery. I learned a lot about myself and gained tools I can carry with me moving forward.
The facility was comfortable, the care was excellent, and the overall environment made it easy to focus on getting better. I also have to give a huge shoutout to the chef—the food was outstanding.
I’m very grateful for my time at All In Solutions and would absolutely recommend it to anyone looking for compassionate, high-quality treatment.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Avenues has absolutely changed my life, the staff is amazing and I know I’m in much better place having been here. Thanks!
Jeff Cline
1 day ago
My experience at Avenues Lake Ariel was amazing. The staff were very professional and cared about my sobriety and my mental health. I appreciate my counselor Val. She helped bring out I all of the things that I was afraid to talk about and to be vulnerable in a group setting. I would definitely recommend this place for recovery.
I’m back at Avenues after a relapse after 6 months sober. The staff welcomed me back with open arms. All the staff was amazing g and made me feel comfortable. The knowledge I’ve learned was a great foundation towards sobriety as long as I work the program for life. I would still recommend this program to anyone e who is ready to change their lives.
Deiah Farley
5 days ago
Great staff, very informative, empathetic, and welcoming. My counselor Emily was great, and the rest of the technicians and medical team were amazing and available for any needs that arose. This was my first rehab experience and I definitely recommend it.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Adult ProgramYoung Adult ProgramLGBTQ ProgramTeen Program
Private InsuranceSelf-Pay OptionsMedicareMedicaid
I have been in and out of treatment for 15 years, and this is by far the best recovery center I have ever been to. The staff genuinely care about every client and their well-being. They aren’t just out for money or treating people like another number—they truly want to see you heal, grow, and succeed. I have felt supported, understood, and cared for throughout my time here. Recovery is not easy, but this center has given me hope and the tools I need to build a better life. I’m incredibly grateful for this place and would recommend it to anyone who is ready to make a change.
Tara R.
1 month ago
I would not be where I am today without the help of Recovery Unplugged. I had two 30 day visits with them back in 2019 before moving on to a 90 program in Arizona. Everyone was friendly and you felt like you actually mattered. The musical component of it all was life changing and is still a huge support in my life today. It's outside of the box recovery and if you are looking for a place to start, this is it. I'm coming on six years of sustained recovery and now hold a masters in divinity while thriving in Tucson. AZ. None of this would have been possible without Recovery Unplugged and I could not be more grateful for all they provided in early recovery.
Jay Newman
2 months ago
The program and support is great, but once you finish no resources are provided. No follow-up with patients. They are all about profit. The providers can't even provide outside resources. This should be a warning sign they are out to make money.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance AbuseMental Health And Substance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private insuranceSelf-Pay Options
I cannot say enough wonderful things about Ms. Karen at All In Solutions. She has been an incredible therapist and a true blessing throughout my journey. Her compassion, patience, understanding, and genuine dedication made me feel heard, respected, and supported every step of the way. She has a special way of making you feel comfortable opening up, even when discussing the hardest parts of life. Her guidance, encouragement, and wisdom have helped me see things differently and continue growing into a better version of myself. I am truly grateful for everything she has done for me. Ms. Karen is more than just a great therapist; she is someone who genuinely cares about the people she helps. All In Solutions is fortunate to have someone like her. I will always appreciate the positive impact she has made on my life. Thank you, Ms. Karen, from the bottom of my heart!
Ray C
1 week ago
My time spent at All In Solutions Treatment Center was an important part of my recovery journey. During my stay, I had the opportunity to focus on myself, understand my addiction, and begin making positive changes in my life. The experience helped me realize that recovery is possible when I am willing to be honest with myself, accept help, and put in the work. Just want to shout out my fav alien ever ERICA at the front desk she made my day easier and she is so fun. If your having a bad day she will for sure make your day better. My therapist Ms. KAREN is definitely an angel sent from above. She will get you where you need to be. The best group to be in is MADDIE'S group she run family dynamics. It's a good group and i would recommend her group to anyone. My case manager ANTHONY is the bomb he gets stuff done.
I am grateful for the support, guidance, and lessons I received throughout my time there. The experience gave me a better understanding of myself, my behaviors, and the changes I need to make to live a healthier and more fulfilling life.
raymond campbell
1 week ago
I would like to take a moment to recognize Ms. Karen Caston at All In Solutions for the extraordinary therapist and individual she is.
