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Does Blue Cross and Blue Shield Pay for Alcohol Rehab?

Blue Cross Blue Shield offers slots of different alcohol and drug treatment policies all over the country. During the detoxification phase, your brain works to get used to the absence of alcohol in your body. Symptoms of withdrawal include irritability and a sick feeling in your stomach, which normally dissipate after a few days.

Alcohol abuse can lead to your neglecting of important duties; for instance, it could include drinking and driving. Alcoholism leads to alcohol tolerance, which means that the alcoholic needs to take a lot of drink before they feel the same effect. Alcohol addiction withdrawal symptoms include jumpiness, uncontrollable shaking, sweating, nausea, depression, headache, and fatigue. Some of the alcoholism symptoms to watch out for include inability to stop drinking, neglecting responsibilities, and loss of control.

Does Blue Cross and Blue Shield Cover Alcohol Addiction Treatment?

Blue Cross and Blue Shield offers coverage for the treatment of alcohol-related issues in both individual and group policies. Some group plans also allow coverage that is similar to medical issues in hospitals. Every policy has deductibles, co-pays, individual limits, and per stay and per day maximums whose limits vary depending on the program itself or the state. Coverage could also differ based on the treatment package; for instance, in-network coverage is higher as compared to out-of-network programs.

Types of Rehab BCBS Pays For

Most treatment programs include behavior modification, counseling, as well as in and outpatient upkeep. Rehab plans also offer twelve step programs in Alcoholics Anonymous and outgoing support as additional services. The extra services have proved to be a success to those who take them seriously. Alcoholism demands a lot of work and dedication from those suffering from addiction, especially because it cannot be solved through medication like physical disorders.

How much does Blue Cross Blue Shield Cover as the Cost of Rehab?

Blue Cross Blue Shield covers a lot of treatment programs at diverse levels. A review of your policy can give clear information on what is covered and what will have to come from your pocket. Since treatment can prove to be very expensive, it is important to understand what is covered in order to avoid unexpected expenses. Every policy can come with out-of-pocket expenses, but this varies with the selected rehab programs.

In and Outpatient Addiction Treatment

With inpatient alcohol treatment programs, you can access a safe environment that essentially allows you to conquer addiction. Life skills are also provided in order to manage stress and determine the triggers that can create the urge to drink again. With both programs, the key to staying sober after treatment is abstinence, which again prompts the need for individuals to avoid settings that may trigger drinking. Outpatient programs usually offer most of the inpatient treatment options, just not with the overnight stay. This program allows the patient to attend to family and go to work while still receiving treatment. Determining the most suitable treatment for a patient will be dictated by their commitment and level of the problem.

Will Blue Cross Blue Shield Cover Local Rehab Facilities and Out-of-State Treatment?

Whether or not Blue Cross Blue Shield will pay depends on the involved policy. Some of the options are centered on whether a particular program is considered to be in or out of network. Like stated above, in network coverage is much higher than out of network programs. Because most insurance firms do not cover transportation expenses to and from rehab facilities, it is best to for a person dealing with addiction to find a treatment program that offers the maximum coverage. This should be balanced with a high-quality treatment option for the patient.

Does BCBS pay for Luxury and Private Treatment?

Although it depends on the patient’s choice of policy, Blue Cross Blue Shield offers coverage for both luxury and private treatment. The policies may, however, cover partial or whole costs of such services. When a policy covers partial costs, the holder has to pay for the balance. Luxury treatments raise the level of success by encouraging an individual to follow the program completely. This is because the availability of spa services, private rooms, and gourmet food in rehab facilities gives them a home-like environment; some even offer PPO options.

How to Pay for what is Not Covered by Insurance

There is quite a number of people who deserve treatment from a reputable rehabilitation center but cannot afford great insurance. Those who are not insured can form a payment plan with a treatment facility. For instance, they can agree to pay small amounts of installment until the total cost is covered.

Conclusion

Every journey has a beginning. When it comes to dealing with addiction, the recovery process starts with rehab. There are insurance policies that can help cover a patient’s treatment costs. Finding the best policy for an individual dealing with addiction will depend on their commitment to becoming sober, as well as the level of their drug problem.

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