Substance abuse is a growing problem that affects 46 million Americans over the age of 12. Unfortunately, many people have a difficulty getting over their addictions, partly because they don’t know how to get themselves the help that they need.
One of the biggest reasons that people have a hard time is affording rehab. This can be especially hard for the 25.6 million uninsured Americans. Even people with insurance may be hesitant to get treatment for substance abuse, since they aren’t sure what it will cover and what the deductible will be.
If you have a substance use disorder, you will want to know what your insurance will cover. Keep reading to learn more.
What Will Your Insurance Cover if You Need Rehab for Substance Use?
Hands up!
You’re caught red handed; I know you’re searching for one Question!
The answer is absolutely YES.
Knowing the extent of your insurance plan is the most common and valuable point before diving into a rehab treatment plan.
After understanding your Blue Cross Blue Shield insurance coverage, you can feel tat ease throughout your recovery journey.
Let’s find out what you should expect from validating your coverage plan to tackle all the pesky out-of-pocket costs.
Initial Consultations
First thing first: You must cross-check your coverage before packing bags for rehab.
This is the first step regarded as the initial consultation that sets the stage for upcoming steps.
Give a call to BCBS customer support and ask some preliminary questions online to get the lowdown on what’s covered, such as:
Does my plan include in-patient and outpatient coverage?
What is the exact coverage of my plan?
When you ask such queries, it saves you from any unwanted surprises down the line.
BCBS is very straightforward in detailing its coverage plan to customers for complete understanding.
Types Of Rehab Programs Covered By BCBS
To clarify, all BCBS plans are not the same, and so is the insurance coverage.
If we talk about program coverage, it covers two major types of programs; inpatient plan and outpatient plan, which also includes some intensive outpatient programs.
So, how to decide which coverage will be best for you?
Well, it depends on your choice; if you want treatment in the comfort of your home, you are good to go in an outpatient program, but if you’re interested in intense and well-structured surroundings for healing, you must opt for in-patient services.
As you already know, BCBS programs vary, so the correct information about the plan coverage you selected is important to get beforehand.
Networks Vs Out Of Network Providers
What are these options?
Why do you need to know it?
Exactly all these questions must be popping up in your mind…!
It’s Alright!
The big tricky thing is these two providers.
BCBS has a connection with a range of rehab centers that cater services according to your needs and manage your budget carefully – in-network providers.
If you choose the out-of-network provider, be ready for extra costs to pay!
While choosing in-network providers, talk to BCBS staff and get the list of associated rehabs like enjoying shopping on a discounted card.
Here, not to overthink; if you have a heart set on some out-of-network facility, you can go for that as well, just remember to stack an extra card in your wallet. .
Co-pays, Deductibles and Out of Pocket?
Money, Money, Money.
Money is paramount!
Because even BCBS has different stages that cost differently, like deductibles, copays and out-of-pocket costs.
Well, I’ll let you know about all of them.
- Deductibles: the amount you pay before your insurance starts covering the costs.
- Co-pays: the share of your costs for each service
- Out-of-pocket: the total expense you might have to deal with by yourself (the insurance plan doesn’t)
Here’s the kicker: Calculating all the amounts and critically evaluating the various plans according to your budget before going into rehab will ensure your smooth rehab journey.
Post Rehab Care
Your healing journey doesn’t end when you leave rehab, and thankfully! BCBS have got you.
Many plans come with a variety of options for aftercare rehab including therapy, counseling sessions and medication. Yes, all these can add up to your cost.
So, carefully looking and ticking those that you need in the aftercare time period will definitely help you to prevent relapse without financial stress.
Conclusion
Well, now you can make the process smoother with the right information.
From verifying your coverage to understanding your out-of-pocket costs and post-rehab care plans, being informed is your best strategy.
Knowing your BCBS coverage plan will not only help you to get the treatment smoothly but also take care of what you truly need in your recovery journey.
We wish you great health and complete recovery!
References:
https://rehabseekers.com/how-to-pay/
https://www.opm.gov/healthcare-insurance/
https://www.usa.gov/health-insurance
