Blue Cross and Blue Shield Coverage for Rehab in New Jersey
Rehabilitation can be a frightening and stressful prospect. Many people may be hesitant to take the first step toward therapy. Admissions costs are one of the most dreadful aspects of rehabilitation. Insurance companies, such as Horizon Blue Cross Blue Shield of New Jersey, can help with recovery costs. Whatever problems you or a loved one are having, the only way to truly recover is to get professional help.
Regardless of the cost, your life is priceless. Addiction can wreck a person’s life while also harming those around them. You may be able to lower your rehab expenses with the help of your insurance provider, allowing you to focus on rehabilitation and receiving superior addiction treatment in the Garden State or nationwide.
What is Horizon Blue Cross Blue Shield?
Horizon Blue Cross Blue Shield of New Jersey (BCBSNJ) is a prominent insurance company in New Jersey. BCBS of New Jersey covers over 3.7 million members in 21 New Jersey counties. The company aids with medical issues and addiction. Horizon BCBSNJ can help your family overcome addiction.
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Like almost all insurance carriers, this insurance provider’s coverage is based on the therapy in mind. This is especially true when it comes to substance abuse treatment. Horizon BCBS of NJ provides a wide range of services, including rehabilitation and addiction treatment. Horizon Blue Cross remains one of the largest insurers of families and businesses in New Jersey and around the country.
This coverage extends beyond preventative care to include treatment for mental health and substance use disorders. That is reassuring to hear because many people considering treatment for substance use disorders are concerned about whether their insurance will cover it and the cost. What is covered depends on various circumstances, including the type of insurance plan you have.
Is Rehab Treatment Covered by Horizon Blue Cross Blue Shield of New Jersey?
Yes. If you have Horizon BCBS of NJ insurance, your insurance will cover at least a percentage of rehab and other addiction treatment costs. Treatment for substance use disorders is an essential health benefit under the Affordable Care Act (ACA). The majority of substance use disorder therapies are required to be covered. This means that your Horizon BCBSNJ plan will pay a portion of the cost of your addiction treatment, including rehab.
Horizon BCBS of NJ plans differ in terms of monthly prices, deductibles, and the degree of medical treatment coverage. Your out-of-pocket payments and therapy coverage will vary depending on several factors, including the rehab facility you choose, the kind of care you require, and the amount of time you stay in rehab.
Horizon BCBS of NJ also provides comprehensive behavioral health services and may connect you with substance abuse care and treatment programs.
Specific behavioral health interventions (for example, rehabilitation) may necessitate prior authorization. This implies you’ll need a doctor to sign off on the need for addiction treatment. Horizon BCBS of NJ’s behavioral health care team will collaborate with you and your physician to ensure you receive the appropriate assistance and treatment.
Call our recovery representatives at Find Addiction Rehabs to find out the exact coverage for addiction or mental health treatment of any kind, confidentially and within minutes.
Types of Addiction Treatment That Horizon Blue Cross Blue Shield of New Jersey Covers
There are several techniques for treating substance addiction, including alcohol, illegal narcotics, and prescription pharmaceuticals. Your method of addiction treatment should be tailored to your specific needs. The substances you are using, the amount of time you have been using them, and the level of care you require or prefer will all be considered when creating the best treatment plan for you.
Horizon BCBS of NJ may cover a variety of addiction treatment options, including the following:
Prescription medications help patients withdraw from drugs and alcohol safely and comfortably before participating in a treatment program such as inpatient or outpatient rehab.
Patients who receive inpatient rehabilitation remain in a residential setting at the treatment facility. For example: Horizon BCBS of New Jersey Inpatient therapy is the most well-known addiction treatment technique. It usually necessitates a stay in a facility for a few days, weeks, or months (inpatient care) while receiving round-the-clock care. Standard treatment components are detection and withdrawal help, medicine, psychotherapy, and other medical care.
