Blue Cross and Blue Shield Association Opiates Rehab and Opioid Detox Coverage

If you are suffering from an addiction to opiates, getting the right treatment is essential to your health. However, treatment can be expensive, so the coverage provided by your insurance policy will affect your financial future dramatically.  

The Blue Cross and Blue Shield Association offers a variety of health plans that provide coverage for opiates rehab and opioid detoxification. When it comes to getting treatment, finding a plan that offers the appropriate amount of Blue Cross and Blue Shield Association Opioid Detox Coverage can make all the difference. 

Plan Options

Blue Cross and Blue Shield insurance offerings may vary by state. However, available plans typically include:

  • Gold plans
  • Silver plans
  • Bronze plans
  • Catastrophic coverage

These plans differ according to their premiums, deductibles and covered services. However, all of Blue Cross and Blue Shield's plans typically provide coverage for opiate rehab and detox services.

What Will You Pay?

The amount you can expect to pay for your opiate rehab or detox services when you have coverage through Blue Cross and Blue Shield is heavily dependent on the provisions of your plan. Some of the factors that may affect your Blue Cross and Blue Shield Association Opioid Detox Coverage include:

  • Deductible - All Blue Cross and Blue Shield plans include a deductible, which is the amount you must pay before certain services will be covered. If you haven't paid your full deductible yet, you will need to meet it before your addiction treatment services will be covered.
  • Coinsurance - Blue Cross and Blue Shield requires copays and/or coinsurance for opiate rehab and detox services. The copay is a flat amount you must pay for each service, while coinsurance is the percentage of the remaining costs that you must pay after you have met your deductible. Neither of these costs will apply if you have met your out-of-pocket maximum.
  • In-network versus out-of-network - Most of Blue Cross and Blue Shield's insurance plans include a network of acceptable providers. In order to qualify for coverage from Blue Cross and Blue Shield, you must choose a provider from within this network. Otherwise, your services will not be covered by the plan.

Preauthorization

Another important factor that may affect the amount Blue Cross and Blue Shield will pay for opiate addiction treatment is the need for preauthorization. In order to receive coverage for certain services, you must receive a prior authorization directly from Blue Cross and Blue Shield.

At the time of publication, preauthorization is not required for visits to behavioral therapists. However, preauthorization may be required for inpatient or outpatient addiction treatment. Your plan documents should indicate whether preauthorization is necessary under your policy. If you have additional questions about coverage, call the insurance company directly for assistance.

"Blue Cross and Blue Shield Association Opiod Detox Coverage"

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