Blue Cross Blue Shield PPO Insurance for Inpatient Rehab
Blue Cross Blue Shield PPO insurance can help someone in need cover the cost of drug or alcohol rehab.
This page will discuss using BCBS (Florida Blue) insurance to pay for inpatient addiction treatment.
The Benefits of Inpatient Drug Rehab
Inpatient rehab requires patients to live at the facility while they receive treatment. Some may start with medical detox, and all will attend counseling sessions and classes, receiving behavioral therapy designed to produce crucial lifestyle changes.
Most insurance plans will cover addiction treatment. However, the extent of this coverage varies between plans. When considering an inpatient facility, treatment centers that are within the patient’s insurance network are generally the most cost-effective.
Diversity in Blue Cross Blue Shield Insurance
To learn more about your potential coverage, you’ll need to understand the specifics of your Blue Cross / Blue Shield carrier. 39 different companies operate under the brand name. These companies provide insurance to a wide variety of people, and they are all subject to the restrictions and regulations of their specific home states. Patients who are insured through their employers will also tend to have different options from those who contract individually.
Blue Cross Blue Shield operates in Florida under the moniker Florida Blue. Florida Blue is accepted at Recovery First and many other facilities managed by American Addiction Centers (AAC).
The Advantages of PPO Insurance
If you already have Preferred Provider Insurance, then you may be able to choose from a wide variety of rehab clinics and addiction specialists. PPO contracts are among the most expensive, but they offer the largest provider networks and are the most flexible when it comes to getting out-of-network care. Even if there aren’t any reputable clinics within your preferred network, you may still be able to get up to seventy percent of the costs covered.
Overall, Blue Cross / Blue Shield PPO insurance for rehab can be a lifesaver for people who need inpatient care. More restrictive plans – especially those purchased by employers – are known to cover only a few days of in-house treatment. Living at rehab clinics is expensive, and avoiding out-of-pocket costs is the only way for some patients to afford it.
Questions to Ask Your Agent
Coverage for rehab varies between different companies and locales, but even BCBS PPO customers in the same state can have completely different contracts. Here are a few specific questions you’ll want to ask your insurance agent:
- What rehab clinics operate within your network?
- Do you qualify for coverage for detox, outpatient treatment, inpatient care, or a combination of the three?
- Will you have to pay upfront and seek reimbursement – or will your provider cover the costs from the outset of your treatment program?
- If you get insurance for rehab, what will your deductible be?
- Can you get coverage for co-occurring disorders and the ongoing physical repercussions of drug use?
- Does your state mandate that your PPO provide a certain amount of out-of-network coverage?
Verify Your Benefits Today
Call to speak to an admissions navigator who can help you verify insurance coverage for addiction treatment and learn more about payment options and what to expect in rehab. You can also verify your insurance using the confidential online tool below.
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