The first hurdle in pursuing addiction treatment is often deciding that you need help. However, the second hurdle is usually figuring out how to pay for treatment. Too many people who need addiction treatment fail to seek treatment because they fear the costs and worry about being able to pay for it. The good news is that Vertava Health accepts a range of insurance to ensure paying for rehab is not something that keeps you from getting help. Blue Cross Blue Shield rehab insurance coverage is one method of keeping treatment affordable. Learn more about paying for rehab at Vertava Health by calling 888.601.8693.
Blue Cross Blue Shield Rehab Insurance Coverage Tiers
Individual and family plans from Blue Cross Blue Shield fall into three or four categories. The number of categories depends on the state in which you receive insurance coverage. The tiers are bronze, silver, gold, and platinum. Bronze offers lower coverage levels at lower costs, while platinum has higher monthly premiums but covers medical expenses more thoroughly. A few more details about each tier are:
- Bronze covers 60% of medical expenses, featuring low monthly payments but high deductibles.
- Silver covers 70% of medical expenses, featuring somewhat higher monthly payments and a lower deductible.
- Gold covers 80% of medical expenses, featuring a higher monthly payment but even lower deductible.
- Platinum covers 90% of medical expenses, featuring the highest monthly payment but the lowest deductible of all Blue Cross Blue Shield plan options.
What Does Blue Cross Blue Shield Cover?
Each of Blue Cross Blue Shield rehab insurance coverage tiers covers addiction treatment and detox at least partially. Common examples of the type of detox covered by Blue Cross Blue Shield rehab insurance include:
- Alcohol detox
- Opioid detox
- Benzodiazepine detox
That is in part because those addictions require medical supervision during complicated, uncomfortable detox periods. Always be sure to check with your Blue Cross Blue Shield insurance provider before accessing treatment to understand what they will cover and what you will need to pay.
Paying For Rehab With Blue Cross Blue Shield
Paying for rehab doesn’t need to be stressful. Arm yourself with knowledge related to what the Blue Cross Blue Shield insurance provider will cover during each stage of treatment. Four commonly asked questions about their coverage are answered below.
Do They Cover Inpatient Treatment?
Yes. Blue Cross Blue Shield includes multiple forms of inpatient treatment under each of their coverage tiers.
Do They Cover Intensive Outpatient Treatment?
Most of their plans do cover intensive outpatient treatment. However, it is best to keep in mind that outpatient structures are not always the best place to begin treatment. They do offer more independence but may not be the right fit for people who need a higher level of support or supervision.
How Long Can I Stay in Rehab and Still Be Covered?
This question does not have a definite answer. It ultimately depends on your coverage tier. Most rehab centers offer 30, 60, or 90-day rounds of treatment. It is usually a safe bet to assume insurance will cover the shortest rounds of treatment. Be sure to check with your Blue Cross Blue Shield insurance provider on whether lengthier rounds of treatment will be covered the entire time.
Do They Cover Therapy?
Therapy is something many people access during official rehab treatment and afterward. The good thing is that Blue Cross Blue Shield rehab insurance coverage takes care of therapy during treatment and at any time afterward. The exception is that people may continue paying something out of pocket for therapy if they have yet to meet their deductible or if their plan comes with a copay for accessing therapy.
Paying for Rehab at Vertava Health
Vertava Health is glad to accept Blue Cross Blue Shield rehab insurance coverage. We know affordability is key during recovery. However, we also know that you should not have to worry about financial stress. Your focus should remain on your recovery goals. Contact us at 888.601.8693 to get your questions answered when it comes to paying for rehab.