Addiction Treatment in FL Covered by Blue Cross Blue Shield Health Insurance

Florida Blue (Blue Cross Blue Shield of Florida) is the leading health insurance provider in Florida, serving more than 5 million members throughout the state.1 The company is driven by its mission of “helping people and communities achieve better health.”1 As an independent licensee of the Blue Cross Blue Shield Association, Florida Blue has been serving members for over 75 years.1

If you have Florida Blue insurance and need substance use disorder treatment, there are plenty of high-quality rehab centers in Florida that will accept your insurance plan.

Does Blue Cross Blue Shield Health Insurance Cover Substance Abuse Treatment?

Yes, Florida Blue insurance plans provide coverage for addiction treatment, including detox, inpatient rehab, outpatientNurse discussing insurance with patient care, and more.2

Federal mandates like the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA) guarantee that most insurance plans in Florida and throughout the United States cover addiction treatment services to some degree.3,4 Additionally, these plans must provide equal benefits for mental health and substance abuse treatments as they provide coverage for medical and surgical care.4

To help members access quality behavioral healthcare (including addiction treatment), Florida Blue has partnered with New Directions—a network of behavioral healthcare providers that helps members access covered services.5

New Directions Behavioral Health Services and Addiction Treatment

New Directions is committed to innovation and delivering an integrated approach to whole-person care and prioritizes helping members access comprehensive behavioral health services. New Directions has been serving members for over 25 years and currently serves over 15 million individuals throughout the United States.5

What Types of Drug & Alcohol Rehab Are Covered by BCBS Health Insurance?

Drug and alcohol addiction treatment programs in Florida vary, and the kind of treatment you access depends on your individual needs. For example, a person with serious co-occurring mental health disorders may require intensive inpatient care.6 Others may fare well in an outpatient treatment environment.

Your Florida Blue plan may provide coverage for many different types of addiction treatment, including:2

Your Florida Blue plan will provide at least partial coverage for addiction treatment at an in-network facility. The exact amount of coverage for treatment varies depending on the specific insurance plan you have. You will likely be responsible for certain out-of-pocket expenses, such as a deductible and copays.

How Do I Use BCBS Health Insurance to Pay for Addiction Rehab?

In order to ensure your addiction treatment is covered by insurance, it is important to find a treatment center that is in-network with Florida Blue. These facilities work directly with your insurer to help keep your out-of-pocket expenses lower.7

Using your Florida Blue plan for rehab coverage at Recovery First is easy. Call us at to speak with one of our admissions navigators, who will verify your insurance for you while you’re on the phone.

You can also fill out and submit our confidential . All you’ll need to provide is your email address and your insurance details (including insurance carrier and policy number). We’ll email you with coverage details within minutes.

Call the phone number on your insurance card to speak with a BCBS representative or search the provider directory to find more addiction treatment facilities in Florida.

What if my BCBS Insurance Plan Only Covers Part of my Addiction Treatment?

Though Florida Blue will cover at least some of the costs of addiction treatment, you may have some out-of-pocket expenses (for example, you may be responsible for paying the co-insurance or covering costs until you meet your deductible). While this can be expensive, it’s important to note that failing to get treatment for addiction is often much more costly in the long run.8

Fortunately, there are ways to help you cover the cost of rehab, including:

  • Payment plans offered by the rehab facility.
  • Scholarship programs through the rehab facility and/or state governments.
  • Credit cards and personal loans.

If you’ve lost control of your drinking or drug use, it’s not too late to get help. Please reach out to an admissions navigator at and start addiction treatment as soon as possible.