Drug abuse remains one of the most serious and intractable problems we face as a society. According to the National Institute on Drug Abuse, illicit substance use costs us $193 billion annually in crime, lost productivity and health care costs. Those figures don’t even include the most serious damage — the thousands of victims who die every year as a result of drug abuse, and the friends and family members left behind.
That’s why it’s extremely important to seek help as early as possible. As you prepare to investigate treatment options, be sure to verify that your insurance will cover the services you need.
Blue Cross and Blue Shield Drug Treatment Coverage
Although the parameters vary from policy to policy, Blue Cross and Blue Shield will generally cover treatment for drug abuse. Before treatment is arranged, however, it’s important to secure pre-certification, as this is required by Blue Cross and Blue Shield. Failure to do so could result in significant added fees.
Services offered at a Blue Cross and Blue Shield Association drug rehab treatment center include:
- Inpatient care
- Outpatient treatment
- Counseling
- Luxury or executive treatment
- Aftercare
There is no one-size-fits-all approach to drug abuse treatment. Some people benefit more from the structure and guidance of an inpatient approach. Other people require the flexibility offered by outpatient services.
How Much Will Blue Cross and Blue Shield Cover?
The amount and duration of treatment depends on the individual policy, and these policies vary considerably from state to state and person to person. That means it’s critical to verify your coverage limits before beginning treatment.
Generally speaking, Blue Cross and Blue Shield will pay for services deemed medically necessary. These payments may be partial or whole depending on your coverage. Blue Cross and Blue Shield Association drug rehab treatment center stays are typically between 30 and 90 days in length, depending on the severity of the issue and other factors.
Medically necessary follow-up care and counseling may also be covered. You should consult your specific policy to determine the exact percentages Blue Cross and Blue Shield will pay for all treatment.
Should you desire additional treatment not covered by insurance, you may always self-pay.
Left untreated, drug abuse can rip your family apart and deprive you of everything you hold dear. If you’re dealing with a drug problem, please act immediately by consulting the Blue Cross and Blue Shield website for more information.