Allows patients to stay in their homes throughout the day while receiving therapy at a facility. Another well-known addiction treatment is New Jersey Horizon BCBS Standard outpatient treatment. Outpatient care comprises visiting a facility for treatment or other types of care weekly or biweekly. While the time commitment of outpatient programs varies, many allow patients to attend to family and work duties during the day while undergoing therapy in the evening.
Intensive outpatient program (IOP)
Patients in an Intensive outpatient program (IOP) live at home, just like patients in standard outpatient programs, but the treatment takes longer. Patients are treated several days a week for three to four hours per day.
Partial Hospitalization Program (PHP)
This is a time-consuming program in which patients must attend treatment five days a week for four to six hours per day, similar to an inpatient program. While enrolled in a PHP program, you can live at home.
After completing an inpatient or outpatient treatment program, persons who participate in aftercare programs receive continued assistance. Aftercare programs can aid in long-term rehabilitation and relapse prevention.
While coverage varies depending on the Horizon BCBSNJ policy, you can be confident that at least a portion, if not all, of the cost of drug or alcohol rehab, will be covered. Remember that out-of-pocket expenses like copays and deductibles may still apply.
How Long Can Horizon BCBS Insurance Cover Inpatient Alcohol and Drug Rehab Program in New Jersey?
There is no standard length of coverage for inpatient alcohol and drug rehab because each health plan is different. Furthermore, each person’s journey to recovery is unique, depending on their personality and whether they are dealing with addiction, a mental health issue, or a co-occurring disorder. Collaboration with your healthcare practitioner is critical in finding the best treatment plan for you.
While there is no universally agreed treatment period, data suggests that successful therapy for substance use disorders should last three months. The coverage period for treatment for substance use disorders or co-occurring disorders, including inpatient alcohol and drug rehab, varies based on your plan type and treatment facility.
How Does Horizon Blue Cross Cover Determine the Amount of Coverage?
Horizon Blue Cross assists in the coverage of a wide range of addiction treatment and rehabilitation scenarios. A variety of things determine the amount of coverage. These components are as follows:
- Treatment time frame
- How long have you been using the drug
- The substance/drug being abused
- The type of the treatment required
- Which state or region do you call home?
Because you will be staying in a rehab facility, inpatient/residential therapy is significantly more expensive and time-intensive, as previously indicated. While the treatment is more comprehensive and practical, the expense is higher because of the length of stay. On the other hand, outpatient care allows you to live your life at home, which is significantly less expensive.
These criteria determine the majority of Horizon Blue Cross coverage. Make sure that you wholly and accurately specify the necessary therapy demands for your treatment – work with a licensed specialist on this. You can always check with our team at Find Addiction Rehabs to see what is covered as well, confidentially and without obligation of any kind.
How to Use Horizon BCBS to Cover Substance Abuse Treatment
There are a few things you’ll need to do before attending rehab:
Consult your doctor
Consult your doctor or a counselor about your addiction issues. They can help you receive proper treatment and maintain continuity of care after leaving the treatment institution.
It is necessary to obtain pre-approval for rehab coverage
Before approving coverage for addiction treatment, most insurance companies require pre-authorization. This is essentially documentation from your primary care physician certifying the medical necessity of rehabilitation and therapy, our team at Find Addiction Rehabs can help you locate facilities that will manage this easily and quickly on your behalf.
Check with Find Addiction Rehabs to locate treatment facilities that accept your insurance
Check with our recovery representative to find out if your coverage from Horizon BCBS is accepted in-network at facilities near you. This signifies that the facility has a contract with the insurer to reduce care to Horizon BCBS members, reducing out-of-pocket expenses.
How Much Does Substance Abuse Treatment Cost with Horizon Blue Cross Blue Shield?
The cost of substance misuse treatment differs significantly between New Jersey and neighboring states, and even more so in western states such as California and Colorado. It is determined by the individual’s medical and psychological needs, specific insurance plan, addiction history, and any co-occurring conditions (such as depression or anxiety) that may necessitate treatment.
