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

If you struggle with substance use and are trying to break free, you know that getting treatment is essential. However, how do you pay for it? If you have Premera insurance, you can use your insurance coverage to pay for some or all of the cost of treatment. The Affordable Care Act (ACA) requires all long-term health plans to cover at least some of the cost of 10 essential health benefits, which include substance use and mental health treatment.¹

Every Premera BCBS plan is different, so it’s important to understand the details of your coverage before committing to a treatment program. You can find out more by calling the phone number on the back of your insurance card or by contacting American Addiction Centers (AAC) online or by phone. Our admissions navigators can review your coverage and answer questions you have about rehab.

This guide will help you understand how to use your Premera BCBS drug rehab coverage to get the care you need. It’s time for freedom.

What Is Premera BCBS?

Premera is one of the many Blue Cross Blue Shield companies that make up the BCBS insurance network.^{2, first paragraph} There are 34 independent and locally-operated BCBS companies that together provide coverage for millions of Americans in all 50 states, D.C., and Puerto Rico, as well as overseas.^{2, first paragraph}

Premera BCBS is the largest health plan in the Pacific Northwest and includes everything from Premera Blue Cross California to Premera BCBS of Alaska.^{3, we care about your healthcare} Premera plans cover more than 2.6 million members with comprehensive, tailored services.^{3, we care about your healthcare}

The headquarters of Premera BCBS is in Mountlake Terrace, WA, and the company has over 3,250 employees serving their members.^{3, fourth paragraph}

How Much Drug Treatment Does Premera BCBS Cover?

No single approach to substance use treatment works for everyone, so your insurance plan will focus on covering the evidence-based treatment plan created by your doctor. Work closely with your doctor and tell them honestly about your substance use habits so you can get the care you need.

While your specific plan will be personalized for you, common treatment options include:^{4, 5}

• Inpatient rehab. Inpatient care allows you to live at the treatment center full-time and receive around-the-clock care. This type of care can help you leave your usual environment and start fresh. During inpatient treatment, residents are able to develop new habits to live free from substance use and completely focus on getting well without the distractions of everyday life.
• Outpatient rehab. Outpatient treatment is a way to get the help you need while still being able to attend work or school. Outpatient sessions focus on drug abuse education, individual and group counseling, and teaching participants how to face challenges without substance use. This type of treatment can be helpful for those just starting out in their recovery journey or for those who have completed an inpatient program.
• Intensive outpatient programs (IOP). During an IOP, you attend therapy several hours per week, but not full-time. Treatment includes counseling, educational programs, and medication management if required. IOP programs might run three to five days per week. The care is more focused than normal outpatient care and helps you build skills to live life without substance use.
• Partial hospitalization programs (PHP). Partial hospitalization programs, or PHPs, provide a high level of care to those who need it while still allowing them to go home at night. People attend the recovery center full-time and the level of care is similar to that of inpatient/residential programs. PHPs offer one-on-one therapy, group therapy, family meetings, medical services, and treatment of co-occurring mental health disorders.

No matter what treatment plan your doctor creates for you, what’s most important is that you finish it completely. It’s common to want to stop treatment when you start to feel better, but only by practicing your habits regularly in a safe environment can you give yourself the best chance of long-term recovery.

Does Premera BCBS Insurance Cover Mental Health Care Treatment Facilities?

If you struggle with your mental health, you might feel isolated and ashamed. However, it’s common to have mental health concerns along with substance use, and it’s known as a co-occurring condition. As many as 50% of those with substance use issues also have a mental health diagnosis.⁶

Common mental health issues include ADHD, PTSD, anxiety, depression, bipolar disorder, and more.⁶  What’s most important is that you treat your mental health diagnosis and your substance use issue at the same time. Studies show that this kind of integrated treatment gives you a far better chance of long-term recovery.⁷

Will your Premera BCBS rehab coverage also help with your mental health treatment? It will, because mental health care is also one of the 10 essential health benefits required by the ACA.¹

Because each insurance plan is different, be sure to check Premera BCBS coverage before enrolling in a treatment program. You can contact the insurer directly, or you can reach out to AAC. Our admissions navigators can review your insurance in just a few minutes while we chat with you, as well as answer any questions you have about rehab. We’re available 24/7 online or by phone, so don’t hesitate to contact us.

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

How long is rehab? The answer to that question is different for every person, and your specific plan will depend on your medical needs and the process your doctor creates for your recovery. Research shows that most people need at least 90 days to make a significant change or stop using substances, so many programs are at least 3 months long.⁸

Yours, however, could be longer. It’s important to complete the entire rehab process so you can create the life of freedom you deserve. You can find out if there are specific limits or requirements for your insurance plan by calling the insurance company or connecting with AAC online or by phone anytime, 24/7.

What if my Premera BCBS policy does not cover an inpatient drug rehab program?

As you review your treatment options, you might find that your Premera BCBS addiction treatment coverage only covers part of the cost of rehab, and you have to pay the rest yourself.

Or you might be excited about a specific treatment program, but because it’s not on the list of Premera Blue Cross Blue Shield providers, you have to pay the full cost yourself.

Don’t let these concerns keep you from getting the care you need. There are a variety of options when it comes to paying for rehab, and your insurance is only part of the answer. For example, you might be able to set up a payment plan for your portion of the costs. Or the treatment center might have scholarships available.

There are financing options as well, and you might be able to get a loan or borrow money from family and friends for your treatment. The one thing that’s certain is that once you’re free from substance use, you’ll be healthier and better able to manage your financial obligations.

It’s important not to delay your treatment due to finances. Substance use has serious long-term health and legal consequences, and you want to break free before it’s too late. You deserve a life of freedom, and getting treatment is the first step toward that goal.

Premera BCBS In Network vs. Out of Network Inpatient Drug Rehab Centers

As you look at different treatment centers, you’ll notice that some are “in-network” and others are “out-of-network” with your Premera BCBS drug rehabilitation coverage. What does that mean for you? Every insurance company has a group of doctors and facilities that agree to treat plan members for a lower cost.^9, That group is known as the insurance plan’s provider network.⁹

When you choose a treatment center that’s listed as one of the Premera BCBS rehabilitation centers, you can save money on your treatment and pay less out-of-pocket.⁹

However, many plans offer no coverage for treatment outside the network, which means you’ll have to pay the full cost of out-of-network rehabs yourself.⁹ In order to keep your costs low, it’s important to find Premera providers if possible. There are a variety of high-quality rehabs that can help you get the care you need and accept Premera insurance coverage.

If the treatment program you’re interested in isn’t part of the Premera network, you may have to pay the full cost yourself. Don’t panic, though — as we mentioned earlier, there are many options when it comes to paying for rehab. What’s important is getting the care you need to break free from substance use.

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 Riverview, Florida, just outside of Tampa, 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, which is a distinction given to centers and providers recognized for their expertise in high-quality care for addiction treatment and recovery.

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 find Premera BCBS covered Inpatient drug treatment centers?

Breaking free of substance use can help you lead a happier, healthier life where you have the ability to chase your dreams. You deserve that, and the right treatment can help you get there.

To find treatment programs that are covered by your Premera BCBS coverage, simply call the phone number on the back of your insurance card or contact AAC anytime, 24/7. You can reach us by phone, through chat, or by filling out the form below.

You deserve a life without substance use holding you back. Contact us to take the first step into freedom today.