Blue Cross Blue Shield Drug Rehabs

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. 

Tip: You can usually find your copay amount printed on your insurance card.

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.