Over 3.4 million Ohio residents use Blue Cross Blue Shield as their primary health insurance carrier. Fortunately, if you live in Ohio and are struggling with substance abuse, you can often get coverage for drug and alcohol rehab through your Blue Cross Blue Shield insurance. In fact, BCBS partners with dozens of quality rehab providers throughout the state — including Prosperity Haven — to ensure that you can access the recovery care you need.

In the sections below, we will examine the kind of drug and alcohol rehab available to Ohio residents with a private (non-Medicare) Blue Cross Blue Shield health insurance plan.

How Blue Cross Blue Shield Treats Addiction

Blue Cross Blue Shield is among the best insurance carriers in the nation when it comes to addiction treatment support. Generally speaking, private health insurance plans through BCBS recognize drug or alcohol rehab as a medically-necessary expense, as long as you have been diagnosed by your doctor with a substance use disorder or a doctor determines that rehab is the best option for you.

While you will still have to pay your insurance premium and any related deductibles, BCBS can be a great way to reduce the cost of drug or alcohol rehab. Additionally, Blue Cross Blue Shield is actively working to improve access to care and adapt its coverage options to combat the ongoing opioid epidemic.

Does Blue Cross Blue Shield Cover Rehab in Ohio?

Yes, Blue Cross Blue Shield does cover rehab in Ohio. However, the degree of coverage will vary based on your diagnosis, the recommendations of your doctor, as well as the type of plan you’re enrolled in. For example, BCBS typically covers residential inpatient care, but certain types of outpatient care may or may not be covered. And if you need dual diagnosis care, you’ll want to make sure that you pick a facility that is covered by your insurance and can provide this kind of service.

Additionally, you’ll need to consider how much you have to pay out of pocket, which can vary widely based on the type of plan you have. With BCBS, the plans with the highest monthly premiums often pay the most toward your rehab costs (as long as the facility is in your network). But even after you’ve paid your monthly premium, met your annual deductible, and paid any applicable copays, you will still have to pay a percentage of the cost of treatment.

As previously mentioned, your out-of-pocket costs will vary substantially based on the type of BCBS plan you have, as well as the clinic you choose. The best way to find out how much BCBS will pay toward your alcohol or drug rehab treatment is to contact a provider like Prosperity Haven, provide your insurance information, and see just how far your benefits will go.

It’s also important to remember that Medicare Advantage or Medicaid plans provided through BCBS (known as Anthem) will not cover care at private rehabilitation clinics. So, it’s best to contact your insurance carrier before committing to a rehab provider. And, when calculating the costs of rehab in Ohio, you’ll need to consider what kind of facility is best for you and which facilities your private insurance actually covers.

Does My Health Insurance Only Cover Certain Rehab Facilities?

Since most Blue Cross Blue Shield plans are HMOs or PPOs, you will have probably a network of healthcare providers with which you can get coverage. If you have an HMO plan, you are restricted to a network of doctors and clinics and have little to no coverage outside of this network. Alternatively, if you have a PPO plan, you still have a network, but you can get expanded coverage for out-of-network care, even if it will cost more than in-network care.

While this may seem rather limiting, Blue Cross Blue Shield partners with dozens of private rehab clinics throughout the state to make sure that its members in Ohio can have reasonable access to addiction treatment. BCBS can cover rehab stays of varying lengths (typically between 30 and 90 days) at most eligible facilities within its pre-approved network.

Prosperity Haven – Quality Substance Abuse Treatment in Ohio

Are you a Blue Cross Blue Shield member looking for quality addiction treatment in Ohio? Do you want to make sure that you’re getting the best possible care that is also covered by your insurance? If so, Prosperity Haven is the answer. We offer inpatient rehab in a safe, comfortable facility, with trained professionals to help you detox, recover, and even address co-occurring disorders. Plus, we partner with BCBS to help ensure that as many Ohio residents as possible can get their rehab covered by a private, Blue Cross Blue Shield insurance plan.

Don’t let addiction run your life any longer. Reach out to Prosperity Haven today to learn more.