As the aunt of a former client, I cannot express enough gratitude for the compassion, professionalism, and genuine dedication Ms. Karen demonstrated throughout my niece’s time in the program.
Ms. Karen is an exceptionally knowledgeable, highly educated, and emotionally intelligent professional who brings a rare combination of clinical expertise and genuine humanity to her work. It is evident that she does not simply view her position as a job, but rather as a calling to make a meaningful difference in the lives of those she serves.
What sets Ms. Karen apart is her ability to make her clients feel genuinely heard, understood, respected, and valued. She takes the time to understand each individual beyond their circumstances, creating an environment where trust can be established and true healing can begin.
Perhaps the greatest testament to her impact is that Ms. Karen was the primary reason my niece chose to remain in the program. During moments when she questioned whether continuing treatment was the right decision, it was Ms. Karen’s unwavering support, encouragement, and genuine investment in her well-being that gave her the confidence to continue.
As a family member, knowing that someone truly cares about your loved one’s emotional well-being and personal growth is invaluable. Ms. Karen provided that reassurance through both her words and her actions.
Professionals like Ms. Karen are an incredible asset to the mental health and recovery field. Her intelligence, integrity, compassion, and commitment to her clients deserve the highest level of recognition.
All In Solutions is extremely fortunate to have someone of her caliber on its team. I sincerely hope her dedication does not go unnoticed, because therapists like Ms. Karen are the very reason individuals find the strength to continue their journey toward healing.
Thank you, Ms. Karen, for being a source of stability, encouragement, and genuine care when it mattered most. Your impact extends far beyond your clients and reaches the families who love them.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
symetria helped me get on the right track and the staff and nurses here are so sweet and they actually care unlike other MAT clinics
F C
1 month ago
Symetria is like a second family for me now and Mrs. Debrah , who runs the center is always awesome and also Mrs. Callie is my counselor and a great one at that! Come to Symetria if you need help you’re not alone they will treat you like your one of them. And the front desk lady Michelle is so sweet that she won’t let you miss a does so she calls every patient everyday in case you forgot so u don’t suffer!
Krystina Hubbell
1 month ago
I have been in the DARKEST place for so long. Symetria was my saving grace. My counselor Callie (my saving grace) showed me that I actually really do matter and gave me a sense of belonging for the FIRST time in my life! She truly cares and has helped me in so many ways that I can't thank her enough. If it weren't for her, I'm not sure where I'd be in life right now without her. Ms Callie, if you see this, thank you again. To all of the concerned mothers/fathers out there, I promise you, this is the best methadone clinic in the United States. Thank you for taking the time to read my comment, I promise I wouldn't steer you the wrong direction. <3 Please take into consideration coming to Symetria. I finally have hope.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Hi I’m beau Crispen I jsut checked out of in patient care at bracebridge hall, I stayed for 33 days, my “first” day I was scared of what was going to happen and go on daily, until a buddy showed me around and got me well adjusted in just a few minutes, the staff was very friendly when I arrived which improved my terrible mood, my first full day I was starting to understand everything very well, throughout the course of my stay I got to get to know almost every single person in the facility very well, patients and staff, I enjoyed the talks I had with my therapist Mr. Grapes, my mental health was addressed and my addiction was addressed, I got more out of that program than I have in almost everything I’ve done in my life, I am fully onboard with being in recovery for as long as I live, I’d only come back to bracebridge hall to speak, or work, I would love to shoutout Dan, Bryan, Gus, Tammy, Barbara, Chris, Brandy, Rachel, Heather, Nurse Ashley, Shabon, Christine, Alexis, honestly all of the staff for nursing, RSS, all of the group facilitators, I feel as if I can truly express my emotions safely and in a way where I know real feeling words, near the end of my stay, I got worried and scared of what was going to happen to me when I returned to my command, my therapist and other patients that were having the same feeling helped me not be so scared, I got real true help from great people who actually care and treat me like a genuine human who has emotions, this facility works miracles in ways I can’t even explain, if you’re looking for a rehab this is the place to go, but you truly have to give it your all, listen, go to classes, find a higher power, treat yourself with kindness, give yourself daily positive affirmations, I’m only 21 my “drinking life” barely began but I’ve struggled with addiction and alcohol since I was 15, my first sip was 5 years old, my first vape puff was 8, my first cigarette was 10 my addiction didn’t really start until I found certain substances that helped fill a void in me, now being sober there’s only a void recovery can fill and I learned all of it at bracebridge, most days you need to take the cotton out of your ears and put it in your mouth which means shut the hell up and listen, what you think might not help may just save you down the line in recovery, the love I have for this place is out of this world, most times I would say words cannot describe something but only words can get the message across and this facility deserves all positive words from me, thank you for helping me get clean and sober as well as lead me on a long road to recovery hoping for a lifetime, can’t wait to come back as alumni and hit some meetings!!!
