Blue Cross Blue Shield Insurance Coverage

Deciding to seek rehabilitation treatment for drug or alcohol addiction can be a step in the right direction, but you may have some concerns about treatment. Paying for treatment, rehab, and navigating rehab insurance coverage levels can be confusing. However, the majority of insurance plans do offer some addiction treatment coverage for substance abuse.

If you live in and receive treatment in New Jersey, you can count on BCBS Insurance Coverage New Jersey for alcohol and drug rehabilitation. Blue Cross Blue Shield is a group of companies that provides health insurance coverage throughout the United States of America to over 100 million people. Depending on your insurance plan, with Blue Shield insurance for rehab, you will have your treatment fully or partially covered. This will also depend on whether you are using the services of an in-network or out-of-network facility.

We Level Up Lawrenceville NJ is an in-network provider, and, as such, it´s one of the drug rehabs that take Blue Cross Blue Shield. This, in addition to the affordable prices of our services, makes our rehab treatments accessible to many. Keep reading to learn about what you can expect at We Level Up Lawrenceville NJ as a Blue Shield insurance provider for rehab holders.

Blue Cross Blue Shield Rehab Coverage Overview

Blue Cross started in 1929 as a plan to make healthcare affordable for Baylor University hospital patients. Blue Shield had a similar start, offering health services to workers in exchange for a monthly payment. These two plans spread rapidly and merged in the 1940s. Today, Blue Cross Blue Shield (BCBS) health plans provide coverage to one-third of Americans. Blue Cross Blue Shield rehabilitation coverage is global coverage available in all 50 states and is widely accepted nationwide.

The Blue Cross Blue Shield network is extremely wide, covering more than 9 out of every 10 doctors and hospitals in the country. In addition, millions of federal government workers receive their health insurance through Blue Cross Blue Shield.

There are a variety of perks and benefits associated with Blue Cross Blue Shield rehab coverage NJ that could be useful to individuals struggling with mental health or addiction. While many Blue Cross Blue Shield policies provide a range of benefits to cover addiction treatment, options and programs vary depending on the state you reside in and your individual plan.

Types of Blue Cross Blue Shield Insurance Plans

While BCBS plans can vary based on which state you are in, most plans are broken down into different levels:

• Bronze plans have the lowest premiums, but out-of-pocket costs are higher. BCBS pays about 60% of the cost of your medical care once your deductible is met.
• Silver plans have higher premiums compared to bronze plans, but you pay less out of pocket than with a bronze plan. BCBS pays about 70% of your medical care after your deductible is met.
• Gold plans have higher premiums compared to silver plans and low out-of-pocket costs. BCBS pays about 80% of your medical care once your deductible is met.
• Platinum: Platinum plans are not available in all states or locations. These plans typically cover about 90% and have low deductibles and very high monthly premiums compared to the bronze, silver, and gold plans.

Many Blue Cross Blue Shield rehabilitation coverage plans also cover family, group, and individual counseling as part of drug rehab services to treat co-occurring mental health disorders. Some BCBS insurance plans may also cover relapse prevention services and drug education programs. However, some plans may set a lifetime limit on drug rehab services.

BCBS participates in Medicaid, which is a health insurance program for people with low incomes who often have severe health conditions. Medicare, a federal insurance program for people aged 65 and older, is also administered through BCBS. Another advantage of a large, nationwide insurance company like BCBS is that you can easily access treatment in other states. The BlueCard program allows you to benefit from local BCBS plan rates even if you decide to seek treatment outside your home state.

Blue Cross Blue Shield HMO and PPO Plans

BCBS offers both HMO and PPO plans. An HMO plan allows you to select a primary care physician (PCP) who will provide you with referrals to other providers, hospitals, and specialty clinics within your network, as needed. HMO plans typically have lower monthly premiums but higher deductibles. With a PPO plan, you will not need to choose a PCP, and you are not confined to a network. You can visit any provider, hospital, or specialty clinic. PPO plans often have higher monthly premiums but lower deductibles.

Coverage for Substance Abuse Treatment

The type of BCBS insurance plan you´re on impacts your rehab costs. The final costs will also depend on the kind of care you choose to receive from the facility or the services you select. 

If you´re looking for alcohol detox centers in New Jersey, it´s important to understand BCBS alcohol rehab coverage or BCBS alcohol treatment coverage. If medical detox services are needed for substances such as opiates, alcohol, or benzodiazepines, part or all of the cost may be covered if it is determined to be medically necessary.

