Blue Cross Blue Shield
Alamo Behavioral Health explains all about Blue Cross Blue Shield rehab coverage. Join us and start your recovery journey today!
Almost 50 million Americans abuse substances in some way. Yet, only 1 in 10 of them will ever receive professional help. One of the main reasons for this is financial concerns – many people who suffer from addiction worry about not being able to afford the cost of rehab. But addiction is an issue of mental health, and mental health treatment is actually covered by most of the major insurance providers. This means that depending on your plan, your Blue Cross Blue Shield rehab coverage might take care of some, most, or even all of the costs of addiction treatment at Alamo Behavioral Health. So don’t let the fear of a price tag prevent you from seeking help. Contact us today, and we will help you get the treatment you need at a price you can afford!
Blue Cross Blue Shield insurance – what is it, and who has it?
Blue Cross Blue Shield is one of the major health insurance providers in the country. It is an association of 35 companies whose services are delivered by regional licensees; in Texas specifically, Blue Cross Blue Shield of Texas provides BCBS rehab coverage. More than 100 million people, or approximately 1 in 3 Americans, rely on BCBS for health insurance. Their plans cover a minimum of 10 essential benefits:
- emergency services
- outpatient care
- pregnancy, maternity, and newborn-related care
- pediatric care (including dental and vision)
- preventative care and chronic illness management
- prescription medication
- laboratory services
- rehabilitation services and devices
- mental health services, including addiction treatment
You can obtain BCBS insurance in a variety of ways. It is, obviously, an option for individual and family insurance. If you decide that BCBS is the best option for you or your family, you can choose whatever plan suits you. You may also receive this insurance through your employer. As a federal employee or retiree, you also have a right to choose between two different plans under BCBS. If you are uninsured but do not benefit from Medicare or Medicaid, BCBS has ACA plans that offer some coverage. Finally, BCBS manages Medicare and Medigap insurance in some areas, so if you a beneficiary of those programs, you may be insured through BCBS.
Different insurance plans under Blue Cross Blue Shield
Like most insurance providers, Blue Cross Blue Shield has a tiered system of plans. The more basic plans incur lower monthly fees but also provide less coverage. The more advanced plans provide more coverage but at a higher price. Which insurance plan is best for you will depend on your healthcare needs. You can choose between:
- bronze plans have low monthly costs, high costs of care, high deductibles, and no coverage for out-of-network care but are a good choice for people who want basic coverage for the worst-case scenario and don’t otherwise need a lot of care
- silver plans have moderate monthly fees, moderate costs of care, moderate to high deductibles, and typically no coverage for out-of-network care; they’re good for people who have more than just basic healthcare needs but don’t need premium services
- gold plans have high monthly fees but low costs of care, low deductibles, and typically at least some coverage for out-of-network care; they’re a valuable option for people who have moderate to high healthcare needs and will benefit from the extra coverage even with the significant price tag
- platinum plans provide the broadest coverage both in and out of network with very low deductibles and very low costs of care, but they also incur the highest monthly fees; they’re a good option for people who require a lot of medical care and can pay the monthly fees in exchange for having little no costs elsewhere
HMO vs. PPO
Your insurance plan will also determine where you can seek care. Typically, the more affordable insurance policies are Health Maintenance Organization or HMO plans, meaning you are solely covered at contracted facilities. The more high-end plans, on the other hand, are usually PPO or Preferred Provider Organization plans. This means you can get treatment at out-of-network facilities, and while it will be more expensive than in-network care, your Blue Cross Blue Shield rehab coverage will still take care of a portion of the cost at non-contracted facilities. To find out what type of coverage you have and which facilities specifically you are covered at, you should contact BCBS of Texas directly.
Blue Cross Blue Shield rehab coverage for Alamo Behavioral Health services is extensive
Thanks to the Mental Health Parity and Addiction Equity Act of 2008, insurance providers like BCBS that cover mental health are obligated to provide comparable benefits for mental and physical conditions. Since substance use disorder is a mental health issue, addiction treatment is also covered by insurance that extends to mental health. So depending on your plan, BCBS rehab coverage may take care of up to 100% of the cost of treatment at Alamo Behavioral Health. This includes your stay at our residential facility, medication, and therapy.
Safe and supervised medical detox
Leaving substances behind can be dangerous in and of itself. The detox process itself comes with many uncomfortable and potentially dangerous physical symptoms. For this reason, detoxing on your own is not advised. Instead, you should always detox at our facility, where you will have the guidance and supervision of medical personnel. Not only does this make your detox safer, but also more comfortable. Our expert staff are experienced with gradually weaning people off various substances and can assist you with:
- alcohol detox in Texas
- opiate detox in San Antonio
- opioid addiction treatment
- fentanyl rehab TX
- heroin detox in San Anotnio
- marijuana detox
- benzo rehab in Texas
- detox from Xanax
- meth detox in Texas
Detox is always the first phase of rehab. It starts within hours of not taking the substance you’re addicted to and can last up to two weeks. Even after that, cravings may persist. As an important and inevitable part of rehab, detox is covered by quality insurance plans that include mental health benefits.
