Can Federal Blue Cross Blue Shield Insurance Cover Rehab?
Federal BCBS insurance may be able to cover all or at least a part of the cost of rehab for drug or alcohol addiction. Coverage depends on the details of your insurance plan as well as the level of care needed. Generally, Federal Blue Cross Blue shield may be able to partially cover inpatient or residential treatment, outpatient rehab, detoxification and medication-assisted treatment.
If you or a loved one is struggling with a substance use disorder (SUD), it is important to find out your level of rehab coverage with Federal BCBS. This can help you to determine the amount you will pay out of pocket.
What Substance Abuse Treatments Does Federal Blue Cross Blue Shield Cover?
Depending on your plan, the BCBS FEP plan may cover:2
- Inpatient Rehab – Patients will stay at the treatment facility 24/7 and receive highly structured care from addiction professionals. This type of treatment allows the patient to get some space from a potentially negative home environment so they can focus on their sobriety.
- Residential Treatment – Residential treatment provides 24-hour care but is less intensive than an inpatient rehab. Patients will still receive a high level of care and support in order to maintain recovery from a substance use disorder (SUD).
- Outpatient Rehab – Overnights stays are not required in an outpatient rehab and treatment can take place in various settings (rehab center, hospital, mental health clinic etc.). Bear in mind, the treatment intensity varies depending on the individual’s specific needs.
- Detoxification – A professional drug detox program uses medications and therapies to help manage the body’s response to quitting drugs or alcohol. The goal of detox is to ensure a patient is not physically harmed when going through the withdrawal process.
- Medication-Assisted Treatment (MAT) – MAT consists of a combined approach (medications and behavioral interventions) to treat substance use disorders (SUDs).
Does Federal Blue Cross Blue Shield Cover Mental Health & Co-Occurring Disorder Treatment?
Yes, Federal Blue Cross Blue Shield (FEP Blue Focus) typically covers mental health and co-occurring disorder treatment to varying degrees, depending on your specific plan.2 This includes:
- Mental Health Services: Therapy, counseling, psychiatric evaluations, and medication management for conditions like depression, anxiety, bipolar disorder, and more.
- Co-Occurring Disorder (Dual Diagnosis) Treatment: Integrated treatment for individuals who have both a mental health disorder and a substance use disorder. This often involves specialized programs that address both conditions simultaneously.
The extent of coverage can vary based on your specific FEP Blue Focus plan. Some plans may have limitations on the number of therapy sessions, specific types of treatment, or require pre-authorization for certain services.
It’s crucial to review your plan documents or contact your insurance provider to understand your specific coverage details, including any deductibles, copays, or out-of-pocket maximums.