Substance use disorder can cause lasting damage to your life as well as the lives of your family and friends. However, breaking free from substance abuse can be daunting when done on your own. If you want to recover, your best bet is to go to a substance abuse treatment center where you’ll have access to addiction recovery resources like individual therapy and group therapy, family counseling, and other educational programs.
If you or someone you know is dealing with a substance use disorder, know that you’re not alone. More than 20 million people in the U.S. have a substance abuse problem. Sadly, many people choose not to go through treatment—whether it’s because commitment is hard or their finances or insurance can’t cover paying for rehab.
At Ethan Crossing of Columbus, we want to make rehab and treatment as accessible as possible. What you will pay out of pocket for treatment could depend on your health insurance plan. Below is some information to help you understand exactly what insurance companies can cover when it comes to addiction treatment. If you have more questions about insurance coverage, contact our team online or call 855.476.0078.
How Important Is Rehab Insurance?
Many people would like to receive professional treatment for their addiction issues but may feel like they can’t afford it. This feeling can set back recovery and can sometimes even be potentially fatal. What most don’t realize is that they might have rehab insurance. If they have group health insurance benefits through their employer, rehab may very well be covered by their policy.
Under the Affordable Care Act, also known as Obamacare, insurance companies should cover addiction therapy and counseling. However, your level of coverage does still depend on your insurance policy. You can talk to your insurance company for more information. Insurance companies may cover varying levels of treatment depending on where you live. Research the coverage laws in your state so you can find out what you’re entitled to with it comes to insurance.
Additionally, some rehab programs are fully covered by insurance, while some aren’t. Most insurance companies will cover most of the costs of an outpatient rehab treatment or a partial hospitalization program (PHP). However, some policies can only cover rehab for a certain period.
What Is Blue Cross Blue Shield Health Insurance?
The Blue Cross Blue Shield (BC/BS) Association is a U.S. federation of 36 independent and locally operated health insurance companies. They handle more than 106 insurance policies in America. More than 96% of hospitals in the U.S. and more than 90% of professional providers contract with BC/BS.
Blue Cross coverage for drug rehab is something many Americans can count on. Coverage of substance addiction treatment is definitely included in BC/BS group benefits policies. However, consult your policy to see exactly what it covers. Benefits can vary from one policy to another due to limits that can be applied and deductibles that need to be paid.
In general, BC/BS rehab insurance will have mental health benefits and will cover mental health treatment. If you receive insurance coverage through your employer, your plan may not be required to cover mental health, but most BC/BS plans do. Along with substance abuse treatment coverage, the Affordable Care Act also requires coverage on pre-existing conditions, including mental health conditions and substance use disorders. However, there’s a requirement that policyholders use only preferred providers.
Behavioral health and mental health are often treated as the same, but there are differences. BC/BS rehab insurance covers many behavioral health options, although, unlike mental health treatment, a copay could be required for some treatments.
Blue Cross Coverage for Drug Rehab at Ethan Crossing of Columbus
Are you looking for a substance abuse treatment center to help you on your recovery journey? Contact Ethan Crossing of Columbus online or call 855.476.0078 to learn more about rehab insurance, Blue Cross coverage for drug rehab, and other ways of paying for rehab.