Rehab Centers That Accept BCBS Insurance


If you or someone you know needs addiction treatment like rehabilitation or detox, and if you’re wondering whether health insurance covers such expenses, then the answer is yes.


Breathe a sigh of relief because several Blue Cross Blue Shield policies across every state in the country cover costs pertaining to addiction treatment.


The kind of coverage you can get from BCBS depends on where you are located and the nature of your  insurance plan. But, first, let’s understand what BCBS is all about.

Rehabs That Accept Blue Cross Blue Shield Insurance

Rehabs That Accept Blue Cross Blue Shield Insurance

What is Blue Cross Blue Shield Insurance?


Established in 1929, BlueCross BlueShield Insurance is a broad network of 35 affiliated healthcare companies, community-based and locally operated, that provide insurance for healthcare treatments across all 50 states of the United States of America.


Collectively BlueCross Blue Shield is among the largest providers of health insurance in the United States and nearly one in every three Americans rely on companies registered with BCBS for affordable and safe healthcare.

Up To 100% Of Treatment Covered Using BCBS


The Types of Blue Cross Blue Shield Policies?


Health Maintenance Organization (HMO)


The BCBS HMO plan allows policyholders the option of consulting with any of the participating 44,000 providers in their network. But emergency services outside of the network are covered in the plan.


Preferred Provider Organization (PPO)


The PPO plans under BCBS offer maximum flexibility. Policyholders can choose from a network of more than 47,000 providers locally and tens of thousands nationally. However, costs will be higher when you consult with a specialist or doctor who is not part of the Blue Cross and Blue Shield network.


When it comes to addiction treatment, a PPO policy gives the policyholder the greatest number of treatment options including the flexibility to pick a treatment center specific to their needs.


PPO policyholders are also not bound to visit an in-network facility for treatment, giving them the leeway to travel to a rehab center of their choice, preferably one that also covers mental health treatment along with addiction.


A PPO policy is therefore always recommended to individuals seeking addiction treatment.


Catastrophic Plan


Catastrophic plans are primarily designed for young adults and have low premiums compared to comprehensive plans. These plans, however, have comparatively high deductibles. The BlueChoice Young Adult plan for example is open to individuals under the age of 30.


BCBS’s Metal Tier System:


In an attempt to make the comparison of different plans simple, the Affordable Care Act (ACA), requires that every health insurance plan (excluding Catastrophic plans) is categorized into one of four levels, also known as metal levels. The four tiers are Bronze, Silver, Gold, and Platinum and each covers similar fundamental benefits.


The difference lies in the percentage that the plan will pay towards your healthcare at different levels. It goes without saying that out-of-pocket costs, as well as the monthly premiums, would vary at each level.


Bronze plans typically have the lowest costs, and it is often recommended for people who do not need to visit a doctor often since plans in this category have low monthly premiums and high deductibles. Platinum plans on the other hand cost the highest.


While plans under the Bronze, Silver, and Gold tiers are offered in most cities in the country, the premium Platinum plans are only available in select cities.


Here’s a quick synopsis of the different tiers of insurance plans.


  • Bronze – Covers approximately 60% of medical costs. Plans in this level incur low monthly payments and a high deductible.
  • Silver – Covers about 70% of medical costs. These plans come with a comparatively higher monthly payment and lower deductible.
  • Gold – Covers around 80% of the medical costs and involves higher monthly payments and a relatively low deductible.
  • Platinum – The most premium plan, it covers around 90% of medical costs. It has the highest monthly payments and the lowest deductible.


Learn More About Insurance & Addiction Treatment


Does BlueCross BlueShield Cover Mental Health & Substance Abuse Treatment?


While the nitty-gritty of each plan depends on the individual policy, BlueCross BlueShield plans generally cover addiction treatments if not whole, at least in part. Most BCBS plans also cover medical detox if the same has been mandated as part of treatment especially in cases of treatment for alcohol addiction, opiate addiction, and  benzodiazepine addiction. This is because detoxing from these substances is fraught with risks and hence requires to be medically monitored.


Like with all other medical problems, most often only a part of the addiction treatment or detox may be covered by insurance.


It is therefore important to reach out to a BCBS representative to determine the extent of your coverage as well as the cost to you.


