Blue Cross Blue Shield is a nationwide insurance provider that provides medical insurance coverage through employer sponsored plans as well as individual and family plans. Blue Cross Blue Shield works through a network of 36 separate insurance agencies and companies across the country to help provide the best possible coverage to over 100 million Americans.
Addiction can feel like an overwhelming thing to tackle. Whether it is your own addiction or the addition of a loved one, seeking professional help is an essential step in beginning recovery. Blue Cross Blue Shield’s coverage for medical detox, inpatient drug rehab, and outpatient services can vary a lot from plan to plan. Knowing and understanding the coverage of our individual plan, as well as what treatment options are necessary for your recovery, can help you make the rehab decision that fits your needs best.
While all withdrawal symptoms from drug abuse of any kind are more than uncomfortable, there are certain types of drugs that have the potential to leave you with life threatening withdrawal symptoms. Some kinds of opioid addiction, as well as alcohol and benzodiazepine addiction, cause such a severe physical dependence that detoxing from these types of drugs can truly be life threatening.
Not all medical detoxes are the same. Some can vary in length depending on the type of drug and length of usage. For some types of addiction, medication assisted detox may be necessary to prevent a life threatening seizure. In recent years, ‘rapid detox’ has come to market for individuals suffering from benzodiazepine dependence. This type of detox can flush the drug out of your system in 6-8 days, which is significantly shorter than a traditional detox. This medical detox method is new to the market and may not be covered by all insurance plans and providers yet.
There are some plans through Blue Cross Blue Shield that do cover medical detox for drug addiction. Some of their plans, such as the federal employment plan, will cover ‘inpatient professional visits’, which does include some medical detox programs. There are dozens of insurance plans through Blue Cross Blue Shield that will cover these types of visits depending on medical need and length of program. Check with your Blue Cross Blue Shield provider to learn more about the coverage details of your specific plan.
Blue Cross Blue Shield shares the belief that addiction is a two-part illness: physical symptoms of withdrawal from the chemical dependency to a substance, as well as habitua or mental addiction to a substance. Inpatient rehab is designed to treat not only the physical symptoms that can be assisted by medical detox, but also the psychological and mental components of addiction. Inpatient rehab has a focus on the mental and behavioral aspects surrounding the substance abuse, as well as any trauma that may have been a trigger for the addiction.
Inpatient rehab is designed to delve into the mental aspects of addiction and ask important questions about the whys behind the addiction. Why did you turn to drugs or alcohol? Why did the addiction start? Why did you finally choose rehab? Why do you want to be sober? Inpatient rehab programs are better able to facilitate the road to recovery through asking these questions. Inpatient rehab is also coordinated to help prevent the possibility of a relapse. This multi-disciplined approach to addiction rehabilitation is one of the reasons inpatient rehab is considered a vital step in the road to recovery.
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When a client chooses inpatient rehabilitation, they are completely removed from their previous environment that was associated with their addiction. Through removing this environment, as well as the stressors, people, and triggers, that come along with it, clients are able to focus completely on their recovery without the temptations of their previous life. This aspect of inpatient rehabilitation is so important that many families choose a drug rehabilitation facility that is out-of-state to maintain that focus for their struggling loved one.
Blue Cross Blue Shield Inpatient Drug Rehab Coverage
Blue Cross Blue Shield’s coverage percentage for inpatient drug rehab will vary based on your individual plan and policy. It is an important step to check with your Blue Cross Blue Shield agent to see what type of drug rehab is covered and what other stipulations the coverage holds. For several plans through Blue Cross Blue Shield, length of stay, rehab facility type, and location of facility will make an impact on the amount of coverage a client is eligible for.
Almost all Blue Cross Blue Shield policies cover at least some form or amount of drug rehabilitation. The Federal Employee Program example used above does provide coverage for both inpatient and outpatient rehab, but requires a copay to be paid by the client. There is also a precertification requirement that must be completed prior to any inpatient or outpatient rehab to prove medical need of drug rehab. For this reason, it is always important to be open and honest with your physician about your drug use so that it can be documented at each visit. This will help you with any precertification requirements needed for rehab coverage.
It is not unusual for clients to associate drug rehab with some of the celebrity rehab centers shown on reality TV. These facilities are generally gorgeously adorned mansions surrounded by hundreds of acres of pristine land. While centers such as these may seem out of reach for the average citizen, there are actually many ‘luxury’ rehab options that are covered by some insurance plans. Luxury living may not be at the center of your rehab facility search, but the amenities offered by different types of facilities can help you find other interests and passions that are intended to help keep clients focused on their goal during their toughest days.
After reading all of this, are you skeptical if inpatient rehab is right for you? The truth is, it’s right for everyone! Many inpatient rehab programs are actually customizable and can be tailored to fit the needs of each client. Every addiction is different, and it is important you treat every facet of your addiction, not just the substance itself. Taking the time to go through inpatient rehab can drastically lower your chances of a relapse down the road.
The duration of inpatient rehab is short relative to the length of the addiction itself, generally 30-90 days. During this time clients will see significant improvement in their relationship with drugs and alcohol, as well as their outlook on the addiction itself. While this improvement is essential, tough days may still lie ahead. Outpatient rehab is a solution for clients to access continued support even after they have completed their inpatient program.
Outpatient rehab is generally far less intense than inpatient rehab. While the offerings may vary from program to program, most outpatient rehab programs generally offer weekly meetings, alumni events, one on one counseling, and sponsor match ups. The goal of these offerings is to provide a full network of support that clients can rely on when their own willpower isn’t enough.
When a client surrounds themselves with a network of people who understand the cravings, hardships, and trauma that they have been through, they feel like they have more than their own two feet to stand on. Outpatient programs may have an end date, but the network that is built through these programs can last for the remainder of a client’s life. Sometimes one call can be the difference between a relapse and another day sober.
There are many types of outpatient programs out there, including those that are affiliated with inpatient rehab facilities. These can sometimes be an advantage, as a client would be likely to be surrounded by individuals they went through the inpatient program with. In this case, an outpatient program would continue to build on that alumni network for continued success.
Blue Cross Blue Shield supports many variations of outpatient programs, including those that are affiliated with larger inpatient rehab facilities. Check with your Blue Cross Blue Shield agent to learn more about the options you have when considering an outpatient treatment facility. Regardless of the affiliations or coverage you may receive with Blue Cross Blue Shield, the decision of which inpatient or outpatient rehab center to choose will always belong to you.
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Do not get overwhelmed when trying to calculate your Blue Cross Blue Shield coverage for different types of rehab programs, we are here to help! Our addiction treatment specialists are standing by to take your call and answer any questions you may have regarding your insurance coverage and help you with your rehab decision. Your call is always 100% confidential. Call today!