Treatment Plans for Substance Abuse: What Does Blue Cross Blue Shield Cover?
Blue Cross Blue Shield (BCBS) offers coverage to subscribers in several states. Individual and group coverage is available. All plans offered by the company offer coverage for substance abuse, but the benefits level varies depending on the type and level of protection you buy or your employer decides to offer.
Even though this company offers substance abuse coverage as part of its basic health insurance coverage, you should still have your proposed treatment plan approved by your insurer in advance of enrolling in a program. Most people find it challenging to try to interpret their health insurance policy documents, and you’ll want to understand exactly how much coverage you have available and how much of the treatment cost you will need to pay personally.
We can assist you with understanding your addiction treatment benefits with your Blue Cross Blue Shield policy. Contact us today to find out more.
BCBS Group Health Insurance Coverage
The Mental Health Parity and Addiction Equity Act of 2008 requires insurance companies to provide the same level of coverage for addiction and mental health diagnosis and treatment as for “medical and surgical benefits.“ The law applies to companies with more than 50 employees enrolled in the group plan and ones offering mental health and addiction benefits.
Find Answers About Blue Cross Blue Shield and Substance Abuse Treatment
If you are looking for help for yourself or a loved one, you need to find out about the resources that you can access. You may contact BCBS directly or ask your benefits administrator at work about coverage for substance abuse treatment. Here are some examples of the types of questions you’ll want to ask:
- Which substance abuse treatment facilities will accept my health insurance?
- What are the treatment limitations of my policy (number of days of coverage, duration of coverage or number of visits) that I need to be aware of?
- What percentage of the cost of treatment will I be responsible for paying, assuming I have met my annual deductible?
Your insurance company isn’t the only source of information about substance abuse treatment. Contact us now for help finding the right program, information about financial aid, and more.