Does Regence cover therapy for mental health, alcohol and drug addiction? Behavioral health issues can vary widely. Anxiety and depression, the abuse of alcohol, prescription drugs, and illicit substances all have the ability to negatively affect your quality of life. Connect with We Level Up NJ and verify your Regence Mental Health coverage for drug & alcohol rehab. Read to learn more.
By We Level Up NJ Treatment Center | Editor Yamilla Francese | Clinically Reviewed By Lauren Barry, LMFT, MCAP, QS, Director of Quality Assurance | Editorial Policy | Research Policy | Last Updated: March 17, 2023
Does Regence Cover Mental Health & Addiction Treatment?
Regence is a health insurance company that offers various health plans to individuals and groups. Regence Mental Health provides coverage for mental health and addiction treatment services under most of its health plans.
Does Regence cover mental health services? Regence Mental Health coverage for mental health and addiction treatment services will depend on the specific Regence mental health plan that you have. In general, Regence Mental Health plans cover mental health and substance abuse treatment services that are considered medically necessary.
Regence Mental Health providers’ plans may cover services such as outpatient therapy, inpatient psychiatric care, substance abuse treatment programs, and prescription medications for mental health conditions. However, the specifics of coverage, including copays, deductibles, and maximums, will vary depending on your specific plan.
It’s important to check with Regence Blue Cross Mental Health providers directly or review your plan documents to understand your mental health and addiction treatment coverage. You can also contact Regence Mental Health customer service for more information or to get help finding mental health and addiction treatment providers in your area.
Does Regence Cover Therapy for Addiction Treatment?
Yes, Regence covers therapy for addiction treatment as part of its mental health and substance abuse benefits. Therapy is a critical component of addiction treatment, and Regence recognizes this by providing coverage for various types of therapy services.
Regence insurance mental health plans typically cover outpatient therapy services for substance abuse treatment. This may include individual therapy, group therapy, and family therapy. Regence plans may also cover intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs) for individuals with more severe substance abuse disorders.
The specifics of coverage for Regence therapy services will depend on the specific Regence Blue Shield mental health providers’ plan that you have. It’s essential to review your plan documents or contact Regence Insurance mental health providers’ customer service to understand the details of your therapy coverage, including any copays, deductibles, or maximums that may apply.
In general, Regence Behavioral Health is committed to providing its members with access to high-quality mental health and addiction treatment services. If you or a loved one is struggling with addiction, it’s essential to reach out to Regence Behavioral Health or your Regence Behavioral Health providers for help finding the right treatment options.
What Are the Insurance Coverage Levels and Plans for Regence Mental Health?
Regence Blue Shield Mental health providers offer a variety of health insurance plans with different levels of coverage for mental health services. The specific details of coverage will depend on the plan that you have. Here is a general overview of Regence blue shield mental health coverage levels and plans:
- Bronze Plans: These are Regence’s lowest-tier plans. They typically have lower monthly premiums and higher out-of-pocket costs, including deductibles, copays, and coinsurance. Mental health coverage under these plans is often limited, with higher out-of-pocket costs for mental health services.
- Silver Plans: These plans have moderate monthly premiums and out-of-pocket costs. Mental health coverage under Silver plans is usually more comprehensive than Bronze plans. Silver plans may cover a higher percentage of the cost of mental health services and may have lower copays and deductibles.
- Gold Plans: These plans have higher monthly premiums but lower out-of-pocket costs than Bronze or Silver plans. Gold plans typically have more comprehensive mental health coverage, with lower copays and deductibles for mental health services.
- Platinum Plans: These are Regence’s highest-tier plans. They have the highest monthly premiums but the lowest out-of-pocket costs. Mental health coverage under Platinum plans is usually the most comprehensive, with the lowest copays and deductibles for mental health services.
In addition to these plan levels, Regence behavioral health providers may also offer specific mental health plans, such as the Regence Mental Health Select Plan. These plans provide more comprehensive mental health coverage, including coverage for intensive outpatient programs, partial hospitalization programs, and residential treatment programs.
