Blue Cross Blue Shield Health Insurance for Addiction Treatment

Explore how Blue Cross Blue Shield covers addiction treatment, including inpatient and outpatient services. Find the care you need today.

Blue Cross Blue Shield Health Insurance for Addiction Treatment

Explore how Blue Cross Blue Shield covers addiction treatment, including inpatient and outpatient services. Find the care you need today.

In 1929, Blue Cross Blue Shield (BCBS) was founded. Today, they are a Federation of 33 independent health insurance companies. There are 100 million members across the U.S. that have access to quality healthcare through BCBS plans.

The Federation takes corporate responsibilities seriously and works hard to positively impact healthcare in U.S. communities through the growing number of independent companies that access their network of healthcare providers and facilities.

If you live and work internationally, you can also get BCBS coverage. The BCBS Axis program is the industry’s largest database used to power analytics and insights in healthcare, resting on the concept of better healthcare through bigger data, including data that supports behavioral health services.

Does Blue Cross Blue Shield Insurance Cover Addiction Treatment?

Yes, most Blue Cross Blue Shield insurance policies cover drug rehab and addiction treatment.

BCBS may cover several types of behavioral health services. For example, if you need inpatient and outpatient care, medical detox, therapy, counseling, and aftercare programs to support your recovery journey, your plan may help.

Two federal laws regulate the insurance industry. These laws are the 2008 Mental Health Parity and Addiction Equity Act and the Affordable Care Act. However, there are exceptions to these laws, so it is important to check your insurance coverage before starting treatment.

Typically, an addiction treatment center can help verify your insurance coverage, estimate your out of pocket costs, and answer your questions about the therapy options.

Where Does Blue Cross Blue Shield Offer Coverage

Blue Cross Blue Shield offers coverage across the U.S., including all states, Washington DC, and Puerto Rico. The insurance coverage is provided through 33 independent and locally operated companies. Each one serves a specific region and offers tailored plans to meet the needs and regulations of the local communities.

In addition to domestic coverage, BCBS offers international coverage through the Blue Cross Blue Shield Global network. This provides coverage when you live, work, or travel abroad, and it ensures that as a member of Blue Cross Blue Shield, you have access to healthcare services worldwide.

BCBS has insurance plans in all 50 states through various licensee companies. Learn more about Blue Cross Blue Shield insurance in a few of these states:

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Addiction Centers That Accept Blue Cross Blue Shield

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    Avenues Recovery Center at Lake Ariel