Kevin Frost
1 week ago
Outstanding support, staff, and facilities. Went above and beyond to help me begin my recovery!
Kevin Palensky
2 weeks ago
My Wife received her treatment at Rca Bracebridge. I wish I could give more stars!
This was a very hard time for our family. Rca employees made the entire process so comfortable. I was able to get updates& contacting staff was so easy. The light that came back in my wife’s eyes during the visits.That is a joy, she’s still sober- that I can not thank RCA enough for. We are so grateful
Even when you walk out the doors your time doesn’t end there. The Alumni and Dan are just amazing! Thank you again RcaBracebridge!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This is a place I can sincerely, I can call family, from far from home. I’ve made so much growth/progress, it’s definitely transformative for me, forever love Avenues would NEVER take this place for granted <33
Shawn Anderson
5 days ago
Avenues Concord New Hampshire gave me the time I needed to heal and for my family to heal. The staff is amazing from the Bht’s the Therapist, the nurse practitioner and the facilitator’s. Coming to New Hampshire from Indiana was the best decision I’ve ever made in my life. This from start to finish is the finish program for recovery I have ever been a part of. They also have an amazing alumni program and wonderful alumni coordinator that helps keep us all connected. Avenues is the most instrumental part in me finding my way Home! I am forever grateful! Roger Tate
Roger Tate
6 days ago
My time at Avenues changed my life. I came in with a lot to work through, and I'm leaving with a stronger sense of who I am, a better understanding of my recovery, and tools I'll use for the rest of my life.
The staff and clinical team made a real difference. I appreciated how much they focused on self-reflection and getting to the root of what drives addiction. Learning about Internal Family Systems (IFS) helped me look at myself with more compassion and understand myself on a deeper level.
The people made it special. The connections I built with other residents reminded me I wasn't alone in this.
Recovery doesn't happen overnight, and I know I've still got work to do. But Avenues gave me a foundation I feel confident building on. I'm grateful for the experience, the people I met, and the chance to start a new chapter.
If you're serious about making a real change, I'd absolutely recommend Avenues.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
The staff truly cares about their patients and provided care that met my needs. The whole program exceeded my expectations and I can't thank everyone enough for the impact they made on my life and mental health. Deciding to seek treatment was not an easy thing for me but I am so glad I chose Footprints to Recovery. It wasn't all just sitting around doing therapy all day and we got the chance to do yoga, art and music therapy, and also go outdoors with Adventure Recovery. If you are considering treatment I highly encourage you to invest in yourself and give Footprints a call!
Collin Cook
7 months ago
Footprints was an absolutely stellar facility to go to after completing inpatient addiction treatment. The staff were all very patient and understanding during my biggest ups and downs during treatment, and I never felt any judgement even at my lowest points.
Recovery is such a serious rock to carry but the groups and providers helped me collect the tools necessary to be able to tackle this journey on my own.
The nursing team was incredibly helpful in finding me medications that are actually helping my mental health and addiction cravings. I've had more success in the three months I got to share with Footprints than the years I've worked with my primary care and therapist.
Andrew with case management is hilarious and hugely helpful with resources and managing work and life alongside treatment.
Anika is an incredible therapist and I am sad to leave her care, but know she will continue to do amazing things for other clients.
If you are struggling with any substance abuse, I highly recommend seeking help with Footprints. They will absolutely get you back on your feet.
Hailee Burdette
8 months ago
Was able to get the help I needed. Brought my family back together and got the tools necessary to stay sober. Mental health has been restored. The staff and everyone were very friendly and very relatable.
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:
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.
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.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.