At Find Addiction Rehabs we have a team of insurance specialists who can verify your Blue Cross insurance for detox and rehab. The process is fast and easy. Our Representatives will explain to you all the benefits under your BCBS policy, and the treatment options available to you covered by your insurance.


Your plan will also determine the type of treatment center and the specific medical professional you choose to treat you.


That said, given that BCBS has quite a large network, it will not be difficult to find a treatment center that suits you best. The quickest way to find a rehab that accepts your Blue Cross Blue Shield insurance is by using their website to search for local service providers.

blue cross addiction treatment

Blue Cross Addiction Treatment

What Exactly is Covered Under Your BCBS Insurance Plan


Medical Detox Treatment: The Detox phase is when your body is getting adjusted to the lack of alcohol or any other substance on which it was dependent until now. Withdrawal symptoms can vary depending on the kind of substance, the period of usage, and the regular dosage, etc. Some withdrawal symptoms are known to be extremely acute, distressing, and even potentially dangerous, requiring intensive treatment.


Inpatient Residential Treatments: One of the benefits of a BCBS insurance plan is that you have access to extended treatments for up to a year if required. This means that you will be a resident patient and your BCBS insurance policy will cover the costs, irrespective of how much time it takes for you (within a year) to recover and get back on your feet. This is an awesome perk as it allows for individuals to enroll in a long-term rehab program, which has been proven to have a higher success rate for real recovery and sobriety.


Outpatient Treatments: Once your residential rehab program is complete, you can continue treatment while living at home or in a sober living house. These outpatient treatments include therapy sessions and counseling that are covered under your BCBS plan.


Sober Living Housing: Most often, the transition from radical treatment to independent recovery can be tough on patients. During this time, your BCBS insurance plan will cover the costs of Sober Living space. This is where you will transition back into normal everyday life, while still having the support of a sober living space and community.


Besides covering rehab costs, BCBS also offers follow-up services via means of the company’s OneHealth mobile platform. Through this platform, BCBS offers its customers continuous support and expert assistance at all times.


However, you first need to know whether you are covered by BCBS and whether you can count on your insurance provider to cover rehab costs. That said, there are laws in place within the country that mandate such coverage.


How Do I Know What My Blue Cross Blue Shield Insurance Covers?


Before you sign up for an insurance plan with Blue Cross Blue Shield, you may want to know what your insurance policy is most likely to cover. You can find this information on Find Addiction Rehabs where you can also get a free insurance verification. All you need to do is fill out a form and you will receive a response from their team within 5 minutes. Find Addiction Rehabs can verify your Blue Cross policy within minutes and let you know what treatment options are available to you.


The site will also give you information about the rehab centers that accept BCBS insurance. Even if you’ve partnered with some other insurance provider, you can find centers that will accept your existing policy, so that your treatments can be carried out without any hiccups.

Verify Your BlueCross Insurance For Detox & Rehab


How Can I Get Blue Cross Blue Shield Coverage for Detox and Rehab?


1. Use the Marketplace


Shopping for insurance providers and treatment providers is similar to looking for anything else. You have to scout the marketplace to find the best options that suit your specifications.


The open enrollment period is typically the best time to buy your health insurance. It is that time of the year where you can start, stop, or change a health insurance plan. Most plans require signing up around the end of the year and provide coverage for the next full year.


When it comes to private or individual health plans, the open enrollment window lasts for 45 days from Nov 01st to Dec 15th, each year.


The only other way to get an individual health plan outside the open enrollment period is by qualifying for a special enrollment period in case of life events like getting married, having a baby, loosing your job, etc.

blue cross rehab centers the market place

Buying Health Insurance Through The Market Place

2. Use your Employment


In many cases, the company you work for may provide you with BCBS coverage that includes detox and rehab. This is ideal since the cost of the cover is borne by the employer or organization. Most employers often contribute to the health insurance of their staff by either bearing the entire cost or on a cost-sharing basis. This makes it easier for employees to access healthcare benefits for themselves and their families.


3. Buy it Yourself Privately


You can always buy a BCBS policy yourself by working out feasible payment options. An advantage of buying it yourself privately is that your employer won’t be setting any limitations and you can opt for the coverage you need to secure yourself and your family.


If you are a parent with BCBS coverage, the policy also covers your children under the age of 26 years.


In cases of addiction treatment, as discussed above, the PPO plan offers the best and widest array of treatment options.