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    This is an ad and Avenues Recovery Center at Lake Ariel is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
    2
    Top 10 Rehab In Pennsylvania
    4.8
    (312 reviews)
    Check iconClaimed
    Clients seeking treatment for alcohol addiction may be required to undergo detox first. The detox process ensures any abused substances are out of a client’s system and that they are in a healthy frame of mind when they enter residential treatment. Detox is overseen and closely monitored by medical staff. The residential program takes clients
    View Website (570) 354-6060
    Incredible place. Learned so much in such a short time. With staff that genuinely cares about the patients.
    Peter Mataloni
    1 week ago
    I would recommend Avenues to anyone who is suffering from alcohol or drug addiction. The program was not only challenging but they made it so it was fun also! I learned more about my addiction and myself than I had even expected within my time at Avenues. Hands down the right place for me and anyone who suffers from addiction.
    Jessica Zink
    1 week ago
    The best choice I ever made was coming to avenues! From the staff to the community, this is an amazing place. This was my 2nd time in treatment and I cant recommend it enough. I had Cassie as my counselor and she supported me and pushed me to the limit and I wouldn't have been able to do this again without her. Tyler the Alumni Coordinator works hard to set up after care and continue to support you once you graduate the program. Hands down 10 out of 10!
    Nicole Spadaro
    3 weeks ago
    Avenues Recovery Center at Lake Ariel PA 18436
    5
    5
    The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 1 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 2 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 3 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 4
    1
    Top 10 Rehab In Texas
    5.0
    (64 reviews)
    Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. The CARF accredited clinic offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outpatient program (IOP), one on one
    BEST PLACE EVER. I have tried various other doctors/clinics and none of them even begin to compare to this one. The staff here is absolutely amazing. I can’t even make a single complaint. Dr Son is the best as well. He explains everything and you truly feel like he understands you. I can proudly say this, this place saved my life. If you or someone you know needs help getting off opiates do it right the first time and come here. You won’t be disappointed. If you are specifically struggling with fentanyl please don’t waste your time with other ways. I have tried 6 other methods from lazer therapy to having the earpiece to suboxone. Methadone is the key to our current fentanyl crisis. This clinic makes recovery possible again!
    Mason
    3 weeks ago
    Entire staff was friendly, helpful and supportive throughout the whole process from reception to nurses to counselors
    William Maddux
    1 month ago
    The nurses at the hurst location and also Samantha the receptionist are all so kind and compassionate!! They all go above and beyond the call of duty. They should all be praised for their hard work and their kindness to their patients!!
    Debbie Tyler
    1 month ago
    Symetria Recovery - Hurst TX 76054
    5
    5
    The facilities at Symetria Recovery - Hurst in Hurst, TX 1 The facilities at Symetria Recovery - Hurst in Hurst, TX 2 The facilities at Symetria Recovery - Hurst in Hurst, TX 3 The facilities at Symetria Recovery - Hurst in Hurst, TX 4
    1
    Top 10 Rehab In Pennsylvania
    4.8
    (295 reviews)
    The Steps To Recovery addiction treatment center is situated in Levittown, Pennsylvania. At this drug rehab center, patients can expect to engage in a unique treatment approach that focuses on helping individuals recover through authenticity, intimacy, community connection, and transparency. Steps to Recovery offers a serene and private environ
    Great experience, professional staff, and flexibility of program was perfect for me! Feel like a new person. Thank you!
    Doug Bradley
    1 week ago
    Steps to recovery was a great program. The bhts were great and understood what I was going through with a lot of them being in recovery as well. As well as the therapists being well trained and met my needs. Overall a wonderful program that I would return to.
    Omi Floyd
    3 weeks ago
    My treatment here was absolutely a success. I came here highly depressed with a negative outlook on life with zero hope. In combination with group therapy and individual therapy, my whole perspective was changed. I’m leaving here refreshed and ready for what life has in store for me. Would absolutely recommend to anyone who is struggling with substances and or their mental health.
    Abronah Chandler
    1 month ago
    Steps to Recovery PA 19056
    6
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    The facilities at Steps to Recovery in Levittown, PA 1 The facilities at Steps to Recovery in Levittown, PA 2 The facilities at Steps to Recovery in Levittown, PA 3 The facilities at Steps to Recovery in Levittown, PA 4
    1
    Top 10 Rehab In California
    4.8
    (307 reviews)
    Located in Watsonville, California, Elevate Addiction Services provides alcohol and drug rehab services to men and women suffering from addiction. Their levels of care include detox, inpatient treatment, and outpatient treatment. Elevate Addiction Services provides a wide continuum of care that meets each person where they are in their recovery pro
    The program here is like no other. The staff is dedicated to every client. Thank you for saving my life.
    Joel
    1 week ago
    Elevate helped save my son's life!  One year ago, I was on a desperate search for a place that would help my son quit drinking.  I went online and was so overwhelmed with all the choices!  I called a couple places and was not impressed with what they offered. I prayed to God He would lead me to the right place, and He did!  The 3rd place I called, this nice guy named Josh answered, and right away, we connected.  I asked questions, he asked questions.  What I loved about what he said, was that they did not rely on prescribing a bunch of meds to "fix" my son, but offered an in depth program that included exercise as part of the journey to recovery, and to ultimately learn to not rely on anything to self medicate ever again. Ding!  I knew he would love something like this, and the more Josh talked, the more I wanted to get my son on a plane!  Of course, the final decision was up to him, and at that point, he was ready for a major change, and trusted my judgement.  Thank God! Within days, my son was up north and that was the beginning of his new life because today marks his ONE YEAR from not having a drop of alcohol!  In fact, he liked Elevate so much, he stayed up there, trained heavily for 3 months, and is now an employee who helps counsel new clients.  He earned Employee of the Month last month and I couldn't be more proud of the hard work he did and does for himself. I can't thank Elevate enough for the part they played in his recovery.  It was divine intervention and I'm so grateful he chose himself and continues to live out his purpose.  Thank you to the team at Elevate!
    Sheree Roozen
    2 weeks ago
    Elevate helped my find out how to believe in and to love myself—now sobriety seems actually sustainable. I’m not sure what I would have done without this place, and I’m glad I never have to find out.
    james hays
    2 weeks ago
    Elevate Addiction Services CA 95076
    5
    5
    The facilities at Elevate Addiction Services in Watsonville, CA 1 The facilities at Elevate Addiction Services in Watsonville, CA 2 The facilities at Elevate Addiction Services in Watsonville, CA 3 The facilities at Elevate Addiction Services in Watsonville, CA 4