Your Blue Cross Blue Shield drug rehab may cover a portion or the entire cost of drug treatments. In addition to drug detox, you might be interested in different levels of rehab care, including:

• Inpatient/residential rehab—You or a loved one live at the facility throughout the duration of treatment, which is typically anywhere from a few weeks to several months in length. You will receive 24-7 care from medical professionals, as well as attend individual and group counseling. The inpatient rehab type of treatment is best for those who don’t have the support needed at home or those who need constant supervision.
• Outpatient rehab—Outpatient rehab services allow patients to continue living at home while they attend an outpatient facility a few times per week. The focus of outpatient rehab is group therapy. This type of treatment is for those without a severe addiction and/or family support at home.
• Intensive outpatient program (IOP)—An IOP is a type of outpatient treatment program that is more structured than a standard outpatient program but less intensive than an inpatient facility. 
• Partial hospitalization programs (PHP)—PHP services are another type of outpatient treatment for people who require more supervision than a traditional outpatient program offers, but not as much supervision as an inpatient program. This type of program usually takes place in a hospital setting and requires approximately 20 hours of treatment per week. 

Keep in mind that, in addition to these factors, the costs of rehab services will depend on whether you are considering drug rehabs that take Blue Cross Blue Shield insurance plans or, simply put, whether rehabs are in- or out-of-network.

BCBS: In-Network vs. Out-of-Network Providers

When you are choosing a rehab facility for your recovery, it´s important to be informed whether your institution of choice is considered in-network or out-of-network. An in-network facility means that there is an agreement between a healthcare facility and an insurance company regarding discounts on services and the quality of those services. An out-of-network facility has no such agreement. This distinction can have a significant impact on your budget, as you would have to pay out-of-pocket for out-of-network facilities. 

We Level Up New Jersey and BCBS Insurance have been partners for a while. We are happy and proud to be one of BCBS´s in-network facilities, making us one of the drug rehabs that take Blue Cross Blue Shield coverage. This means that our services comply with strict BCBS quality requirements and can be offered at discounted prices. 

Keep in mind that if you are uncertain about the amount of coverage, you can always reach out to us and determine what would be the ultimate price for your drug or alcohol rehab.

Verifying Your BCBS Insurance Coverage New Jersey Benefits

We at We Level Up NJ can help you verify your insurance plan in three easy steps:

• Fill out the verification form: Simply fill out the information on our form and let us check with your insurance provider. Most BlueCross BlueShield PPO plans will cover your treatment. Keep in mind that some plans require a small co-payment. We can go over the details of what your plan offers.
• Treatment consultation: In addition, we also provide a consultation, which may include an assessment of your condition and your needs. We can help you develop the right treatment so that you can get the help you need.
• Choose your treatment: Although we can make some recommendations, you are ultimately in charge of what treatment you want to participate in.

If you are interested in drug rehab at We Level Up NJ, we can confirm your Blue Cross Blue Shield benefits for you. We can also let you know how much your insurance will cover, the types of services that you can receive using your insurance, and any other details about your insurance that you may have questions about. 

We aim to help you access the services you need as quickly as possible, so we are happy to help you in any way we can during the preliminary steps of seeking care.

How We Level Up Lawrenceville NJ Assists with BCBS Insurance

Verifying your BCBS Insurance Coverage New Jersey benefits is easy at We Level Up Lawrenceville NJ. Get accurate, up-to-date information regarding your policy and coverage for rehab by calling us now or filling out the confidential form on this page. You will need to have the following information ready when you call or fill out the form:

• Company name of your insurance provide
• Your member ID number
• Your date of birth
• Your insurance provider’s telephone number (found on the back of your insurance card)

The insurance verification process at We Level Up NJ is a free service we provide to make the treatment-seeking process easier and less complicated for you. We are happy to contact BCBS on your behalf, free of charge. If, during the initial insurance and admissions screening process, we find that our addiction treatment services will not meet your or your loved one’s needs, we will provide alternative suggestions for qualified treatment.

FAQs on BCBS Insurance Coverage New Jersey

Rely on BCBS Insurance Coverage New Jersey

Addressing an addiction can be both mentally and financially challenging for both the addict and their loved ones. Luckily, options like BCBS insurance coverage New Jersey can make things easier with their variety of insurance plans that cover the cost of rehabilitation, fully or partially.

Taking full advantage of your Blue Cross Blue Shield rehabilitation coverage is possible with an in-network facility like We Level Up Lawrenceville, New Jersey. We are grateful that the BCBS network recognizes and approves us as a top-notch facility that can help people overcome their problems with substance and alcohol abuse. Call us to get more information on our rehab programs and your insurance coverage for them.