Blue Cross and Blue Shield Association Rehab and Sex Addiction Coverage

Sex addiction is a serious condition that can put your health at risk. This addiction not only exposes you to the possibility of sexually transmitted infections, but it can also have a negative effect on your professional life and your personal relationships. To prevent significant complications, you need to seek treatment as soon as possible. However, addiction treatment can be expensive. Luckily, if you have a Blue Cross and Blue Shield Association insurance policy, some of these expenses may be covered under your plan.

About Blue Cross and Blue Shield Policies

If you have a policy from Blue Cross and Blue Shield, it will likely fall into one of the following categories:

  • Catastrophic Insurance
  • Health Maintenance Organization Plans
  • Preferred Provider Organization Plans
  • Point of Service Plans
  • Exclusive Provider Organization Plans

The Blue Cross and Blue Shield Association Sex Addiction Coverage you can expect to receive depends on the type of plan you purchase.

Catastrophic Insurance

If you have catastrophic insurance, you will most likely have a high deductible to meet before your Blue Cross and Blue Shield Association Sex Addiction Coverage will begin. Even after meeting your deductible, you may still have certain cost-sharing requirements to satisfy, such as copays or coinsurance.

Health Maintenance Organization Plans

Health Maintenance Organization plans require you to receive all addiction treatment from within the HMO network in order to qualify for coverage. Typically, your primary care doctor will also need to refer you to a specialist before you begin treatment. Otherwise, treatment may not be covered by the plan. As with other policies, you will need to satisfy your deductible and coinsurance requirements as well.

Preferred Provider Organization Plans

Preferred Provider Organization plans will typically pay for care you receive from within the PPO network, as well as for out-of-network care. However, the policy won't pay as much for the care you receive if you choose an out-of-network provider. Some plans may also maintain a separate, higher deductible for out-of-network expenses.

Point-of-Service Plans

Point-of-Service plans operate similarly to PPO plans. However, you are required to pay for care at the time of service.

Exclusive Provider Organization Plans

Plans in this category cover in-network care at a higher rate than out-of-network care. You may also be required to obtain a referral for a specialist from your primary doctor before you begin sex addiction treatment if you have an EPO plan.

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