It’s important to review your plan documents or contact Regence customer service to understand the details of your mental health coverage, including any copays, deductibles, or maximums that may apply.
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Regence Mental Health Providers Statistics
Regence offers mental health coverage as part of its comprehensive health plans. Mental health benefits are available to both individuals and groups who purchase health insurance through Regence. In 1984, the Hospital Service Corporation merged with other non-profit health insurance companies to form the Regence Group. Today, the Regence Group is made up of four health plans: Regence BlueCross BlueShield of Oregon, Regence BlueShield (Washington), Regence BlueCross BlueShield of Utah, and Regence BlueShield of Idaho.
Regence is one of the largest health insurance companies in the Pacific Northwest and has been providing health insurance coverage for over 100 years.
Source: Regence Mental Health providers home page
Regence is a not-for-profit health insurance company that serves over 3 million members across four states: Oregon, Washington, Idaho, and Utah.
Source: Regence Mental Health providers home page
Regence was founded in 1917 as the first health insurance company in the Pacific Northwest. The company was originally called the “Hospital Service Corporation” and was created to help people pay for hospital care during a time of significant healthcare system transformation.
Source: Regence Mental Health providers home page
Facts About Health Insurance Coverage
Here are some interesting facts about health insurance coverage:
- As of 2021, over 91% of the US population has health insurance coverage through private insurance, Medicare, Medicaid, or other government programs.
- The Affordable Care Act (ACA), also known as Obamacare, has significantly increased the number of Americans with health insurance coverage. Since its implementation in 2010, over 20 million people have gained coverage.
- Health insurance coverage varies widely by state, with some states having much higher uninsured rates than others. For example, in 2019, the uninsured rate in Texas was 18.4%, while the uninsured rate in Massachusetts was just 3.0%.
- Health insurance coverage can be expensive, with the average annual premium for a family plan exceeding $21,000 in 2020. However, many people receive subsidies to help offset the cost of their premiums.
- Health insurance coverage can be a lifeline for people with chronic conditions or serious illnesses. Without insurance, the cost of medical care can be prohibitively expensive, leading to financial hardship or even bankruptcy.
- Health insurance coverage can be complex, with many different types of plans, networks, deductibles, and copays. It’s important to carefully review your coverage options and understand the specifics of your plan.
- Health insurance coverage can have a major impact on public health outcomes. Research has shown that people with health insurance are more likely to receive preventive care, manage chronic conditions, and have better health outcomes overall.
Do Regence Mental Health Insurance Cover Inpatient Addiction Treatment?
Yes, Regence mental health insurance does typically cover inpatient addiction treatment. Inpatient addiction treatment, also known as residential treatment, involves staying at a treatment center for an extended period of time to receive intensive therapy and support for addiction.
The specific details of coverage will depend on the plan that you have with Regence. However, in general, Regence mental health plans cover inpatient addiction treatment as a medically necessary service for the treatment of substance use disorders.
It’s important to review your plan documents or contact Regence customer service to understand the details of your coverage for inpatient addiction treatment, including any copays, deductibles, or maximums that may apply. You may also need to meet certain medical criteria to be eligible for inpatient addiction treatment, such as a diagnosis of a substance use disorder and a recommendation from a healthcare provider.
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What are the Types of Drug Addictions Covered by Regence Mental Health Insurance?
Regence mental health insurance covers a variety of drug addictions, including both prescription and illegal drugs. The specific types of drug addictions covered will depend on the plan that you have with Regence, as well as any medical criteria that must be met for coverage.
However, in general, Regence mental health insurance typically covers substance use disorders related to the following drugs:
- Opioids, including prescription painkillers like oxycodone and hydrocodone, as well as illegal drugs like heroin.
- Stimulants, including prescription medications like Adderall and Ritalin, as well as illegal drugs like cocaine and methamphetamine.
