Does BCBS of Arizona Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

If you or a loved one is struggling with addiction, knowing what steps to take next can be confusing. For many who are battling drug and alcohol addiction, attending rehab is a critical component of their recovery. Like many other healthcare services, though, rehab, whether it’s inpatient or outpatient, can be expensive.

However, if you have a BCBS or Arizona health plan, you may be able to use your plan to help cover some or all of the costs associated with services rendered at inpatient alcohol and drug rehab centers or outpatient alcohol and drug rehab centers. The best way to check what is or is not covered under your plan is to call the number on the back of your insurance card or log in to your online BCBS of AZ portal.

You can also reach out to rehab centers directly and work with staff members to verify your benefits. Finally, American Addiction Centers (AAC) can help you learn more about your insurance via their confidential helpline, online chat function, or the instant benefits verification form below.

How to find BCBS Of Arizona covered Inpatient drug treatment centers in AZ?

Finding covered inpatient drug treatment centers or covered outpatient drug treatment centers in Arizona doesn’t have to be difficult. AAC is here to help you navigate your recovery from addiction. AAC is an industry leader in addiction care services and has renowned rehab facilities located across the country, including Laguna Treatment Center in nearby California and Desert Hope Treatment Center in nearby Nevada.

What’s more, AAC works with a variety of insurance companies and can easily check whether your BCBS of AZ plan is accepted at any of their facilities. If it isn’t, trained staff members can help you find a covered facility near you. Don’t wait any longer to find out what your treatment options may be. Call AAC’s confidential helpline today to speak to a real person who can check your benefits for you right while you’re on the phone.

What is BCBS Of Arizona?

BlueCross BlueShield of Arizona is 1 of the 34 independent and locally owned and operated Blue Cross Blue Shield companies that, collectively, help deliver health insurance solutions to 1 in 3 Americans across all the states in the country.¹

In Arizona, the licensed name of BCBS is BCBS of Arizona.¹ BCBS of AZ has been serving Arizonans since 1939 when 5 area hospitals and leaders in the community came together and formed Associated Hospital Service of Arizona, the company that later would become known as BCBS of AZ.²

Post-WWII, BCBS of AZ began to offer employer-based health insurance plans, which were used as a way to attract employees in an era of strict price and wage controls.² In the following decade, the 1950s, BCBS of AZ expanded its group plan offerings and began offering individual health insurance coverage to those who were self-employed and small employer groups.² By 1963, 226,086 Arizonans were covered by a BCBS of AZ health plan.²

Health plans that we know today began to be offered by BCBS of AZ. In fact, BCBS introduced 1 of the U.S.’s first health maintenance organization (HMO) plans during the 1970s, and in 1983, they began to offer a preferred provider organization (PPO) plan and vision benefits. By 1989, nearly 420,000 Arizonans were covered by a BCBS of AZ plan.

The following decade, in 1996, BCBS AZ and other hospital systems and BCBS plans came together to found the non-profit healthcare organizations and university hospital systems contracted by the Department of Defense to provide coverage to 2.7 million military members and their families over a 21-state region, called TriWest Healthcare Alliance.²

By 2010, BCBSAZ provided coverage to 1.2 million individuals, including 88,000 Arizonans under the Federal Employee Program (FEP). Today, more than 1.9 million Arizonans rely on BCBSAZ for health insurance and related services.³

How Much Does BCBS Of Arizona Cover (Addiction Treatment)?

BCBS of Arizona may cover a variety of healthcare services, including services related to addiction treatment. However, what is covered and the extent to which it is covered will depend greatly on various factors, including the plan you have and where you seek care. The best way to find out what types of care and how much of that care is covered under your BCBS of Arizona plan is to call the number on the back of your insurance card and speak with a plan representative.

Regardless of what may or may not be covered under your plan, there are common types of addiction treatment that may be recommended for you by your provider. Listed below are 4 common types of addiction treatment that may be right for your unique recovery journey:

• Inpatient or residential rehab. An inpatient or residential rehab program involves a patient living at a facility for the duration of their program, where they’ll receive 24/7 medical supervision and care, which could potentially include medically supervised detox.⁴
• Outpatient rehab or therapy. An outpatient therapy or rehab program involves a patient going to a facility 1–2 times a week to receive their care but will return home after each session.⁴
• Intensive outpatient programs (IOPs). An IOP is a more structured version of a standard outpatient program, where patients are required to attend a minimum number of hours of care each week.⁴
• Partial hospitalization programs (PHPs). A PHP, which is commonly known as a day program, involves patients attending 4–8 hours of care per day, multiple days a week, but no overnight stay is required.⁴

Please note that, even though there are treatments listed above, it is not guaranteed that they are covered by your insurance plan or are the right type of treatment for you. Work with your healthcare provider to determine what type of treatment is right for you and your path to recovery. You can call the number on the back of your insurance card to verify your benefits and coverage, which is essential for determining what may or may not be covered under your plan.

