Terms to Know for Blue Cross Blue Shield Rehab Coverage
Navigating insurance can be challenging, especially when trying to get addiction treatment. Knowing the following terms can help you get the most out of your calls with Blue Cross Blue Shield and your rehab center.
Deductibles are the out-of-pocket expenses you must pay before insurance starts to cover rehab. For example, If Blue Cross Blue Shield rehab coverage has a $500 deductible, you must pay $500 out-of-pocket before insurance starts paying.
Out-of-pocket costs are the money you pay out of pocket. This includes services not covered by your plan, out-of-network providers, and money paid toward your deductible and coinsurance.
Coinsurance is the percentage of the total health care service cost you are responsible for. For example, a coinsurance of 30 percent means if medical detox costs $1000, then Blue Cross Blue Shield will pay $700, and you must pay $300.
Copays or copayments are the set amount you pay when seeing a health care provider. For example, your Blue Cross Blue Shield rehab coverage may have a $25 copay for each doctor visit and a $100 copay for hospital stays.
Health insurance companies have contracts with health care providers to provide services for set amounts. Some Blue Cross Blue Shield rehab coverage only covers in-network services. These plans are the most cost-efficient.
If providers do not have a contract with Blue Cross Blue Shield, they are out-of-network providers. Seeing these providers will have higher out-of-pocket costs, so it’s crucial to know if you have coverage.
Types of Treatment With Blue Cross Blue Shield Rehab Coverage
In New Hampshire, there are a variety of drug and alcohol treatment centers. The first step right here in finding the right rehab is understanding your treatment needs. For example, severe addictions and addictions with co-occurring mental disorders need inpatient rehab. Others in the early stages of addiction often benefit from outpatient rehab programs.
Blue Cross Blue Shield rehab coverage may allow you to attend treatments such as:
Your Blue Cross Blue Shield plan provides at least partial coverage for addiction treatment at in-network rehab centers. Your exact coverage depends on your specific insurance plan. Whatever your coverage, you will still be responsible for out-of-pocket costs such as copays and deductibles.
What If My Blue Cross Blue Shield Rehab Coverage Only Covers Part of Treatment?
Although Blue Cross Blue Shield rehab coverage varies, it will cover at least some of your rehab costs. The portion not covered by insurance is on top of copays and deductibles. These out-of-pocket expenses can deter people from entering treatment.
Fortunately, there are programs to assist in paying these costs not covered by insurance. Some rehab centers offer scholarships or payment plans if you can not make the full payment upfront.
Other ways to help pay for rehab include:
- Loans such as Healthcare loans
- Fundraising such as GoFundMe
- Borrowing money from friends and family
Although addiction rehab is expensive and Blue Cross Blue Shield rehab coverage may only cover a portion of treatment, it is crucial to attend treatment. The longer you wait to get addiction treatment, the higher your risk of overdosing and the risk of dying.
How Do You Check Your Blue Cross Blue Shield Rehab Coverage?
There are multiple ways to check your Blue Cross Blue Shield rehab coverage. The insurance paperwork you received when enrolling with Blue Cross Blue Shield will state your benefits. You can also call them directly or check their website.
At Live Free Recovery Services, we can also verify your Blue Cross Blue Shield rehab coverage. We offer various ways to verify your insurance coverage, such as visiting our website or calling one of our representatives.
Start Your Recovery Today With Live Free Recovery Services
Are you or someone you love struggling with an addiction to drugs or alcohol? Does it feel like the addiction wins no matter how hard you try? At Live Free Recovery Services, we focus on healing what is feeding your addiction and encouraging recovery. Contact us today to find out more.