Shop for individual Insurance plans:

  • On the federal marketplace or viagov
  • By calling the marketplace call center at 1-800-318-2596
  • Directly on the website of an insurance provider
  • By connecting with a health insurance broker in your area


How Can I Pay the Costs Of Treatment Not Covered by My Insurance Plan?


While discussing treatment plans, most rehab facilities will explain to you the kind of coverage you can expect from your insurance provider and what costs you may have to incur on your own.


To know more about your options and to get a clearer idea of what your next step should be, get in touch with a treatment provider immediately. Most of the good ones are simply a call or an email away and they’d be happy to help you, no matter the situation.


Here are some ways you can go about financing costs that are not covered by your insurance plan:

Speak With AN Insurance Specialist Today


Take a Personal Loan To Pay For Treatment


One of the easiest and best ways to cover your rehab costs is to take a personal loan, and yes, banks do offer personal loans to customers in need of addiction treatment. Personal loans offer competitive interest rates and all you need is a good enough income coming into your bank account every month, a credible co-signer, and good credit history.


In-House Payment Plans


Most treatment facilities provide their own payment plans and programs depending on your convenience and ability. You can pay your treatment bill in installments, either monthly, bi-monthly, and so on.


Non-hardship facilities will find ways to customize your package and work within your budget. However, the best thing to do before diving into rehab is to scout for a Facility that meets your budget and offers you the kind of treatment and assistance required.


Alternative Financing


If taking a loan or paying by credit card are not an option, you can always visit crowdfunding sites and groups to explore other options and solutions. Especially for rehab, crowdfunding is a common go-to option.


While most crowdfunding sites offer funds for businesses and creators, there are a few that offer funds for personal growth and healthcare treatments like rehab. For personal fundraising, try GoFundMe, Causes, Indiegogo, and Kickstarter.


If you’re not entirely comfortable with the idea of sharing personal issues with other people, that’s completely understandable. If that’s the case, you can always reach out to your friends and family for a personal loan.


What is the Difference Between In-Network and Out-of-Network?


In-Network and Out-of-Network are common phrases you may have seen throughout the article. But understanding the difference between them will help you save a large amount of money on your treatment.


Health Insurance Network


Medical care providers across different specialties contracted to provide health care services to members with a health insurance plan are known as a health insurance network.




Any doctor, hospital, or care service provider that accepts your health insurance plan is considered to be in-network. They are also called participating providers. While certain plans only cover in-network, some plans cover both.




A physician, doctor, or hospital that does not have a contract with your health insurance plan provider is considered out-of-network. While out-of-network rehabs can and do accept most private insurance, they are only able to accept those who have out-of-network coverage on their policies. Healthcare plans like HMO, however, do not cover out-of-network care providers, except in cases of emergency.


The primary differences between the two are


  • In-Network providers are contracted with the insurance provider and will accept all insurance policies from that provider
  • Out-of-network policies can accept only those insurance policies that have out-of-network coverage.

Savings In-Network


Any care provider who is a part of the network agrees to accept a pre-approved amount for their service. For example, the consultancy charges of a doctor may be $150 for regular patients, but as part of the BCBS network, they may be allowed to charge plan holders an approved amount of let’s say $100, which is $50 lesser than their regular charge and benefits a BCBS member.


For doctors and hospitals that are out of network, the plan holder is responsible for paying the deficit between the full charge and the approved plan amount. This is known as the balance billing system. However, individuals who have out-of-network coverage are covered by blue cross and in most cases, their blue cross insurance can pay up to 100% of the treatment. But this is completely dependent on whether their deductible has been met.


Also in most cases, out-of-network facilities offer a higher level of care and better facilities as compared to those that are in-network.

Rehabs In-Network With BlueCross BlueShield


Blue Cross Blue Shield Drug Rehab Facilities: Finding Drug Rehabs That Accept Blue Cross Blue Shield


If you have a BCBS insurance policy and you want to find good treatment centers to seek help for addiction, rehab, and substance abuse, here’s what you can do:


Use a Provider Finder


BCBS has an in-house feature called the BCBS Provider Finder that can help you find doctors, treatment centers, hospitals, and specialists within the country. The first thing to keep in mind is to know what benefit plan you have and then use the Provider Finder to find you a suitable match. If you have opted for an international coverage plan, you can easily avail of care and treatment outside the country and your BCBS benefit plan will cover the expenses.


