Does BCBS of Oklahoma Insurance Cover Inpatient Alcohol and Drug Rehab?

Breaking free from substance use is a major challenge, and getting proper treatment is essential to help you build new habits and live substance-free in the long term. But how do you find the right treatment program, and how do you pay for rehab?

The good news is that if you have Blue Cross Blue Shield of Oklahoma, your health insurance may cover some or all of the cost of treatment. The Affordable Care Act (ACA) requires all long-term health insurance plans to cover 10 essential health benefits, which include mental health and substance use treatment.¹

The specific coverage details vary based on your plan, so you’ll want to verify your insurance before enrolling in a treatment program. You can call the number on the back of your insurance card or reach out to American Addiction Centers (AAC) any time, day or night. An admission navigator is available to review your insurance and answer your questions.

How to Find BCBS Of Oklahoma-covered Inpatient Drug Treatment Centers in OK?

How do you know which addiction treatment programs are covered by BCBS of Oklahoma and which are not? You will need to get the specifics included in your insurance plan as well as the information on the provider network.

You can get this information by calling the Blue Cross Blue Shield of Oklahoma phone number on the back of your card or by contacting AAC by phone at , online chat, or by filling out the form below (scroll to the bottom of the page).

Our admissions navigators can verify your insurance while they chat with you, answer your questions, and explain your treatment options.

AAC operates several high-quality treatment centers throughout the country. One of them is Greenhouse Treatment Center near Dallas, Texas, not far from Oklahoma. Greenhouse provides individualized treatment plans to address your specific needs.

What is BCBS Of Oklahoma?

Many people think Blue Cross Blue Shield is a single company, but it’s a cooperative effort between 34 individually-operated insurance companies.² Together, these companies cover around one-third of Americans in all 50 states, Washington D.C., and Puerto Rico.²

Blue Cross Blue Shield of Oklahoma is a statewide insurer that is owned by its customers, and the company focuses on helping its more than 800,000 members access affordable, high-quality care.³

Through BCBS Oklahoma, members can access a variety of plans, including individual and family plans, Medicare Advantage, and employer-provided plans.³

How Much Does BCBS Of Oklahoma Cover for Addiction Treatment?

Each person who struggles with substance use needs an individualized treatment plan. Your doctor, mental healthcare provider, or addiction care specialist administers a thorough assessment to learn about your substance use history and your overall mental and physical health. The answers you provide will help them create a treatment plan that meets your needs.

While everyone’s treatment varies, some of the most common programs include:^4,5

• Inpatient rehab. During inpatient treatment, you learn new habits that will help you with long-term recovery. Therapists help you identify the root issue of your substance use and develop a customized treatment plan that addresses your unique needs. Treatment includes counseling, educational programs, and medication management (if required).
• Outpatient rehab. During outpatient treatment, you attend scheduled sessions that focus on substance use education, relapse prevention, and stress management. This type of care can be a great starting point for treatment or a step-down program after inpatient treatment. You’ll live at home or in a sober living environment, allowing you to continue to fulfill responsibilities at work, school, or home.
• Intensive outpatient programs (IOPs). Intensive outpatient treatment, or IOP, is a program that is more focused on normal outpatient care. You attend treatment several hours a week to build the skills you need to live free of substance use.
• Partial hospitalization programs (PHPs). A partial hospitalization program provides intensive, high-level care without having to live at the facility. PHPs offer individual and group therapy, where you learn new ways to deal with stress without turning to substance use.

No matter what types of treatment are part of your personalized plan, what’s most important is that you complete the process in its entirety. It’s tempting to leave when you start to feel better, but by continuing to practice the skills you learn, you give yourself the best chance of sustained recovery.

Does Blue Cross Blue Shield of Oklahoma Provide Coverage for Mental Health Facilities?

Mental health problems are more common than many people believe, so if you have mental health concerns, you’re not alone. In fact, 50% of those who struggle with substance use also have a mental health diagnosis, which is known as a co-occurring condition.⁶ If you have both mental health and substance use disorders, it’s essential to get integrated treatment, which involves treating the disorders simultaneously. Research shows that integrated treatment is far more effective than addressing the disorders separately.⁷

Is there Blue Cross Blue Shield of Oklahoma mental health coverage that can help you pay for mental health treatment? Yes there is—the ACA includes both mental health treatment and substance use in the list of 10 essential health benefits.¹ Blue Cross Blue Shield of Oklahoma coverage varies depending on your plan, so be sure you verify your insurance before you enroll in a treatment program. You can call the insurance company or reach out to AAC anytime, 24/7.

