Does Horizon BCBS Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

If you or someone you love is struggling with substance use disorder, there are countless options for assistance and support. Many people are fighting drug or alcohol addiction alone and hesitate to seek help. The financial burden of paying for addiction treatment may hold you back from embarking on your journey to recovery. If you’re ready to seek help, there are ways to get it. Don’t let financial worries stop you from getting better. In 2020, over 80,000 residents were admitted to addiction treatment centers across New Jersey.¹ 

Horizon Blue Cross Blue Shield understands the importance of providing effective substance abuse treatment. If you’re a Horizon BCBS member, at least some of the cost of addiction treatment will be covered under your insurance plan. Depending on your specific plan, you may even receive coverage for all costs. Even if you don’t have insurance, there are several options for financial assistance, such as grants, scholarships, and bank loans.

You may wonder how much of the costs for addiction treatment your insurance will cover. Verify your insurance by calling the number on the back of your insurance card for more information about your specific plan. You can also reach out directly to the rehab center you’re interested in attending and provide them with information to verify your insurance. American Addiction Centers (AAC) can also verify your insurance through online chat, phone, or by filling out our SSVOB form.

What is Horizon BCBS?

Horizon Blue Cross Blue Shield of New Jersey has been serving the tri-state area since 1932.²  As 1 of the 35 independent, locally-run branches of the Blue Cross Blue Shield Association, it provides access to high-quality, affordable healthcare for New Jersey families and businesses. Horizon BCBS has been working towards its mission to build healthier communities by empowering members to achieve their best health.²  They’ve led several innovations to achieve their vision of improving affordability, quality of healthcare, and member satisfaction.² 

Horizon BCBS provides healthcare access to 3.6 million people across New Jersey.²  They strongly believe in providing members with the best tools to care for their health. This includes providing addiction and mental health treatment coverage with hundreds of in-network options for rehab centers and recovery programs in New Jersey and the tri-state area.

How Much Does Horizon BCBS Cover (Addiction Treatment)?

With Horizon BCBS, you’ll receive coverage for some, if not all, of the cost of most addiction treatment programs. Since everyone is unique, treatment approaches will vary based on your specific needs. Facilities provide access to different options for treatment, like medical detox, inpatient rehab, outpatient rehab, and addiction aftercare. Your specific plan will determine the coverage you receive. Some common options for addiction treatment covered by your BlueCross BlueShield insurance are:^{3 what treatments are available?}

• Inpatient or residential rehab programs: If you need to take a break from your daily responsibilities to completely focus on recovery, inpatient programs are safe spaces where you live while in treatment. In these programs, you’ll focus on building healthy coping skills to better handle stressful situations and promote long-term recovery. Most programs last between 30 to 90 days, but some offer treatment anywhere from 6 months to 1 year.
• Outpatient rehab or therapy: Outpatient programs are a great choice for treatment if you want to continue living at home while taking care of responsibilities like family or work. Most outpatient programs include similar treatments to inpatient rehabs, like peer support groups and therapy in individual and group settings focused on developing skills to fight addiction triggers and prevent relapse.
• Intensive outpatient programs (IOP): IOPs are more rigorous outpatient programs requiring you to visit your treatment center a certain amount of times per week while still living at home and taking care of your responsibilities.
• Partial hospitalization programs (PHP): Also known as day treatment programs, PHPs are facilities similar to inpatient programs. They require you to attend treatment at least 5 to 7 days a week for multiple hours a day while still living at home.

Does Horizon BCBS Insurance Cover Mental Health treatment facilities?

