The Blue Cross and Blue Shield Association is made up of 36 health insurance companies that provides health insurance to more than a hundred million individuals in the US. These insurers offer some form of insurance coverage in every US state, and also act as administrators of Medicare in a number of states. Moreover, the organization provides coverage for both state government and federal government employees.
Blue Cross Blue Shield’s individual and family plans have three or four categories. Depending on the state, the typical plans are bronze, silver, gold, and platinum. Bronze, of course, has the lowest monthly premium and is the recommended plan for individuals who rarely requires medical attention.
Blue Cross Blue Shield typically offer the following coverage rates:
- Covers about 60% of medical costs. Offers a low monthly payment and a high deductible.
- Covers about 70% of medical costs. Comes with a slightly higher monthly payment and lower deductibles.
- Covers about 80% of medical costs. Asks for a higher monthly payment and a low deductible.
- Covers about 90% of medical costs. Has the highest monthly payment and the lowest deductible.
Will my Blue Cross Blue Shield insurance cover my drug rehab?
Coverage differs depending on the state and the plan. This means that some plans may offer robust coverage, while others may require more out of pocket. To be certain, check with your provider directly. Get in touch with a representative and ask them to explain your benefits in detail.
How else can I check my insurance coverage?
You can check your coverage online by entering the three-letter prefix before the ID number on your membership card on Blue Cross Blue Shield Association’s website. You can also go directly to your provider’s website and enter your log-in details to check your coverage.
How can I use Blue Cross Blue Shield for rehab?
Blue Cross Blue Shield plans cover addiction treatment, but specifics vary depending on the individual’s policy. For instance, some plans cover detox treatments if necessary to the treatment, while other policies do not. Because of this fact, it is important to speak with Blue Cross Blue Shield to determine what treatments are covered to know beforehand how much you will pay out of pocket.
The type of treatment center you choose will also be dependent on your plan. HMO (Health Maintenance Organization) plans, for instance, cover treatments only at contracted facilities. PPO (Preferred Provider Organization) plans, on the other hand, offer a wider range of providers, including out-of-network providers, albeit at a higher rate.