Use a National Program


A national program called the Blue Distinction Center for Substance Abuse and Recovery provides a slew of resources such as Substance Abuse and Mental Health Services Administration (SAMHSA) Treatment Locator, Narcotics Anonymous, Nar-Anon, Alcoholics Anonymous, Smoking Cessation, Suicide Prevention, etc.


Alternatively, you can also reach out to us at Find Addiction Rehabs where we can get you a free insurance verification for both detox and rehab. We work with a national network of detox and rehab centers within as well as out-of-network that accept the blue cross shield.

bcbs rehabilitation center

BCBS Rehabilitation Center

How Long Will Insurance Cover Rehab?


The amount of time that your BCBS insurance will cover rehab depends entirely on your healthcare plan, your recovery plan, the suggested level of care, given your condition. Depending on how intensive your addiction treatment plan is, your BCBS insurance plan will continue to cover rehab for as long as it is needed.


How Much Does Blue Cross Blue Shield Cover?


To understand how much your BCBS insurance will cover, you need to grasp certain terminologies first, such as:


Deductible – it is an amount you pay out of your pocket toward medical expenses before your plan can start paying for covered expenses.


Premium – the bulk amount you pay upfront toward your insurance to keep your healthcare insurance active.


Out-of-pocket cost – the amount that you pay toward your treatments from your savings.


Copay – is the percentage of the claim amount that needs to be paid by a policyholder under their health insurance policy.

Get Treatment With Little To No Out Of Pocket Cost


How Do I Know If I am Still Covered Since I Have Just Lost My Job?


If you have just lost your job, COBRA  can offer some assistance. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows individuals who’ve recently lost their health benefits, an option to shift to group health treatments that are part of group health plans, along with their families.


This plan is applicable only for a limited period. Hence, if you are in between jobs, you can access the COBRA Act for insurance to cover addiction treatments.


This is also applicable to individuals who were until now covered by their parents’ insurance but have recently turned 26 and, therefore, aged out and are no longer eligible for coverage under their parents’ policy.


Since losing a job is considered a life-changing event, individuals have the option of purchasing healthcare insurance outside of open enrollment.

lost job blue cross coverage

You’re Still Covered If You Loose Your Job

Will Blue Cross Insurance Cover Out of State Rehab?


It all depends on the nature of your plan. Most BlueCross BlueShield policies allow out-of-state treatment.


This is recommended as going out of state gets the individual seeking treatment away from people, places, and things that they associate with their addiction and allows them to focus on their recovery. In many cases, it has been found that going out of state gives people with addiction problems a better chance of long-term recovery.


Finding Addiction Rehabs using my Blue Cross Insurance


If you are determined to heal from toxic behavioral patterns and substance abuse, you can use your BCBS Insurance to find the most suitable treatment centers and addiction rehabs to help you.


You can start by verifying your insurance or could simply call us on 877-959-7271 to know more about treatment centers that are covered by BCBS insurance. By using the “filter by state” feature, you can take a look at the various treatment centers that are covered under the plan.


The insurance verification process is fast and easy. In most cases, verification can be done over the phone and the policyholder can be placed into a treatment facility the very same day.

Find A BlueCross BlueShield Rehab Today


Blue Cross Blue Shield Rehabs – Policy Limitations


Depending on the nitty-gritty of the plan you have chosen with BlueCross BlueShield, you may face certain limitations in terms of policies, rules, and eligibility that you should know about.


Typically, most BCBS’s insurance policies cover in-patient and out-patient treatment costs but there may be differences in the exact amounts of coverage. These variations usually depend on the kind of treatments needed and the added services or facilities.


Therefore, before you seek treatment options for substance abuse, addiction, or mental disorders, analyze and be aware of your insurance policy limitations to make a safe and sound decision and choose a plan that suits your needs best.


Rehabs That Accept Blue Cross Blue Shield Insurance: How to Start?


If you or someone you love is struggling with drug or alcohol addiction help is available. At Find Addiction Rehabs, we work with a network of drug and alcohol, detox and rehabs across the nation. Because of this we can pair you with a treatment facility that offers a program specific to your individual addiction and mental health needs. If you have Blue Cross Insurance, we can find you a facility that may cover most if not all of your treatment costs. For more information, reach out via our 24-hour addiction hotline, or on one of the many forms located throughout our website.