Does Federal BCBS cover Inpatient Alcohol and Drug Rehab Centers?

Federal BCBS offers excellent inpatient alcohol and drug rehabilitation coverage, although the coverage varies according to your plan. To determine your coverage, you can call the number on the back of your insurance card, or you can reach out to American Addiction Centers (AAC) through calls, online chats, and an SSVOB form. Begin the admissions process today, and you’ll be on your way to sobriety.

What is Federal BCBS?

Established in 1960, the Blue Cross Blue Shield Service Benefit Plan, or Federal Employee Program (FEP), provides healthcare and services to federal employees, retirees, and their families.¹ They have earned the trust of members, with 99% of people staying with the insurance every year.¹

BCBS FEP now covers more than 5.5 million people and is considered the number one health insurance provider for federal employees.¹ FEP is known for including more facilities and doctors than any other network.¹

What types of drug treatments does Federal BCBS Insurance cover?

The Federal BCBS drug treatments that will be covered under your insurance vary depending on the specific policy and tier level of your plan. Also, keep in mind that your specific needs may be different than someone else’s.

Understanding what the various treatment levels offer in terms of care and services can assist you in getting the right treatment program. It may be beneficial to participate in more than one treatment level, as they follow a continuum of care. When you call AAC and talk to an admissions navigator, you can obtain more details about the various substance abuse treatment programs.

Your Federal BCBS may pay for the cost of some of the following drug treatment programs:

• Inpatient/residential rehab: Inpatient rehabilitation facilities provide 24/7 care, including medical treatment and psychological services. These facilities treat withdrawal symptoms and usually provide medically supported detoxification. Cognitive-behavioral therapy is a cornerstone of most inpatient rehab facilities. ²
• Outpatient rehab/therapy: This therapy allows you to live at home while receiving regular addiction treatment. You can maintain your other responsibilities since you’ll receive treatment on a flexible schedule. Outpatient rehab is best for those patients with less severe addictions.³
• Intensive outpatient programs (IOP): These programs are effective alternatives to inpatient rehabilitation for those patients who do not need medical detox or constant supervision. They provide coping strategies and relapse management. Studies show that their results are comparable to inpatient treatment.⁴
• Partial hospitalization programs (PHP): Partial hospitalization is an intensive outpatient program that is an alternative to inpatient treatment. You visit the hospital program for treatment daily but can go home at night, maintaining some of your normal schedule.⁵

Does Federal BCBS Insurance Cover Inpatient Mental Health Care Treatment Facilities?

Federal BCBS does cover inpatient mental health care facilities, which is necessary to offer some patients the treatment they need. For some addiction patients, this involves an inpatient stay.

Substance abuse disorders often occur in tandem with other mental health issues, such as depression, anxiety, bipolar disorder, and schizophrenia.⁵ Research shows that simultaneous treatment of these conditions alongside addiction is typically associated with better outcomes than treating them one after another.

Under the Affordable Care Act (ACA), insurance companies are required to provide mental health and substance abuse issues.⁶ In addition, the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 is legislation that states health insurance policies must cover mental health and substance abuse conditions the same as they do medical and surgical services.⁷

If your Federal BCBS plan covers inpatient stays for surgery, it must cover inpatient stays for mental health and substance abuse. Treatment limits should also be comparable, as should copayments, deductibles, etc.

How Long Does Federal BCBS Insurance Cover Inpatient Alcohol and Drug Rehab program?

Researchers agree that inpatient rehab should last for an adequate amount of time. But just how long is long enough, and how long will your BCBS insurance cover your costs? The answers to these questions vary from patient to patient. However, people who have been sober for a significant amount of time may still face a triggering incident and relapse.⁸ That’s why some people opt to continue with long-term treatment programs, whether it’s inpatient or outpatient.

A typical stay in an inpatient nonhospital setting is from 30 to 90 days. Therapeutic community settings are 6 months to 2 years. Once the inpatient program is completed, outpatient rehab can range from 30 to 120 days.⁸

Federal BCBS residential treatment centers may cover you for your inpatient care if it is in network. You can call the rehab facility directly, and someone will verify your insurance coverage to determine if it’s in network. Keep in mind that you may need to get precertification first. An admissions navigator will help create a treatment and discharge plan. If you have questions about your coverage, you can contact your insurer using the information on the back of your insurance card.

What if My Federal BCBS Policy Does Not Cover an Inpatient Drug Rehab Program?

If your Federal BCBS policy does not cover an inpatient drug rehab program, you can still find ways to pay for the treatment you need now. Some rehab centers offer financing or even scholarships. While finances are a valid concern, they are not reason enough to postpone critical treatment. When it comes to addiction, your treatment needs to begin immediately.

Federal BCBS In-Network vs. Out-of-Network Inpatient Drug Rehab Centers

When searching for treatment, you should try to find a Federal BCBS in-network facility. These facilities have a contract with Federal BCBS, which means you receive treatment at a much lower price than you would at an out-of-network provider. You can find out if a facility is in network by visiting your plan’s website (usually printed on your insurance card) and using their provider finder. Treatment centers also provide these tools, so you can check their contract status on their web pages if you wish.

If the facility you want to attend is out-of-network, you should check how much of the cost will be your responsibility. Some insurance plans have no out-of-network coverage at all. Others make the patient pay at least half of the cost.

How do I find Federal BCBS-covered Inpatient drug treatment centers?

You can speed up your road to recovery by connecting with AAC. AAC is a well-known addiction care provider with locations across the United States. They have leading, top-quality facilities that can assist you every step of the way on your path to sobriety.

Whether you need inpatient, PHP, outpatient, or co-occurring disorder treatment, an AAC facility is in network with BCBS Federal. You can call our admissions navigator now to find out about locations near you. Someone is always available to answer your questions and guide you to one of our successful addiction treatment programs.

Call our helpline now to talk to a specialist about the admitting process. They will verify your insurance coverage for you while you wait. Begin the first step to a brighter future today.

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.