Horizon BCBS plans in New Jersey, and neighboring states commonly cover part or all drug and alcohol addiction treatment, including inpatient and outpatient rehab.
What If My Horizon BCBS Policy Doesn’t Cover a New Jersey Inpatient Drug Rehab Program?
Even though the ACA requires all health plans to cover treatment programs, including inpatient drug rehab programs, your treatment may be paid for in part or entirely. This could happen if you obtain care from a provider, not your network. Alternatively, your insurance company may only cover a fraction of your treatment expenditures.
If this is the case, you may have to pay for your counseling. However, you may have additional choices to help cover the cost of therapy. Inquire about specific financial alternatives provided by your rehabilitation program. Furthermore, you may be eligible for scholarship options you might apply for.
Horizon BCBS In-Network vs. Out-of-Network New Jersey Inpatient Drug Rehab Centers
Understanding the distinction between in-network and out-of-network inpatient drug rehab clinics may assist you in saving money on your drug treatment fees. In-network providers are often reimbursed higher under your health insurance coverage because they are part of your insurer’s approved doctor and facility network.
Visiting one of these providers or facilities will result in fewer out-of-pocket charges than visiting an out-of-network provider (a service or facility that is not part of your insurer’s approved provider or facility network). In other situations, your health insurance plan will not cover any out-of-network care.
Does Horizon BCBS Insurance cover mental Health Care in New Jersey?
The Affordable Care Act, the federal healthcare reform law, requires all health plans, including your Horizon BCBS plan, to provide essential health coverage (ACA). The ten required important health benefits include mental and behavioral health treatment. This implies that your Horizon BCBS plan must cover certain services, such as substance abuse treatment, inpatient care for mental and behavioral health disorders, and behavioral health counseling.
Co-occurring disorders develop when you have mental health illness and a drug use problem. You will be able to acquire proper therapy due to the Affordable Care Act’s mandate, which is critical for long-term success in treating both disorders.
Do New Jersey Rehabilitation Facilities Accept Horizon Blue Cross Blue Shield?
In New Jersey, several rehabilitation institutions accept Horizon Blue Cross Blue Shield benefits (BCBS). Horizon BCBS is a nationwide insurance company that may cover drug and alcohol rehab based on your plan and circumstances.
New Jersey Blue Cross Blue Shield is another name for Horizon Blue Cross Blue Shield of New Jersey. Horizon Blue Cross Blue Shield may cover some or all of detox costs, inpatient or outpatient rehabilitation, or longer-term residential treatment programs.
Reach Out to Find Addiction Rehabs for Top Horizon BCBS of NJ Treatment Options
Remember that postponing treatment for financial reasons is not an option. Getting the treatment you need right away can make a big difference in your life—and it may even help you save money. If you put off starting treatment for too long, you may find that you need to stay longer to overcome your addiction, resulting in more significant long-term rehab expenditures.
And don’t discount the rising lethality of synthetic opioids and the rise of ‘super meth,’ with extremely high purity and associated risks. It has never been a more deadly time to suffer from a substance use disorder than now, so please don’t delay in reaching out for help.
There were 2,841 documented drug overdose deaths in New Jersey between April 2020 and April 2021. If you or a loved one is struggling with addiction in New Jersey, it is vital to understand what Horizon Blue Cross Blue Shield will cover for recovery.
Find Addiction Rehabs can and will help you find treatment centers that accept Horizon BCBS of New Jersey insurance, so please reach out to our dedicated recovery representatives today for a full range of nationwide options for you or your loved one. The time to act is now!
Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by Blue Cross Blue Shield. Details about BCBS’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.
Edward lives and works in South Florida and has been a part of its recovery community for many years. With a B.A. in English Literature from the University of Massachusetts, he works to help Find Addiction Rehabs as both a writer and marketer. Edward loves to share his passion for the field through writing about addiction topics, effective treatment for addiction, and behavioral health as a whole. Alongside personal experience, Edward has deep connections to the mental health treatment industry, having worked as a medical office manager for a psychiatric consortium for many years.