Blue Cross and Blue Shield of Florida Rehab Insurance
Blue Cross and Blue Shield of Florida (Blue Cross Blue Shield or BCBS) is an insurance provider that may offer coverage for substance abuse and mental health treatment. The Recovery Village’s national network of centers offers comprehensive treatment and therapy to help you establish a life built on principles of self-worth and sobriety. To learn if and how your Blue Cross Blue Shield plan works with an addiction center, call The Recovery Village today to speak with an intake coordinator.
Blue Cross Blue Shield Rehab Coverage
One of the first questions many people have when they’re considering drug or alcohol rehab is whether or not their insurance company will entirely or partially cover the cost of such mental health treatment. The Blue Cross Blue Shield Association is a state-based nationwide network of 36 independent and locally operated Blue Cross Blue Shield Companies. Individual plan availability and coverage may vary between states, but there are some general things to know about Blue Cross Blue Shield drug rehab and mental health coverage.
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Does Blue Cross Blue Shield Insurance Have Drug Rehab Coverage?
Blue Cross Blue Shield policies are offered through the Florida state insurance exchange, created by the Affordable Care Act. According to the Affordable Care Act, all Marketplace plans are required to provide coverage for essential health benefits, including mental and substance abuse services or treatment. This means that Blue Cross Blue Shield addiction treatment options should be available.
For plans purchased through the exchange, substance abuse treatment is required coverage, although specific health benefits depend on the particular plan a consumer chooses, as well as the state in which he or she resides. Call Blue Cross Blue Shield or The Recovery Village to determine what is covered under your plan. Blue Cross Blue Shield also offers the Federal Employee Program (FEP), which is part of the Federal Employees Health Benefits Program. It covers more than five million federal employees and retirees, as well as their families.
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Blue Cross Blue Shield Mental Health Coverage
While drug or alcohol rehab and mental health are often categorized with one another, when it comes to insurance coverage, there are differences in these two areas that consumers should be aware of.
Is Blue Cross Blue Shield Mental Health Covered by Insurance?
In most instances, Blue Cross Blue Shield will cover mental health treatment. They typically have mental health benefits. This is always true of plans purchased through the Healthcare.gov Exchange. According to the law, along with substance abuse treatment coverage, both inpatient and outpatient, the Affordable Care Act requires coverage including on pre-existing conditions, which includes mental health conditions, as well as substance use disorder. Marketplace plans are prohibited from putting financial limits on any of the essential health benefits covered by these plans.
Blue Cross Blue Shield plans sold through the Marketplace also must have benefit protections similar to what’s allowed with other services. For Blue Cross Blue Shield policyholders with the Federal Employee Program Basic Option Plan, there is also coverage for mental health. There is a requirement, however, that policyholders use Preferred providers. If you receive your insurance coverage through your employer, your plan may not be required to cover mental health, but most Blue Cross Blue Shield plans do. Call The Recovery Village to learn more about options available for your needs.
Blue Cross Blue Shield does offer a provider network of mental health care professionals as well as substance abuse providers, and this includes not only psychiatrists and psychologists but also social workers. For outpatient care, a physician referral is not usually required, but preauthorization is.
Blue Cross Blue Shield Behavioral Health Coverage
Mental health and behavioral health are often seen as one and the same, but there are some differences between these two care areas.
Is Blue Cross Blue Shield Behavioral Health Covered by Insurance?
In general, Blue Cross Blue Shield does include a variety of behavioral health options, although, depending on the facility and type of treatment, a copay may be required.
While Blue Cross Blue Shield Exchange plans must cover mental and behavioral health, most employer-sponsored programs provide these options and programs as well.
For example, along with a network of care providers, employer-sponsored programs also have options for resources and support related to behavioral health including not just mental health care but also programs such as weight management and tobacco cessation.
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What to Expect from Blue Cross Blue Shield Insurance for Drug Rehab
If you’re a Blue Cross Blue Shield policyholder and you’re currently in the process of researching and exploring rehab options, it can be overwhelming. There are some important things to keep in mind as you go through this process. Answering the question of whether or not BCBS covers rehab is complicated. While the answer is generally yes, based on considerations like the ones above, every policy varies.
Some Blue Cross Blue Shield plans may completely cover the cost of rehab, while others may cover a certain percentage, requiring you to pay the rest out of pocket.
Along with the amount of the cost covered by insurance, the length of allowed stays in a rehab facility may vary based on your plan type. Another relevant factor is the type of facility. For example, if you have a PPO plan as opposed to an HMO plan, you will have the option to see a wider network of care providers and visit more facilities.
The best thing to do is contact Blue Cross Blue Shield and determine what your coverage options are, especially since preauthorization is required in most of these situations. The Recovery Village is here to provide you excellent medical and drug rehab service, no matter what insurance provider you have.
The Recovery Village aims to improve the quality of life for people struggling with substance use or mental health disorder with fact-based content about the nature of behavioral health conditions, treatment options and their related outcomes. We publish material that is researched, cited, edited and reviewed by licensed medical professionals. The information we provide is not intended to be a substitute for professional medical advice, diagnosis or treatment. It should not be used in place of the advice of your physician or other qualified healthcare providers.