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

How long is treatment? There’s not a single answer because treatment looks different for everyone. Research shows that most people need at least 90 days to make a significant change in their substance use habits, including quitting.⁸ That’s why many programs are at least three months long. However, your individual treatment process might be shorter or longer, and it may include multiple levels of care.

What’s important is that you fully complete every part of your treatment plan. It’s only by practicing your new habits and taking advantage of all the resources available to you that you give yourself the best chance of long-term recovery. If you’re concerned about the limits or requirements set by your insurance plan, you can review the details of your Oklahoma drug rehab coverage before you enter treatment. You can call the insurance company or contact AAC.

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

Reviewing your options might reveal that your Oklahoma drug rehabilitation coverage through BCBS only covers part of the cost of treatment, and you’re responsible for the rest. Or, you might find that a particular center you’re interested in isn’t a BCBS of Oklahoma treatment center and you have to pay the full cost of treatment yourself.

Fortunately, there are a variety of ways to pay for substance use treatment, and your insurance plan is only part of the solution. You might be able to set up a payment plan for your portion of the cost, or find a treatment program that offers scholarships. Many people also take out a loan or borrow money from family and friends.

Don’t use uncertainty about money as a reason not to get treatment. There is never a perfect time to go to rehab, and substance use has long-term health and legal consequences. Get the care you need before it’s too late.

What’s the Difference Between BCBS Of Oklahoma In-Network vs. Out-of-Network Inpatient Drug Rehab Centers?

As you look at different treatment centers, you’ll see that some are listed as “in-network” with your Blue Cross Blue Shield of Oklahoma substance use treatment coverage, while others are “out-of-network.” What does that mean?

Each insurance plan has a group of doctors and facilities (including rehab centers) that agree to treat plan members for a lower cost. This group is known as the plan’s network, and you can save money on your care if you use these providers.⁹

On the other hand, many insurance plans offer little or no coverage for out-of-network providers, which means you will have to pay the full cost yourself.⁹

To maximize your insurance coverage and keep your personal costs lower, try to find a substance use treatment center that’s part of the BCBS of Oklahoma rehab center network. If you can’t, don’t panic—there are multiple ways to pay for treatment, as was previously mentioned.

Rehabs That Take Blue Cross Blue Shield of Oklahoma 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: AdCare provides innovative, quality, and cost-efficient addiction treatment in Rhode Island. Its integrated system of care offers an inpatient treatment center in North Kingstown and an outpatient treatment center in Warwick. AdCare’s continuum of care includes detox services, residential treatment, co-occurring disorder treatment, intensive outpatient services, and inpatient services.
• Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as a full continuum of care, including detox services, residential treatment, co-occurring disorder treatment, and intensive outpatient services.
• Greenhouse Treatment Center: Greenhouse offers individualized treatment plans and many levels of care, including detox services, residential treatment, co-occurring disorder treatment—all in a luxurious setting with high-end amenities in the Grand Prairie, Texas. The outpatient treatment center in Arlington, provides intensive outpatient services and partial hospitalization services.
• 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, and co-occurring disorder treatment.
• Oxford Treatment Center: Oxford offers evidence-based therapies and an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, and co-occurring disorder treatment at the treatment center in Etta, Mississippi. In nearby Oxford, at the outpatient treatment center, intensive outpatient and partial hospitalization programs are offered. There will soon be another outpatient facility opening in Southaven, which will provide services to the Memphis metropolitan area.
• River Oaks Treatment Center: Located in Riverview, Florida, River Oaks provides top-level care for addiction and mental health disorders. River Oaks provides a complete personalized continuum of care, which includes detox, residential treatment, co-occurring disorder treatment, intensive outpatient services, and a partial hospitalization program.
• Recovery First Treatment Center: The South Florida treatment facility offers multiple levels of substance use treatment, including medical detoxification, inpatient/residential care, day treatment (also called partial hospitalization), intensive outpatient care, and aftercare planning.

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.