About Blue Cross Blue Shield Insurance
Blue Cross Blue Shield (BCBS), headquartered in Illinois, U.S.A, is an embodiment of 36 independent health insurance companies. The company was established in 1929 and took up the Blue Cross Association identity in 1960.
It has a number of subsidiaries such as Health Services Foundation, BC and BS Foundation on Health Care and Blue Cross Blue Shield Association Services Inc. The company offers some form of health insurance coverage across all 50 states.
Blue Cross Blue Shield Companies, provide insurance coverage for about 105 million customers nationwide. As a Blue Cross Blue Shield covered drug treatment center, we ensure that your addiction treatment expenses are taken care of.
Does BCBS Cover Substance Abuse Treatment?
Generally, yes. However, the level of coverage varies from one plan to another as well as from state to state. You should expect at least part of your addiction treatment cost to be covered by your insurance policy. With Garden State Treatment Center, we are a BCBS covered drug rehab, therefore our insurance verification process will tell you exactly if you have any out-of-pocket costs, just give us a call around the clock.
Typically, most BCBS plans provide coverage for rehab services like medically-assisted detoxification, so long it is deemed as a medical necessity.
For people suffering from drug or alcohol abuse, detoxification is usually the first line of action. Although not a therapy in itself, detoxification is required to rid the body of any traces of alcohol, opioids, benzos or other illicit substances.
What Type Of Substance Abuse Treatment Service Is Covered By BCBS?
The type and extent of coverage you will receive will be determined by a number of factors such as your individual plan, your state of residence, and the particular substance abuse treatment program you are seeking.
When searching for drug and alcohol rehab, you can expect your BCBS insurance to cover some of the expenses associated with the following types of rehab services:
- Medical Detoxification
- Inpatient rehab program
- Outpatient rehab program
- Partial Hospitalization Program
Again, it is advisable to seek clarification about your specifics from your insurance provider.
Blue Cross Blue Shield Individual and Family Plans
BCBS offers a number of plans suited to individual and families. Each plan offers a different level of coverage than the next. Depending on your state of residence, you may have the option of choosing from either three or four of the broad categories offered.
The following individual and family plans are offered by Blue Cross Blue Shield:
Bronze Plan: With this plan, you can expect up to 60% of your rehab expenses covered. This plan has the lowest monthly fees, albeit with higher deductibles.
Silver Plan: This plan covers about 70% of your rehab expenses. Comparatively, monthly fees are higher than the bronze plan. Deductibles are, however, lower with a silver plan.
Gold Plan: Monthly fees are higher with this plan, and deductibles lower. This plan provides coverage for up to 80% of your treatment expenses.
Platinum Plan: Your platinum plan covers about 90% of your rehab cost. Deductibles are the lowest with this plan. This plan has the most expensive monthly payment.
How do I Verify My BCBS Insurance?
It takes a great deal of expertise and experience to understand the fine prints of your insurance policy. Dealing with personal addiction or that of a loved one is hard enough, adding the complexities of an insurance policy to that, can be overwhelming.
That being the case, you’ll be glad to know that our admissions department is available to help you navigate that complex terrain at no extra cost to you. Simply because you have unrestricted access to your insurance provider doesn’t mean your efforts will create the best results. Only by asking the right set of questions will you get more clarity and maximize the benefits of your insurance policy.
As a Blue Cross Blue Shield approved drug rehab center, Garden State Treatment Center has developed a good working relationship with your insurance company and will accept your BCBS insurance for substance abuse treatment.
Still Feeling Overwhelmed?
Dealing with personal addiction or that of a loved one can be both emotionally and physically challenging. Chances are you are feeling completely helpless and clueless about how to overcome your drug or alcohol addiction.
You do not have to waste yet another day trying to figure out whether or not your BCBS insurance includes coverage for drug and alcohol rehab. Our well-trained staffs are available to answer all your queries regarding your insurance benefits and coverage.
When it comes to addiction, money doesn’t have to be a roadblock to seeking the help you deserve. At our New Jersey treatment center, you can receive top-notch recovery services without incurring a huge out-of-pocket expense. We work with your insurance company to cover some of your treatment costs. In this way, you can focus only on what’s truly important – gaining lifelong recovery.
By speaking with one of our admission officers, you will receive detailed information needed to make an informed decision and take the next steps. We are available to take your call at any time of the day. Do not hesitate to contact us regarding your treatment options or about your insurance coverage. You can be on your road to long-lasting recovery within minutes of reaching out to our addiction specialists. Let us help you get started today.