- Sedatives and tranquilizers, including prescription medications like Xanax and Valium.
- Alcohol, including treatment for alcohol use disorders.
- Other drugs, including marijuana, hallucinogens, and other substances with potential for abuse and addiction.
It’s important to review your plan documents or contact Regence customer service to understand the details of your coverage for drug addiction treatment. This may include information on any copays, deductibles, or maximums that may apply, as well as any medical criteria that must be met for coverage.
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What is the Difference Between HMO and PPO Plans?
HMO and PPO plans are two common types of health insurance plans. Here are the main differences between HMO and PPO plans:
- Provider Network: HMO plans typically have a more restricted provider network than PPO plans. With an HMO plan, you must choose a primary care physician (PCP) as your gatekeeper for referrals to specialists within the HMO network. With a PPO plan, you have more flexibility to see any provider you choose, whether they are in or out of network.
- Referrals: As mentioned above, HMO plans typically require you to obtain a referral from your PCP before seeing a specialist within the network. PPO plans generally don’t require referrals and offer more provider flexibility.
- Out-of-pocket costs: HMO plans often have lower out-of-pocket costs, including copayments and deductibles, than PPO plans. However, HMO plans may restrict the types of services covered and require you to pay a higher percentage of the cost for out-of-network services.
- Premiums: HMO plans often have lower monthly premiums than PPO plans since the network is more restricted and the out-of-pocket costs are lower.
Overall, the main difference between HMO and PPO plans is the level of flexibility and control you have over your healthcare choices. If you prefer a plan with lower out-of-pocket costs and don’t mind a more restricted network, an HMO plan may be a good choice. A PPO plan may be better if you want more flexibility in choosing providers and don’t mind paying higher out-of-pocket costs.
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In-Network Vs Out-of-Network Insurance Provider
In-network and out-of-network insurance providers can affect the coverage and cost of addiction treatment. Here’s what you need to know about in-network vs. out-of-network insurance providers for addiction treatment:
- If you have an in-network insurance provider for addiction treatment, you’ll typically pay lower out-of-pocket costs for care.
- Your insurance company will have a list of in-network providers that offer addiction treatment services, including detoxification, therapy, and medication-assisted treatment.
- You’ll be responsible for paying any copay, coinsurance, or deductible for the care you receive, but these costs will typically be lower for in-network providers.
- In-network providers will have an established relationship with your insurance company, making the billing and payment process smoother.
- If you choose to receive addiction treatment from an out-of-network provider, you’ll typically pay higher out-of-pocket costs for care.
- Your insurance company may cover some of the cost of care, but you’ll be responsible for paying a larger portion of the cost, including higher copays, coinsurance, and deductibles.
- In some cases, your insurance company may not cover the cost of out-of-network addiction treatment, leaving you responsible for the entire cost of care.
- It’s important to note that some insurance plans may not cover out-of-network addiction treatment at all, while others may have limited coverage.
If you’re seeking addiction treatment, check with your insurance company to understand your coverage options and the costs associated with in-network and out-of-network providers. You may also want to consider talking to your healthcare provider or treatment center to understand their relationship with your insurance company and how they can help you navigate the insurance process.
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We Level Up NJ Makes It Easy to Verify Regence Mental Health Coverage for Drug Rehab
We understand that combing through the Regence Mental Health policy can be challenging, time-consuming, and frustrating. Fortunately, you don’t have to do it alone. At We Level Up NJ, our admissions staff works with many Regence Blue Cross Mental Health providers’ customers during admissions.
Once we determine the appropriate level of care for you or your loved one, we will quickly verify your insurance benefits and have an open and honest conversation about your Regence Mental Health plan and Regence Innova mental health coverage.
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Our team of admissions coordinators is here to assist you in the first step toward recovery and is available to answer any questions or concerns you have. We know taking the first step in anything can be difficult, especially when dealing with addiction. Our staff knows firsthand what you’re going through. We want you to know that you are not alone, and we are here to assist throughout the journey.