Does Blue Cross Blue Shield addiction treatment coverage include medication-assisted treatment for opioid and alcohol addiction?
While detoxing from any substance is uncomfortable, detoxing from alcohol and opioids is particularly bad. In fact, detoxing unsupervised from these substances can be just as dangerous as their continued use. For this reason, many opt for medication assisted treatment in Texas. Medication-assisted treatment involves taking FDA-approved medications during detox and recovery to minimize the discomfort and the chance of relapse. These medications can make detox more comfortable, giving you a better chance of getting through it. They work furthermore to dampen the cravings you may experience after detox, which lowers the chances of relapse and even later overdose.
With the right policy, MAT is subsidized by major insurance plans. However, it is not for everyone. Firstly, it is only suitable for those in rehab for alcohol, opioids, and stimulants. Secondly, all medications come with side effects that you may deem too difficult to deal with. Finally, while most addiction medication is intended for temporary use, some people may become dependent on it or even start abusing it in the case of methadone. If you’re not comfortable with the idea of that, then you may opt to avoid this type of treatment. At Alamo Behavioral Health, we are dedicated to helping you on your path – however, that path ends up looking. We believe in an individualized approach to treatment and will create a rehab plan that suits your needs and preferences. So whether MAT is a part of that path will depend on you.
Does BCBS alcohol rehab coverage cover addiction therapy?
The main part of your treatment for substance abuse, both drug and alcohol, at Alamo Behavioral Health will be therapy. In our residential rehab in Texas, you will attend therapy daily. However, not every session will look the same. We offer several different forms of therapy:
- group therapy for addiction: Group therapy sessions are the most common type of therapy in rehab. You and your peers will get to discuss addiction-related topics with each other under the guidance of the counselor
- individual therapy for addiction: A few times a week, you’ll also have one-on-one sessions with your therapist. This is your opportunity to discuss in-depth anything you think is relevant
- family therapy for addiction: Your family and friends will get to participate in a handful of therapy sessions. During this time, your therapist will help you rebuild your relationships and move past your addiction
Our staff is well-versed in both cognitive behavioral therapy (CBT) and dialectical behavioral therapy (DBT) – the two most common and most effective approaches to addiction therapy. We are furthermore committed to providing PTSD treatment for veterans in Texas as well as active duty members. This means that your therapist will focus on helping you overcome the trauma that may be the underlying cause of your substance abuse. Your BCBS rehab coverage will apply to the therapeutic care you receive at our facility, as this is the main form of mental health treatment you can receive.
Does Dual diagnosis treatment fall under BCBS drug rehab coverage?
If you suffer from substance abuse disorder as well as another mental illness, then you may require dual diagnosis treatment in San Antonio TX to achieve full recovery. This type of treatment addresses both addiction and any co-occurring mental disorders simultaneously. In that way, you are able to examine the connection between your mental health and your substance use, which will help you find out how one influences the other. By improving your overall mental health, you will then decrease the chances of going back to substances due to mental illness. Dual diagnosis treatment is mental health treatment and therefore falls under insurance coverage.
Blue Cross Blue Shield rehab coverage is valid for varying durations of treatment at Alamo Behavioral Health
The road to recovery looks different for everyone – some take mere weeks to walk it, while others struggle with it for their entire lives. At Alamo Behavioral Health, we understand that some people simply need a bit more support than others. For that reason, we offer programs of varying intensity and duration. You can stay at our residential facility for 30, 60, or 90 days – however long you need. And if you still find yourself struggling, we will help you with aftercare programs that can keep you on track. The best news is that there is no set limit on when your Blue Cross Blue Shield rehab coverage for residential treatment ends. It all depends on your policy. So with the right insurance plan, you can cover the costs of any amount of treatment at our facilities.
Does your Blue Cross Blue Shield drug rehab coverage extend to our services?
How much rehab coverage you will receive through BCBS and what participation fees you will need to pay depends on your insurance policy. So if you are not sure of the type of coverage you have, you should contact your insurance provider. You will need to know the reference for your insurance policy or provide enough personal information for the representative to find you in their system. They will then be able to give you more details on your specific type of policy and what kind of costs you can expect when going to rehab.
Other payment options when Blue Cross Blue Shield rehab coverage is not enough
While BCBS rehab coverage is indeed extensive, it does not always cover the full cost of treatment. However, this should not deter you from seeking help. Your sobriety and future are important and, therefore, well worth the investment. You’ll have the opportunity to pay for the portion of the treatment insurance doesn’t cover yourself, using either your own savings or a bank loan. You may also be able to rely on other insurance or financial assistance, especially as a former member of the armed forces.
Contact our admissions team to find out more about the costs of our services
If you have concerns about the cost of treatment at Alamo Behavioral Health, you should contact us today. Our admissions team will be happy to answer any questions you may have. We will help you figure out a payment plan that works for you so that you can get the help you need. Whether or not your Blue Cross Blue Shield rehab coverage covers the full cost of treatment, you deserve to have support on the road to sobriety. We are here to provide that.