Does BCBS Of North Carolina Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

Whether you’re dealing with an alcohol or a drug misuse issue, you can access your Blue Cross Blue Shield of North Carolina substance abuse treatment coverage for help. Blue Cross and Blue Shield of North Carolina provides behavioral health coverage for its members.^1(middle) Some of this coverage includes: ^1(middle)

• Behavioral health providers.
• Therapists.
• Psychologists.
• Psychiatrists.
• Addiction counselors.

When you are ready to move forward with treatment at a BCBS of North Carolina substance abuse treatment facility, you can reach out to the rehab for insurance verification. This is a quick way to ensure that your insurance is in network with the facility.

How to Find BCBS Of North Carolina Covered Inpatient Drug Treatment Centers in NC?

You can find rehabs in North Carolina that are accepted by your Blue Cross Blue Shield North Carolina mental health coverage by calling American Addiction Centers (AAC). AAC is a leading rehab provider with facilities across the United States. They can verify your Blue Cross Blue Shield North Carolina therapy coverage for you as you wait on the phone. AAC has rehab facilities nationwide and can direct you to a nearby substance abuse center if you are not aware of any.

You can also fill out the form located on this page or utilize the online chat forum for insurance verification information.

What Is BCBS Of North Carolina?

Since 1933, Blue Cross and Blue Shield of North Carolina has worked to provide healthcare plans and services to the community.² This not-for-profit North Carolina company serves over 3.81 million members, including almost 1.1 million served on behalf of other Blue Plans.²

BCBS of NC’s affordable health insurance plans have been helping members for generations.² Some of their plans include the following:^3,4

• Individual & Family
• Blue Medicare HMO
• Blue Medicare PPO
• Healthy Blue + Medicare (D-SNP)

How Much Does BCBS Of North Carolina Cover (Addiction Treatment)?

BCBS of North Carolina rehabilitation centers offer a range of treatment levels to aid in the recovery process. There are 2 main categories of treatment, with each having its own sub-categories of further clarifying treatment.⁵ Each treatment level assists with the movement through the program.⁵

The amount of coverage you will have from your Blue Cross Blue Shield of North Carolina drug detox treatment plan depends on specific policy details. You can obtain more information by calling the Blue Cross Blue Shield of North Carolina phone number and speaking to an admissions navigator.

Some people may benefit from staying in a therapeutic community for up to 2 years and then transitioning to an outpatient program for an additional several months.⁵

Your Blue Cross Blue Shield of North Carolina benefits should cover some of the following substance abuse treatment programs:

• Inpatient treatment program: During treatment at an inpatient rehab program, you can count on a supportive medical staff to be on hand if you need them. An inpatient program is suitable for people who are experiencing severe addiction problems. Treatment takes place in a licensed facility with 24-hour-a-day supervision. This gives people at risk the most intensive and secure setting for recovery. If you decide that inpatient treatment is right for you, the length of your stay can vary from weeks to months. An admissions navigator will personalize your treatment plan.⁶
• Partial hospitalization program (PHP): A PHP also provides an intense level of care that is like an inpatient rehab program. You’ll have the supportive environment to help in recovery. Therapy sessions fill up the day and provide you with strategies for overcoming challenging situations. At the end of the day, you’ll go to your own home and return to treatment the next day.⁷
• Intensive outpatient program (IOP): During an IOP, you’ll be participating in an outpatient program, but one that is more intensive in nature. Sessions are typically between 9 and 20 hours a week, which is more than a standard outpatient program. IOP usually lasts for about 2 months to 1 year.⁷
• Outpatient treatment program and therapy: A standard outpatient program is a good option for you if you need more flexibility in the schedule. Therapy sessions are usually once a week and can be conducted in the evening. Keep in mind that outpatient therapy will be less intensive. So, consult with the admissions navigator to be sure it will be adequate to meet your needs.⁷

Does Blue Cross Blue Shield of North Carolina provide coverage for mental health facilities?

You can receive Blue Cross Blue Shield addiction treatment and mental health treatment together at 1 facility using your insurance plan. However, first check drug treatment centers in North Carolina to ensure that they provide mental health services before beginning the admissions process.

Due to the Affordable Care Act’s (ACA) regulations concerning healthcare, you can receive mental health and substance misuse treatment simultaneously.⁸ The regulations map out the essential health benefits that insurers must provide to their members.⁸  These include co-occurring disorder treatment (mental health and substance misuse disorder treatment).⁸

Co-occurring disorders are common among people with substance misuse as well as those with mental illness.^9(overview) Whether you have one or the other, you are more predisposed to having both. That doesn’t mean that one causes the other, but there is a link.⁹

Researchers have identified some risk factors for substance abuse and mental health disorders. Some people may have someone in the family with a co-occurring disorder. If so, you will have a risk of developing it.⁹

People who have mental health disorders are at risk for substance abuse because of the tendency to self-medicate.⁹ Of course, not everyone will do this, but it is still a risk factor.

Finally, those who abuse substances suffer from a change in brain function over time. This can lead to mental illness.⁹

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

Your Blue Cross Blue Shield of North Carolina drug treatment plan varies on the length of time it will cover an alcohol and drug rehab program. Each policy has its own specific guidelines. Additionally, there may be fees or costs you have to pay associated with your plan, such as a copay.

When considering the length of your Blue Cross Blue Shield substance abuse coverage, you need to know how long you will be in rehab and the type of treatment you’ll need. Each treatment program has a recommended length of time.⁵ The amount of time you need in rehab will depend on what program you are admitted to.⁵

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

You have alternative options even if your Blue Cross Blue Shield of North Carolina insurance rehab doesn’t cover all your inpatient treatment. There are some residential treatment centers in North Carolina that offer financial assistance to eligible residents. Contact any of the Blue Cross Blue Shield of North Carolina insurance rehab centers for more information about their scholarships, grants, financial aid, free rehab, or payment arrangements. It’s best to seek a solution instead of putting it off.

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

Contact Blue Cross Blue Shield of North Carolina drug treatment providers that are in network with your insurance to reduce costs. In-network treatment centers of North Carolina are in a contract with the insurance company. So, they have agreed to provide reduced rates, which get passed on to the members. When going to an out-of-network facility, you don’t see these savings. Instead, you have to pay the full amount.

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.
• River Oaks Treatment Center: Located in the Riverview, Florida, River Oaks offers comprehensive addiction treatment for individuals struggling with addiction and co-occurring disorders. River Oaks is a Blue Cross Blue Shield Blue Distinction Facility, in recognition of their expertise in high-quality care for addiction treatment.

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.