Search We Level Up NJ “Regence Mental Health Coverage” Topics & Resources
 SAMHSA – https://www.samhsa.gov/about-us/who-we-are/laws-regulations Tag: Does Regence cover mental health? / Regence alcohol abuse treatment
 Regence Mental Health Coverage Home Page– https://www.regence.com/member/behavioral-health / Tag: Does Regence cover mental health? / Regence alcohol abuse treatment
 Sen BP, Blackburn J, Morrisey MA, Kilgore ML, Menachemi N, Caldwell C, Becker DJ. Impact of Mental Health Parity and Addiction Equity Act on Costs and Utilization. 2019 Jan-Feb;19(1):27-34. doi: 10.1016/j.acap.2018.07.014. Epub 2018 Aug 3. PMID: 30077675. / Tag: Does Regence cover mental health?
 How the affordable care act and mental health parity and addiction equity act greatly expand coverage of behavioral health care – Beronio K, Glied S, Frank R. How the affordable care act and mental health parity and addiction equity act greatly expand coverage of behavioral health care. J Behav Health Serv Res. 2014 Oct;41(4):410-28. doi: 10.1007/s11414-014-9412-0. PMID: 24833486. / Tag: Does Regence cover mental health?
 Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health – Substance Abuse and Mental Health Services Administration (US); Office of the Surgeon General (US). Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health [Internet]. Washington (DC): US Department of Health and Human Services; 2016 Nov. PMID: 28252892. / Tag: Does Regence cover mental health?
 Substance Abuse and Mental Health Services Administration (US); Office of the Surgeon General (US). Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health [Internet]. Washington (DC): US Department of Health and Human Services; 2016 Nov. CHAPTER 4, EARLY INTERVENTION, TREATMENT, AND MANAGEMENT OF SUBSTANCE USE DISORDERS. Available from: https://www.ncbi.nlm.nih.gov/books/NBK424859/Tag: Does Regence cover mental health?
 Mental Health & Substance Abuse – https://www.hhs.gov/programs/prevention-and-wellness/mental-health-substance-abuse/index.html / Tag: Does Regence cover mental health?
 Private health insurance coverage of drug use disorder treatment – Mojtabai R, Mauro C, Wall MM, Barry CL, Olfson M. Private health insurance coverage of drug use disorder treatment: 2005-2018. PLoS One. 2020 Oct 9;15(10):e0240298. doi: 10.1371/journal.pone.0240298. PMID: 33035265; PMCID: PMC7546457 / Tag: Does Regence cover mental health?
 Private Health Insurance Coverage for Substance Use Disorders and the Receipt of Specialty Treatment among U.S. Adults – Cummings JR, Wen H, Ritvo A, Druss BG. Health insurance coverage and the receipt of specialty treatment for substance use disorders among U.S. adults. Psychiatr Serv. 2014 Aug 1;65(8):1070-3. doi: 10.1176/appi.ps.201300443. PMID: 25082606; PMCID: PMC4189808. Tag: Does Regence cover mental health?
 Tran Smith B, Seaton K, Andrews C, Grogan CM, Abraham A, Pollack H, Friedmann P, Humphreys K. Benefit requirements for substance use disorder treatment in state health insurance exchanges. Am J Drug Alcohol Abuse. 2018;44(4):426-430. doi: 10.1080/00952990.2017.1411934. Epub 2017 Dec 20. PMID: 29261341; PMCID: PMC5940489 / Tag:
 Tran Smith B, Seaton K, Andrews C, Grogan CM, Abraham A, Pollack H, Friedmann P, Humphreys K. Benefit requirements for substance use disorder treatment in state health insurance exchanges. Am J Drug Alcohol Abuse. 2018;44(4):426-430. doi: 10.1080/00952990.2017.1411934. Epub 2017 Dec 20. PMID: 29261341; PMCID: PMC5940489 / Tag: Does Regence cover mental health?