Jointly, BlueCross BlueShield companies nationwide cover roughly 105 million people– that has to do with one in every three people. While much of its policies offer a range of benefits to cover dependency treatment, options and programs vary depending on the state you live in and your individual plan.
BlueCross BlueShield commonly covers some costs connected with:
- Outpatient treatment
- Residential treatment/detox
- Partial hospitalization
- Acute inpatient hospitalization
- BlueCross BlueShield Addiction Resources
With the growing number drug or alcoholism throughout the country, BlueCross BlueShield has actually increased its resources in identifying and finding help for substance abuse problems. Most just recently, the business has pushed out a prescription pain medication security program to assist decrease the risk of drug dependencies– particularly for painkillers such as Vicodin and Percocet.
BlueCross BlueShield Policy Protection for Substance Abuse
BlueCross BlueShield provides various strategies, depending on your state. The most common strategies consist of bronze, silver, gold and platinum. The lowest plan– bronze– usually has the most affordable monthly costs but the greatest deductibles. Whereas platinum, the highest level strategies, includes higher regular monthly costs with more comprehensive protection and lower deductibles.
The business also offers a Federal Employee Program which includes 2 strategies: a standard option and a standard alternative. Although the Standard Choice needs members to utilize preferred suppliers, the Requirement Alternative enables insurance policy holders to choose in between favored and Non-PPO suppliers. Nevertheless, a person may be accountable for the difference in between the strategy allowance and the billed amount if they pick not to utilize a preferred company.
Do Treatment Centers Need to be In-Network?
Another aspect of insurance plan is whether you have an HMO (Health Maintenance Company) strategy or a PPO (Preferred Supplier Company) plan. With an HMO, you will just be covered at HMO-contracted centers. However, with a PPO, you have more choices in regards to the number of providers you have access to. With this kind of plan, you can also check out a center out-of-network, but your expenditures will be greater. Speak with your insurance coverage service provider about specific information in regards to your plan’s protection.