Does Blue Cross Blue Shield of Arizona provides coverage for mental health facilities?

Mental health care facilities provide essential care to those in need of mental health services or substance use disorder treatment. Under the Affordable Care Act, almost all U.S. health plans must provide coverage in some capacity for mental and behavioral health services, including substance use disorder treatment.⁵ This means that whether you need mental health care services, stand-alone heroin rehab, or co-occurring disorder treatment, your plan may be federally mandated to provide coverage in some capacity for such services.

A co-occurring disorder refers to when someone has both a mental illness and substance use disorder at the same time.⁶ While one doesn’t cause the other, many experts believe that those who have a mental illness are twice as likely to develop a substance use disorder at some point in their lives, and vice versa.⁶ Because of the interconnected nature of the 2 conditions, those with co-occurring disorders are recommended to undergo tandem treatment, where each condition is treated at the same time in rehab.⁶ 

Every health plan offers different levels of coverage, which is why it’s recommended that you call the number on the back of the insurance card and speak to a plan representative before you seek care whenever possible.

Does Blue Cross Blue Shield of Arizona cover addiction treatment therapies?

There are a variety of addiction treatment therapies that may be recommended for you to overcome your addiction. However, every BCBS of AZ plan is different and may cover therapies in different capacities. You can call the number on the back of your insurance card and speak to a BCBS of AZ plan representative today to learn more about which addiction treatment therapies are covered under your health plan.

How Long Does BCBS Of Arizona Insurance Cover Alcohol and Drug Rehab programs?

The length of time that your BCBS of Arizona health plan covers alcohol and drug rehab programs is dependent upon the plan you have, the treatment you need, and where you seek care. Beyond this, there may be various out-of-pocket costs for which you may be responsible when you use your insurance to cover the costs of rehab.

For example, you may owe copayments, deductibles, and coinsurance. The best way to find out what you may owe and any coverage length details are to get in touch with a plan representative, which you can do by calling the number on the back of your insurance card.

Regardless of what is or is not covered under your plan, it’s important to know that what is the recommended treatment length for you may not align with what your plan covers. Although every person is different, and some may need longer or shorter time of treatment, experts recommend staying in treatment for at least 90 days to improve overall outcomes.⁷

Be sure to work with your healthcare provider to determine what the appropriate amount of length of time for treatment is for you on your personal journey.

What if my BCBS Of Arizona policy does not cover an Inpatient drug rehab program?

If your BCBS of Arizona policy doesn’t cover the costs of an inpatient drug rehab program or outpatient rehab program, don’t worry. Depending on the rehab center you choose, there may be options for you to help pay for rehab. Some centers provide financing or scholarship options for which you can apply to help offset the costs related to rehab.

BCBS Of Arizona In Network vs. Out of Network Inpatient Drug Rehab Centers

You may have heard the terms “in-network” and “out-of-network,” but you may not be sure what they mean. A network is what it is called when a group of providers or facilities are contracted with your insurance company to provide various healthcare services at prenegotiated rates.⁸

However, every single BCBS of AZ plan has different networks, and it’s important to check your benefits to find out whether a facility or provider is within your plan’s network. You can do this by calling the number on the back of your insurance card, or work with the rehab center directly.

Rehabs That Take Blue Cross Blue Shield Insurance 

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Blue Cross Blue Shield insurance plan, the following AAC facilities accept Blue Cross Blue Shield for drug and alcohol addiction rehab.

• AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
• Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as offering a full continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, and tele-health.
• Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and tele-health, all in a luxurious setting with high-end amenities.
• Laguna Treatment Center: Located in Orange County, California, Laguna is a chemical dependency recovery hospital that focuses on treating people who are medically compromised and need 24/7 oversight. Provided care includes detox services, residential treatment, dual-diagnosis treatment inpatient treatment, and intensive outpatient services.
• Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and tele-health, all with individualized treatment programs.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Blue Cross Blue Shield insurance.

How to Verify BCBS of Arizona Coverage of drug rehab centers?

To be a wise healthcare consumer, it’s recommended that you verify your benefits and coverage prior to seeking care whenever possible. AAC is here to help you get the addiction treatment services you need while finding more out about your healthcare coverage. Call the confidential helpline today and speak to a person who can check your benefits right while you’re on the phone.

AAC, an industry leader in addiction care or treatment, has various locations around the country, in Nevada, California, and Texas. AAC staff can help you find out whether your plan is accepted at any of these locations, or find an in-network facility near you in Arizona. Call us today to get started.