Explore our drug & alcohol rehab that accepts BCBS and discover your path to long-term healing from drug & alcohol abuse.
Too often, people don’t get the help they need for addiction because they don’t realize that their insurance provider might cover a BCBS rehab center.
Don’t let the fear of potentially high costs stop you from at least reaching out and investigating your coverage options.
Blue Cross Blue Shield represents 36 independent companies offering health insurance to over 170 million Americans. If you are one of them, you can get help with your recovery through a BCBS addiction treatment program.
However, as with all insurance providers, you should contact Blue Cross Blue Shield directly to review your insurance policy and figure out exactly which South Florida BCBS rehab programs or services are covered under your plan.
You might be surprised to find that even though you don’t get blanket coverage for rehab, you can still get financial support for BCBS rehab in South Florida. Too often, people think that for their insurance to work, the insurance provider has to cut a check for whatever the individual chooses. But that’s not how it works.
Your insurance is usually broken down into categories of services provided. For each category, there is a degree of financial support that Blue Cross Blue Shield offers in exchange for you covering some part of it, like a copay or a deductible.
Depending on your plan, a copay is what you have to pay out-of-pocket each time you go for something like a doctor’s visit. A copay might be $30 if you have a cheaper plan or $0 if you have better coverage.
If you look at different treatments for rehab, a BCBS rehab in South Florida will always include therapy. This is often individual and group therapy. Group meetings like AA or NA don’t include any out-of-pocket costs except transportation to and from the meetings, but individual and group therapy that you have other than this will likely come with a fee.
This fee is typically charged per visit.
For example: If your BCBS addiction treatment program includes cognitive behavioral therapy, and you meet with a therapist once per week, that therapist might charge $200 every week for that meeting.
If your insurance plan has a copay of $30, you might be required to pay $30 for every week that you meet with your therapist, and your insurance then covers the remaining $170. Now, what if your therapist charges even more? It doesn’t matter; your copay stays the same.
A lot of treatment at a BCBS rehab center involves medication, especially if you are dealing with mental health disorders or detox services. Your plan may or may not include a copay for medications. More likely, your plan could include complete coverage for generic medications but require you to meet your deductible for all others.
Your deductible refers to how much money you have to pay yearly for any and all health services out of pocket before your insurance covers all remaining costs. This figure is inversely related to your monthly payment.
If you have a deductible of $4,000 and you have already paid $2,200 for unrelated medical services, you might be required to pay $1,800 out of pocket for things like therapy or medication. Once you reach that point, your insurance covers anything else you have.
Again, the different types of treatment covered are based on the plan you have.
Blue Cross Blue Shield covers things like overnight hospitalization and medication during detox. Depending on the plan you have, you might still have to cover a copay at the hospital or a deductible for your prescription medications, but that still means you’re only paying a fraction of the total cost for your treatment.
In terms of outpatient services, Blue Cross Blue Shield typically covers all outpatient treatment at qualifying facilities, including partial hospitalization or intensive outpatient programs. This allows you to visit a rehab facility for your treatment sessions, attend individual and group therapy, and get medication to manage cravings or mental health disorders.
Blue Cross Blue Shield covers most medications prescribed by a rehab facility as long as they are prescribed as part of your inpatient or outpatient program. Things like anti-anxiety or antidepressant medications are very common, especially if you are dealing with mental health disorders.
Blue Cross Blue Shield is required to cover the cost of basic mental health services, even if that is part of your BCBS rehab in South Florida, as dictated by federal law. All insurance providers are. So, if you have a co-occurring disorder and your South Florida BCBS rehab includes therapy or medication for a mental health disorder, you may or may not be required to provide a copay or meet your deductible, but it will be covered to some degree.
Call Reign Recovery to talk about what your insurance plan covers in rehab.
As mentioned, contacting Blue Cross Blue Shield is the best way to figure out what your insurance plan covers. Most of the time, coverage at an inpatient or outpatient rehab center requires the facility to be a BCBS Rehab Center or “in-network” center like Reign Recovery Center.
Figuring out which number to call for patient services, what parts of your specific, customized treatment program might be covered, and to which degree can be overwhelming. That is why the best way to verify your coverage is to let insurance specialists from Reign Recovery Center do it for you.
Our team is trained to communicate directly with insurance providers like Blue Cross Blue Shield, quickly verify your benefits, and compare your benefits and coverage to the services we offer at our BCBS rehab in South Florida.
Your health insurance can help cover up to 100% of the costs associated with treatment at Reign Residential Treatment Center. Find out your personal options for treatment with a free insurance verification right now.
Using an in-network facility is the best way to maximize your coverage options when it’s time for you to get help. Reign Recovery Center is an in-network BCBS rehab center.
When you reach out to our team, we can help you create a customized treatment program that meets your needs. Our mission is to offer high-quality detox and rehab services that help you manage your physical addiction and tackle any mental health disorders or psychological struggles that might be hindering your progress.
We can help you confirm which aspects of that customized treatment program are fully covered and which services might require out-of-pocket costs like a copay or deductible. If you still have things that you have to pay out-of-pocket, we can help you review alternative ways to get the funding you need.
Let Reign Recovery Center help you find BCBS rehab in South Florida today.
We are here to help, 24 hours a day, 7 days a week.