Choosing to go to rehab can be a difficult decision. It is common to experience fear and concern around many elements related to the idea of rehab, but one of the most common concerns is often “how do I pay for rehab.” Addiction treatment can be expensive, and predicting the cost upfront is not always an easy task. How much addiction treatment will cost you depends on the specifics of your addiction and your unique treatment needs? Because of this, many shy away from seeking much needed addiction treatment out of concerns surrounding how to cover the cost. Fortunately, since 2010 and the passing of the Affordable Care Act, insurance is now a possible solution.
Can I Use BCBS Insurance to Pay for Rehab?
Today, addiction and mental health treatment are far less stigmatized than in previous decades. Because of this, the ability to receive insurance or other types of funding to pay for treatment is increasingly simplified. While a few insurance companies still present hurdles for their customers, most have increased ease of access to essential insurance coverage for addiction and mental health treatment.
Prior to the Affordable Care Act (also known as Obamacare), insurance companies did not have to cover substance abuse or addiction treatment. Many insurance companies were able to deny coverage for addiction treatment – either partially or entirely- based on whether they determined the substance use disorder or mental health condition was considered a pre-existing condition. The Affordable Care Act required insurance companies to provide provisions in their plans for mental health and addiction-related treatments.
When shopping for insurance, either on the marketplace or through an employer, you will likely be presented with various health insurance options. Blue Cross, Blue Shield, and other private insurers generally provide multiple options, with each providing differing benefit levels. These options (all of which provide some level of addiction treatment) typically include health maintenance organizations (HMO’s), preferred provider organizations (PPOs), exclusive provider organizations (EPO’s), point of service plans (or POS plans and high deductible health plans which may be linked to health savings accounts or HSAs.
Each program provides different levels of flexibility in terms of which doctors or treatment centers you can choose from and variations in premium and copay amounts. Each type of plan is often organized by the level of care they offer. These levels are usually divided into color levels such as bronze, silver, gold, and platinum. Bronze plans often provide the least amount of coverage and flexibility, whereas platinum plans offer the most. Your ability to utilize insurance benefits to pay for addiction treatment and the amount of treatment covered will depend on your policy type and level. When choosing an addiction treatment center, it is best to call your insurance provider and the addiction treatment center before committing to a program to ensure your treatment will be covered.
How Bayshore Treats Alcohol Addiction With the Help of BCBS
Bayshore Retreat will work directly with you and your insurance company to determine the level of coverage available to help you defeat alcohol addiction. We understand insurance companies each provide different levels of coverage (even across their individual plans), and this can become quite confusing when trying to establish the type of benefit coverage available to you.
The admissions team at Bayshore Retreat understands how important insurance coverage may be when considering how to pay for addiction treatment. If you are ready to seek addiction treatment and are wondering how the team at Bayshore Retreat can help you start on the path to sobriety, contact one of our admissions counselors today. Our evidence-based, holistic treatment programs have helped others just like you achieve and maintain long-term sobriety.