A co-occurring disorder or “dual diagnosis” happens when a person suffers from at least 1 mental health illness along with a substance use disorder. Co-occurring disorders are very common, with about half of those struggling with addiction also having a mental health illness.⁴  Mental health professionals recommend seeking treatment in a mental health facility where both illnesses can be addressed in tandem.⁴ 

The onset of dual diagnosis is thought to occur in 2 different ways. Some who already struggle with mental illness use substances to relieve their symptoms, resulting in addiction over time. Others develop a mental health disorder from the long-term, excessive use of drugs or alcohol.⁴  Either way, both illnesses should be treated simultaneously to promote complete recovery and prevent relapse.⁵  The Affordable Care Act (ACA) considers mental health care and treatment an essential benefit and mandates that insurance companies provide coverage.⁶ Seeking treatment for conditions like co-occurring disorders or heroin addiction will always be at least partially covered by your BlueCross BlueShield insurance.

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

Attending treatment is the first step to getting better, but remaining in treatment as long as you need to is essential to achieving long-term recovery. Mental health professionals agree that longer treatment times are considered the most effective, even though everyone is different and has unique needs. ⁵  The longer you spend in treatment, the more time you’ll have to address any underlying issues contributing to your addiction. You’ll build the necessary skills to fight addiction triggers and remain sober.⁵ 

If you’re wondering how long your BlueCross BlueShield insurance will cover your treatment costs, reach out to your insurance provider for more information. The different tiers of coverage and types of policies will determine your BlueCross BlueShield coverage for the length of time you spend in treatment. To find out exactly what’s covered under your Horizon BCBS policy, call the number on the back of your insurance card or reach out to American Addiction Centers for assistance.

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

If the treatment program that best fits your needs isn’t covered under your Horizon BCBS insurance, don’t let this deter you from seeking treatment. Seeking treatment as soon as you can is your best option instead of putting it off for another day. Many options for financial assistance, like scholarships, grants, and loans are available that will cover some, if not all, of the costs of treatment. You can receive coverage for medical detox, inpatient and outpatient programs, and addiction aftercare. Some options for financial assistance include:

• Government-funded programs: The Substance Abuse and Mental Health Services Administration (SAMHSA) assists people fighting addiction through block grants. These grants serve high-risk and at-risk populations struggling with addiction, especially expecting mothers, mothers, and IV drug users.⁷ 
• State-funded rehabs and local assistance: Many state and local organizations offer full or partial scholarships to fund medical detox and addiction treatment programs. The level of coverage will vary, but at least some of the costs for treatment will be covered.
• The Affordable Care Act (ACA): People with low or no income who are seeking treatment are encouraged to apply for subsidies from the ACA to cover different addiction treatment options.⁶
• U.S. Department of Veterans Affairs (VA): Veterans suffering from substance use disorder can receive financial aid from the VA for various treatment options like outpatient programs, medical detox, and mental health care.⁸ 
• Loans and financing: You can apply for personal loans to finance your journey to recovery.

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

When deciding on a drug rehab program, be sure to confirm whether the provider is in your network. In-network providers are doctors and hospitals contracted through your BlueCross BlueShield insurance to provide healthcare services.

Choosing a provider in your Horizon BCBS network is the best way to guarantee that at least some of the cost of your treatment will be covered. You may still have to pay some out-of-pocket fees like deductibles and co-pays, but if you choose an out-of-network provider, you’ll likely have to pay all costs out of pocket.

To find out whether a provider is in your network, contact your insurance company or reach out to the rehab directly to verify your information. American Addiction Centers can also help.

How to find Horizon BCBS-covered Inpatient drug treatment centers in NJ?

If you want to learn more about your specific insurance plan, AAC can verify your insurance coverage for you. You can contact us through online chat for assistance from 1 of our agents. You can also call our helpline to speak to 1 of our representatives, who can check your benefits for you right while you’re on the phone. Thousands of New Jersey residents go into rehab financed through Horizon BCBS every year.

American Addiction Centers offers access to some of the leading treatment centers in the nation. All of our facilities offer top-notch, evidence-based treatment focused on addressing your unique needs. With exclusive amenities and accommodations, you can receive a variety of treatments, such as medical detox, residential rehab, outpatient programs, and different therapies.

Does Horizon BCBS provide rehab coverage nationwide?

Horizon BCBS provides coverage for AAC treatment centers nationwide. Some of our best facilities include:

• 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.