Are you considering rehab? You’re not alone. Many people struggle with substance abuse also. According to statistics from the National Institute on Drug Abuse (NIH), more than 130 Americans die as the result of opiate abuse every day. Whether you’re dealing with opiates, alcohol, methamphetamines, or other drugs, you need help. However, you may not be able to afford the expenses for rehab out of pocket. Will your BlueCross BlueShield health insurance in Los Angeles cover the costs?
Required by Law: What are the Rules for BlueCross BlueShield Health Insurance in Los Angeles?
According to the Mental Health Parity and Addiction Equity Act of 2008, BlueCross BlueShield health insurance in Los Angeles must treat your substance abuse problem the same as it treats any other health disorder. In other words, they can’t deny you treatment. However, this doesn’t necessarily mean that they have to pay for a full inpatient rehab stay. Your coverage will depend on the policy you carry.
People often worry that using their BlueCross BlueShield rehab insurance coverage will raise their rates in the future. Luckily, the Affordable Care Act (ACA) created laws that protect you. Insurance companies can’t raise rates on customers who use their insurance even for addiction rehab. Rehab insurance coverage is considered essential.
All About BlueCross BlueShield Health Insurance in Los Angeles: What’s Covered by Your Plan?
BlueCross BlueShield health insurance in Los Angeles is a combined operation. The company consists of 36 individual health insurance companies who came together in 1982. The company provides various forms of health insurance for more than 106 million people in the United States.
Most plans for BlueCross BlueShield health insurance in Los Angeles cover the basics of drug and alcohol rehabilitation, including medical detox. However, first, your doctor must decide that a supervised detox is necessary. If you’re abusing any form of addictive substance, such as alcohol, opiates, or benzodiazepines, this will most likely be the case. These substances are highly addictive, and therefore your body can become dependent on them. Your best bet for safely detoxing is to do so under the supervision of medical professionals.
The type of BlueCross BlueShield policy you carry will also determine what recovery center you can enter. For example, there are two types of plans: Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). If you have an HMO plan, you’ll be able to use the services of a recovery center that has contracts with the HMO. However, if you have a PPO plan, you will be able to access a wide range of recovery centers.
Your BlueCross BlueShield rehab insurance coverage will vary depending on the tier of your plan. For example, if you have the cheapest monthly premium, your plan will have a high deductible and only cover 60 percent of your medical costs. If you want to find out what’s covered, contact your preferred recovery center. The staff will verify your insurance.
Using Your BlueCross BlueShield Rehab Insurance Coverage: Stepping Forward with Melrose Recovery
The team at Melrose Recovery wants to help you take the first of many steps down the road to recovery. We use evidence-based therapies to help every resident succeed.
Our program includes:
- Cognitive behavioral therapy and other proven methods
- Art, music, and experiential therapy
- Adventure sports and outdoor activities
- Team-building exercises and socialization with other residents
- Inspiration from a trusted speaker, author, and life coach Tim Storey
You can win in the fight against drugs and alcohol. Melrose Recovery is here to help. Contact us today to verify your BlueCross BlueShield rehab insurance coverage and begin our program. We can be reached at 866-271-3438.