Does BCBS Of Rhode Island Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

If you or someone you love is struggling with alcohol or drug addiction, you are not alone. The addiction public health crisis continues to grow each year, with an estimated 700,000 drug overdose deaths since 2000.¹ In Rhode Island, cases of overdose deaths are on the rise again after many years of decline. Today, every town in Rhode Island has experienced a drug overdose.²

Deciding to seek help for addiction is the first step to getting better. The financial aspect of getting treatment can be concerning for many, but there are options for assistance even if you don’t have insurance. Grants, scholarships, and other financial assistance are available for rehabs in Rhode Island, with some serving special populations like veterans, mothers, and people with low or no income.

If you’re a Blue Cross Blue Shield of Rhode Island member, some or all of the costs for your chosen treatment program will likely be covered. This depends on your specific plan as well as the treatment program you choose.

For more information on your specific plan, call the number on the back of your insurance card or contact the rehab you’re interested in directly. If you have a specific rehab in mind, reach out and have them check your coverage with the information you provide. You can also verify your insurance by contacting American Addiction Centers (AAC) online, by phone, or by filling out our SSVOB form.

How to Find BCBS Of Rhode Island Covered Inpatient Drug Treatment Centers in RI

AAC can assist you with verifying your insurance coverage. If you want to learn more about your particular plan, you can call our helpline and speak directly with a representative who will check your benefits while you’re on the phone.

With BCBS of RI, financing addiction treatment doesn’t have to be a burden. Dozens of people go into rehab yearly, financed through Blue Cross Blue Shield of Rhode Island. If you’re ready to start your journey to getting better, don’t hesitate to reach out and learn more about what treatment options your insurance plan covers.

What Is BCBS of Rhode Island?

Blue Cross Blue Shield of Rhode Island has been providing high-quality, affordable healthcare assistance to the people of Rhode Island for over 80 years. Now a member of the 35 independently run Blue Cross Blue Shield companies across the nation, BCBS of RI started in the late 1930s as the Hospital Service Corporation of Rhode Island. By 1945, they accounted for hospital coverage for more than half of the Rhode Island population.³

The Rhode Island Medical Society Physicians Service was established in 1949 and began offering voluntary medical coverage to Rhode Islanders. The Hospital Service Corporation of Rhode Island and the Rhode Island Medical Society Physicians Service eventually joined together to create what is now known as Blue Cross Blue Shield of Rhode Island.³

They have established many initiatives to improve the quality of life for Rhode Islanders, such as the BlueAngel Community Health Grants and the BlueAngel Community Outreach Program. Today, BCBS of RI continues to respond to the needs of the community while offering top-tier, cost-effective health insurance. This includes providing access to inpatient and outpatient rehab facilities. Currently, there are over 200 in-network substance abuse providers for BCBS of RI.⁴

How Much Does BCBS Of Rhode Island Cover (Addiction Treatment)?

There are many options for addiction treatment that are most appropriate for a complete, long-term recovery. Each will fit a person’s unique needs differently, and some will work better than others, depending on the person. Based on the provider you choose and your specific BCBS of RI insurance plan, some, if not all, of the cost of treatment will be covered. Types of treatment that may be covered under your Blue Cross Blue Shield of Rhode Island plan include:⁵

• Inpatient and residential rehab programs: If you’re looking for a safe, supportive space to live while receiving the treatment you need, inpatient programs are a great choice. Inpatient programs allow you to focus completely on your recovery and take a break from tending to stressful daily obligations. Most programs last from 30 to 90 days, but there are options for longer programs lasting anywhere from 6 months up to a year. At inpatient programs, you learn how to properly handle triggers and cope with stressful situations, promoting long-term recovery.
• Outpatient rehab and therapy: Outpatient programs allow you to stay at home and tend to your commitments like family or work while seeking treatment. They’re an excellent option for support and include peer support groups, therapy in individual and group settings, and counseling focused on preventing relapse through building coping skills. Many start with this option for treatment before deciding to attend an inpatient rehab.
• Intensive outpatient programs (IOP): Similar to outpatient programs, IOPs give you the opportunity to take care of your responsibilities at home while in treatment. IOPs are a more rigid outpatient program, requiring you to attend a certain amount of times per week.
• Partial hospitalization programs (PHP): PHPs or day treatment programs are similar to inpatient programs but allow you to remain living at home while in treatment. You’re required to attend about 6 hours a day for at least 5 to 7 days a week.

Does Blue Cross Blue Shield of Rhode Island provide coverage for mental health facilities?

If you’re struggling with a mental health condition along with substance use disorder, seeking treatment in a mental health facility is the best way to treat your co-occurring disorder. Under the Affordable Care Act (ACA), insurance providers must offer mental health care and treatment coverage.⁶ This means Blue Cross Blue Shield of Rhode Island will always provide at least some coverage for treatment in mental health facilities.

