Blue Cross Blue Shield Insurance For Addiction Treatment

History

Blue Cross and Blue Shield has been providing insurance coverage for people in the United States since the early 1900s1. The first product offered was a monthly subscription fee that was paid to allow each subscriber to go to a medical treatment provider as much as needed. This helped level the field between those who were too poor to get all the medical treatment they needed, and those that could afford any treatment they wanted. The monthly fee allowed poorer families to budget for medical expenses instead of getting overwhelmed by the cost of emergency medical care.

Healthcare Industry Evolves

This early program to allow individuals and families to pay a monthly fee for services quickly caught on and the healthcare industry began to change. With families and individuals looking for the same type of coverage to pay for a hospital stay, Blue Cross and Blue Shield began developing products for people to purchase insurance that would help pay for medical care in a hospital starting in 1929. With new plans in place, families and individuals were able to better manage their finances and plan for medical needs as they arose. Medical care became more accessible to those that couldn’t otherwise afford it because of insurers such as Blue Cross and Blue Shield.

Health Insurance Today

Insurance needs continued to rise throughout the United States, and this put Blue Cross Blue Shield at the forefront of insurance providers by the 1950s. With close to 70% of the population looking to purchase health insurance, Blue Cross Blue Shield became a major player in the insurance industry. With plans offered in all 50 United States and federal territories, Blue Cross Blue Shield continues to be a top provider of health insurance for residents in the United States.

The Different Health Plans Offered by Blue Cross and Blue Shield

State Specifics

Blue Cross Blue Shield is a large company that offers state-specific health insurance plans in all 50 states. To learn more about your specific options, you have to look at the state designated website for Blue Cross Blue Shield for the state in which you live. The good news is, your health insurance coverage follows you from state to state. If you are a student and live in another state for a few months, you don’t need to purchase additional health insurance to meet your medical needs.

Addiction Treatment

Every policy offered by Blue Cross Blue Shield through the Marketplace covers some type of addiction treatment2. The Affordable Care Act allows individuals and families to purchase health insurance through the Marketplace and each plan must provide essential coverage for addiction treatment. You’ll have choices, and this means that you can choose from Bronze, Silver or Gold from Blue Cross Blue Shield for your health insurance plan. Bronze plans are less expensive up front and provide you with the least amount of coverage.

Although recovery and addiction treatment at places like Silver Ridge Recovery are considered an essential service, you must still figure out how much coverage you have for addiction treatment. While you will have some type of coverage, the extent of your coverage will vary depending on your specific plan.

Co-Payments and Deductibles for Addiction Treatment

It’s confusing to try and figure out what you’ll have to pay for when it comes to addiction treatment. While addiction treatment is considered essential, some pieces of addiction treatment can count towards your yearly deductible. In order to clarify your patient paid amount and figure out what type of treatment you can receive, it is important to talk with customer service at Blue Cross Blue Shield to get the details. If you have a co-payment and are responsible for a percentage of your services at Silver Ridge Recovery, a member of our team can talk to you about financing options so that you can get the care you want in a comfortable, private facility.

You Have a Right to Receive Treatment for Addiction

Ignoring an addiction and refusing treatment doesn’t do anyone any good. Anyone who seeks treatment for addiction is guaranteed some level of treatment because of the Mental Health Parity and Addiction Equity Act of 20083. If money is your only hurdle, you can get treatment at a public facility that can help you learn the basics of recovery and you can withdraw from substances in a professional, safe environment. While your health insurance coverage may only pay for a short stay or a detox, you will still have options when it comes to addiction treatment.

If you can’t afford to pay for treatment, a public facility that is funded in part by the government should be able to help you. When you look for a private facility such as Silver Ridge Recovery, you will discover that there are financing options available to you when you are looking to work through the recovery process. You are worth investing in, and your treatment at a private facility is going to help you live a healthier, more productive life. If you have some resources and are ready for addiction treatment, it’s time to find a program that is right for you.

Preparing to Attend an Addiction Treatment Center

Learn about your Insurance Coverage

There are a number of ways you can prepare for addiction treatment. Learn what your coverage options are before you enter a program by calling your health insurance provider. If necessary, see what financing options are at a facility you want to enter. Prepare your family by letting those close to you know that you are going to addiction treatment and ask for their support.

Discuss with Family

Talk to your loved ones about your desire to go to treatment and ask for guidance if you need it. It is likely that the people close to you will be thrilled with your decision to get the help you deserve to work through your addiction.

Employee Rights

When you are employed, you will need to let your employer know that you need to take a family leave of absence. Your job is protected when you seek addiction treatment, and you don’t have to provide your employer with information regarding your treatment because of HIPPA regulations4. Created in 1996, the Health Insurance Portability and Accountability Act allows you to keep your medical information private and only share information with those you want to share information with. Even if someone calls the facility you are in and asks to speak to you, the facility can not divulge that you are a client there without your permission.

Understanding Addiction Treatment From the Start

Your first step in any recovery program is to safely remove drugs or alcohol from your system. The detox process should occur under supervision in order to be done safely. Withdrawal symptoms can become intolerable if you are at home alone, and can lead to life-threatening complications if you don’t have medical care. To safely detox from drugs or alcohol, an addiction treatment facility is the only safe way to do so.

Once detox is over, you can move on to a structured, short-term addiction treatment facility. In such a program you will be treated with the respect and dignity you deserve as you move forward in your life. You will meet others who are in recovery and you will attend group sessions to learn more about addiction and recovery. You will also work with a counselor to discuss your treatment needs and develop a treatment plan so you can work on your goals.

A treatment plan works as a guide to help you get the most out of your recovery. When you have clear goals in treatment, it becomes easier to understand how your recovery process is going. You can decide what type of treatment you need next and talk with your counselor about what your treatment options are.

When you have Blue Cross Blue Shield insurance, you will be able to receive addiction treatment no matter where you are in the United States. You’ll want to learn what level of coverage you have so that you can plan your recovery based on what your insurance will cover. If you need additional treatment, you can always work with a private facility that offers financing.

Recovery From an Addiction is a Process

If you are committed to your sobriety, nothing will be able to stop you. With the help and encouragement of places such as Silver Ridge Recovery, you can get the support you need to live a sober life. You’ll learn relapse prevention strategies and you will talk about the signs that can indicate a relapse is near. When you pay attention to the signs of relapse, you will be able to help prevent a relapse by engaging with the relapse prevention strategies you have learned.

Recovery is a process, and this process begins with accepting the help you deserve. No matter what type of health insurance coverage you have, there are choices when it comes to addiction treatment. Don’t be afraid to ask questions and look for ways to pay for addiction treatment so that you can begin to live your best life.

References:

1. Health insurance from invention to innovation: A history of the Blue Cross and Blue Shield companies – https://www.bcbs.com/the-health-of-america/articles/health-insurance-invention-innovation-history-blue-cross-and-blue

2. Get Healthcare Coverage for 2018, Health Insurance Marketplace – https://www.healthcare.gov/get-coverage/

3. The Health Insurance Portability and Accountability Act – https://www.cms.gov/cciio/programs-and-initiatives/other-insurance-protections/mhpaea_factsheet.html

4. What is HIPAA – https://searchhealthit.techtarget.com/definition/HIPAA