FEP BCBS Rehab Coverage
Making the decision to enter rehab for drug or alcohol addiction is a life-changing experience. However, for many, certain roadblocks make it more difficult to seek help for these problems. The cost of rehab is a major deterrent for many individuals who are looking to recover from substance abuse. Inpatient and outpatient rehab is often expensive, and other financial factors make it difficult for many people to afford it.
The good news is that for those who are covered under a Federal Employee Program Blue policy, or FEP, the cost of a quality recovery program is much more affordable.
More About FEP BCBS
Insurance & Rehab Coverage
As one of the largest providers with dozens of policies across the country, Blue Cross Blue Sheild offers drug or alcohol rehab coverage. The Federal Employee Program (FEP) covers inpatient treatment, including detox and group and private outpatient therapy. With these policies, members are responsible for the copay and must also go through a pre-certification process. FEP members are also able to recover at their own pace with flexible plans and coverage to meet specific needs.
Verifying FEP BCBS Rehab
The History of FEP BCBS
The Federal Employee Program has been a part of the Federal Employees Health Benefits Program (FEHBP) since 1960. Also known as the Blue Cross Blue Shield Service Benefit Plan, this policy covers about 5.3 million federal employees, their families, and retirees. With headquarters in Chicago, Illinois, FEP works with the U.S. Office of Personnel Management to determine the best benefits and premiums for members covered by the Federal Employee Program. For more information on your coverage and plans, call 877-284-0353 today.
The Benefits of FEP BCBS Insurance
What is Detox?
Detox is the process of ridding the body of its physical dependence on substances such as drugs or alcohol. Most insurance covers the detox phase of rehab since it’s often considered the most important step. Depending on the drug of choice or how often it’s used, detox can last anywhere from a few days to a few weeks. Highly addictive drugs such as heroin may also require a medically assisted detox.
As the body becomes less dependent on substances, withdrawal symptoms can occur. Common withdrawal symptoms are anxiety, depression, nausea, paranoia, fever, shakes, and more. Detoxing with the help of a licensed professional is always preferred since it can help with withdrawal symptoms and ensure the safety of the individual.
What are the Differences Between Inpatient and Outpatient Treatment?
Choosing a treatment plan that works best for you is vital to ensuring the success of the treatment. Under FEP BCBS’s plan, both inpatient and outpatient services are covered. There are a few differences between the two treatments. They include:
- Typically lasts between 30-90 days, depending on how long is required for detox.
- The client must live at the facility for the duration of treatment, requiring time off work or school.
- Expenses such as housing and food are covered within the cost of the program.
- Often considered more intense, since there are daily therapy session and multiple group sessions per week.
- Clients receive round-the-clock care from medical professionals.
- The length of treatment is dependent on the client’s needs.
- Clients are not required to live on site, but can stay at home and continue working or going to school.
- Therapy sessions are less frequent.
- Clients are held accountable for their actions and must be able to self-regulate their exposure to substances.
FEP BCBS rehab coverage offers benefits for both inpatient and outpatient rehab services; although the coverage may differ depending on the specific plan, a client is enrolled in. The best way to determine coverage and any out-of-pocket expense is by contacting the insurance company and identifying the specific benefits and restrictions of the plan.
Get the Help you Need
Without Worrying about Finances
Addiction and Mental Health Treatment is about getting better and moving on to a happy, sober life. Worrying about paying the full amount of treatment while in recovery is detrimental to the success of the program. Take advantage of the benefits and advantages of having a portion of rehab coverage paid for by your FEP BCBS benefit plan.
If you or a loved one is suffering from addiction to drugs or alcohol, rehab may be the answer. Call Beachway today to speak with an expert and find out what your insurance plan will cover.