Dual diagnosis or co-occurring disorders are very common. Of the 21 million people struggling with addiction, just about half of them also suffer from a mental health illness.⁷

Common mental health illnesses that coincide with substance use disorder include anxiety, depression, attention deficit hyperactivity disorder (ADHD), post-traumatic stress disorder (PTSD), and bipolar disorder. It’s hard to decipher if 1 illness causes the other. Some people become addicted to substances by trying to relieve the symptoms of their mental illness through self-medication. Others develop a mental health illness after prolonged drug use.⁷

No matter what triggers the onset of a co-occurring disorder, mental health professionals agree that they should be treated in tandem. Taking a holistic approach to treatment ensures that both illnesses are addressed correctly and heightens your likelihood of complete recovery, reducing your chances of relapse.⁸  Both co-occurring disorder treatments and stand-alone heroin rehab fall under the ACA, so you won’t have to worry about financing treatment alone.

How Long Does BCBS Of Rhode Island Insurance Cover Alcohol and Drug Rehab programs?

Undergoing medical detox and attending rehab are only the beginning steps to your long-term recovery. Everyone’s needs are unique, but mental health professionals agree that longer treatment times are generally considered the most effective. After the first stages of recovery, it’s recommended to remain in long-term addiction aftercare treatment.⁸ Many decide to continue aftercare for several years or even a lifetime.

With all the different tiers of coverage and policies offered, you may wonder how much time in treatment your BCBS of RI insurance plan will cover. The length of time covered by your insurance provider will depend on your specific insurance plan, the provider you choose, and whether or not they’re in your network.

If you want more information on what your plan covers, call the number on the back of your insurance card or reach out directly to the rehab center you’re interested in. AAC can also offer assistance with verifying your insurance.

What if my BCBS Of Rhode Island policy does not cover an inpatient drug rehab program?

The rehab you choose may not always be covered under your BCBS of RI policy. In these cases, there could be other options for financial assistance, like scholarships and grants, depending on the rehab center you choose. Many organizations and federal, state, and local governments offer financial assistance for rehab for specialized populations. Some options for financial assistance include:

• Government-funded programs: The Substance Abuse and Mental Health Services Administration (SAMHSA) provides grants to assist people struggling with substance use disorder. Anyone fighting addiction, especially high-risk and at-risk populations like IV drug users, mothers, and expecting mothers, can apply for assistance.⁹
• State-funded rehabs and local assistance: State and community organizations offer full or partial scholarships for addiction treatment covering all or some of the costs. Many offer financial assistance for medical detox and addiction treatment programs like inpatient and outpatient rehab.
• The Affordable Care Act (ACA): The ACA offers subsidies to cover different addiction treatment options for people with low or no income who are seeking treatment.⁶
• S. Department of Veterans Affairs (VA): Veterans suffering from substance use disorder can receive financial coverage for medical detox, counseling, other therapy options, and treatment for existing mental health illnesses like PTSD and depression from the VA.¹⁰
• Loans and financing: Financial aid is offered through banks and loans to assist you with financing your recovery journey.

Getting treatment as soon as possible is crucial, no matter what it takes. Rather than pushing it off for another day, discover more ways to finance your recovery.

BCBS Of Rhode Island In Network vs. Out of Network Inpatient Drug Rehab Centers

An important factor in whether or not you’re treatment will be covered under your Blue Cross Blue Shield of Rhode Island insurance plan is choosing a treatment provider in your network. Your provider network will include different healthcare providers and hospitals that are contracted with your insurance company to provide healthcare services.

Choosing an in-network provider for addiction treatment ensures that at least some of the cost of your treatment will be covered by your insurance. If you choose a provider that is out of your network, you’ll likely have to pay all costs out of pocket.

You can check whether a specific provider is in your network by calling the number on the back of your insurance card or reaching out directly to the rehab center that you’re interested in. AAC can also assist you with verifying your insurance. You can call our hotline and speak to a representative who can check your coverage right when you’re on the phone or chat with someone online to get more information about your specific insurance plan.

AAC provides access to top-notch addiction treatment facilities across the nation. Our rehab centers offer premier amenities and specialized treatment programs so you can customize your treatment plan to best fit your needs. AdCare Treatment Centers is one of our leading addiction treatment providers in the Northeast, with 2 inpatient facilities and 7 outpatient programs throughout Rhode Island and Massachusetts.

AdCare Treatment Centers offer high-quality addiction treatment in supportive and safe environments. The Rhode Island locations include an inpatient facility in North Kingstown and 3 outpatient programs in Warwick, Greenville, and South Kingstown.

AdCare Treatment Centers offer a range of treatment services, such as medical detox, telehealth addiction treatment, co-occurring disorder treatment, addiction-focused healthcare, and therapy. All treatments are evidence-based and focus on providing the most effective drug and alcohol addiction care.

If you’re ready to start your journey to getting better, contact AAC for more information on your Blue Cross Blue Shield of Rhode Island insurance plan. We’ll assist you in every way possible so you can find the best treatment and start living life again.

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.