Blue Cross Blue Shield Rehab Coverage

Determine whether Blue Cross Blue Shield rehab services are included in an insurance plan by contacting Beachway and speaking with one of their knowledgeable representatives. Patients should follow this guide to get answers to all their important questions.

Have Your BCBS Plan and ID Numbers Ready

Patients should have their insurance card handy so they can share the account number or member service number with the representative. This saves time and allows the Beachway team member to quickly verify the details of the policy.

Write Down the Name of the Representative You Are Speaking With

The information patients receive regarding insurance coverage and treatment options is crucial. It’s a good practice for all callers to write down the name of any representative they speak with, along with the date of the conversation, so they can reference it in the future.

Verify “Levels of Care”

Several different options are available when it comes to drug rehab, so it’s crucial for prospective patients to verify which ones are included in their insurance. Beachway offers:

• Medical detoxification
• Inpatient treatment
• Outpatient treatment
• Partial hospitalization
• Aftercare

Knowing the cost of the different levels of care, along with which ones a specific BCBS plan covers, is an essential step for patients and caregivers to create an individualized plan for recovery.

Confirm Your Policy’s Coverage

It’s helpful to ask what services are required as part of treatment and what services are optional. Patients can then find out the costs of any uncovered services they wish to receive. It’s important to ask about assessment and detoxification services, as these are sometimes considered separate from rehab treatment.

Ask for Details About the Deductible and Copays

Blue Cross Blue Shield drug rehab coverage typically includes most standard services, including therapy, amenities, and meals. However, patients may need to pay copays and out-of-pocket costs. The Beachway team can help patients identify uncovered or partially covered treatment services and estimate the uncovered costs to make it easier to identify the best course of action for each patient’s unique financial circumstances.

Confirm Out-of-Pocket Maximums

Every insurance plan has an out-of-pocket maximum. This is the total amount of money the plan holder is expected to pay before the insurance policy covers the rest. Out-of-pocket costs include copays, deductibles, coinsurance, premium costs, and uncovered services. After a patient pays 100% of the out-of-pocket maximum, the insurer covers all costs for the remainder of the year.

Patients should verify this maximum so they can plan ahead. It’s also a good idea to check the insurance plan’s beginning and end dates to determine when the plan is set to renew. Most, but not all, plans operate on a calendar year.

Ask What BCBS Needs from You

Beachway is happy to help prospective patients find out if their health insurance plan covers rehab services for substance abuse. It’s also possible to make the process easier by learning what criteria the insurance company requires to streamline the process, such as medical documents and treatment recommendations.

Following these steps makes it easy to verify if Blue Cross Blue Shield drug rehab coverage is part of an insurance plan. It’s also a great idea for patients to ask questions about the facility and treatment process to learn what to expect from their program.