    Boca Recovery Center – New Jersey Drug & Alcohol Rehab

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    1
    Top 10 Rehab In New Jersey
    4.9
    (430 reviews)
    Boca Recovery Center – Galloway is a drug and alcohol rehab in Galloway, NJ. They provide inpatient addiction treatment and medical detox. Boca offers residential addiction treatment, medical detox, and medication-assisted treatment in an immersive treatment setting set on the Jersey Shore. This facility offers 24-hour medical care and medicati
    View Website (609) 270-3068
    This was a really good place. All the staff really cares about the patients that come in and treat everyone with respect and kindness and are very understanding in this difficult situation.
    Mike Bond
    1 month ago
    Had a great experience here the staff was so helpful and welcoming
    Kylie Rucker
    1 month ago
    I had an amazing experience at Boca. The staff was very nice. My therapist Mikaela was great and very helpful.
    Ben Kenuk
    1 month ago
    Boca Recovery Center - Galloway NJ 8205
    7
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    Boca Recovery Center Galloway NJ, exterior with brand sign Boca Recovery in Galloway, NJ front door exterior Boca Recovery Galloway, NJ dining room interior
    1
    Top 10 Rehab In Florida
    4.9
    (297 reviews)
    Boca Recovery Center in Pompano Beach, Florida is located just 10 miles north of Fort Lauderdale. We provide comprehensive rehabilitation services ranging from medical detoxification and residential treatment to specialized programs that meet your unique needs. Boca Recovery Center in Pompano Beach, Florida, is an addiction treatment facility for a
    If I had to do it again I would go back here, the staff was amazing. They understand and do their best to keep you comfortable. Food is great and they do an awesome job helping you find your ideal after care program. I’ve never been so optimistic in my recovery.
    Jordan Gonzales
    1 week ago
    My son was treated at Boca Recovery Center, and I will fully recommend this facility to anyone suffering from substance abuse disorder. They are professional and caring. They respond calls, they make you feel like you matter. I am grateful to everyone, from admissions to the front desk, to the therapist Laura to the case manager Nikki. Thank you for being there for my son in such a troubling time in his life. You saved his life.
    Bibiana Escobar
    2 weeks ago
    I loved it at boca. Very professional, great staff,and I would most definitely recommend boca to anyone seeking detox. My experience was wonderful. It was the perfect stepping stone to start my recovery.
    Jesse
    2 weeks ago
    9
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    Boca Recovery Center Detox FL 33060 boca recovery pompano beach cafe boca recovery pompano beach gym boca recovery pompano beach exterior
    2
    Top 10 Rehab In Florida
    4.9
    (304 reviews)
    Boca Recovery Center is a comprehensive drug and alcohol treatment center in Boca Raton, Florida. Their Boca Raton location is actually their administrative office so they don’t administer treatment here directly but this is the place you call as a starting point for your recovery. They’ll help you figure out which of their programs is the best
    The staff, facilities, food, counselors, nurses, housekeeping-literally every part of what I experienced during my stay at BRC exceeded expectations. I needed help and was willing to receive it and accept where I was at in life at that time. Will, Nikki and the multiple techs went above and beyond in their duties and I will forever be grateful to them for the care and compassion they gave me. I highly recommend BRC & I try to attend the weekly alumni zoom meeting have gone in person to speak as well and share my experience, strength and hope. I get checked in on regularly and it is reassuring to know that it isn’t simply a business-there are people who truly care. Thank you!
    Nicole OBrien
    2 weeks ago
    BRC is a leading SUD provider in multiple states and a trusted resource to get a loved one help. Glad to know several of their staff on a personal level, and they’re a testament to the fact that recovery works.
    George Bullock
    3 weeks ago
    This was the perfect place i am so thankful for Nikki and all the staff members I was on my way to 2 years in jail and boca completely saved me from that and i am now 1 year sober
    Secret Pruitt
    3 weeks ago
    Boca Recovery Center
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    1
    Top 10 Rehab In New Hampshire
    4.8
    (246 reviews)
    Plymouth House is a drug and alcohol addiction recovery center in Plymouth, New Hampshire. The Plymouth House is a retreat that serves adult clients with a process rooted in health in the 12 step program utilized by Alcoholics Anonymous. They are a private facility with residential amenities. Plymouth House sits on 60 private acres near the Whi
    I think I pissed off everyone that works here, but that's my stuff. Some of the best people I'll ever meet, even if just briefly like the speakers, I met this summer at the Plymouth House. Thank you specifically to David, to Adam, to Joe, to Hillary, to Carolee, to Tallya x a million, to the techs(Finn, Matt, Chelsea, Sam, Devin .. you really made me feel like it was okay when I was wigging out). And thank you to the monitors. There is always more work to be done, but I am sober. I make my bed everyday. I am grateful. ETA - thank you so much to the chefs, you pour your heart out and it shows. The boy from Alabama (Nate, I think?).. You are very talented, the boy that rocks the Atlanta gear, I was so impressed that you made donuts from scratch... But the female chef... Girl your knife skills and efforts are seen. It's a lot of work what yall are doing every day and I see you.
    Jessica Serio
    2 months ago
    This place quite literally saved my life. I struggled for many years with substance abuse. I tried for several years to get clean on my own but was never successful. I have nothing but great things to say about the Plymouth House if you are serious about wanting to heal yourself. Detox and Rehab are never an easy decision. You know that you want to better yourself but the process is never an easy one. The staff and clinicians at PH are very understanding non judgemental. Some have been in the trenches at times which makes the care and help they offer much easier. The food is great and they are truly genuine across the board not to mention you couldn't ask for a more tranquil environment to heal yourself. No better place to assist you on your journey to recovery
    Chad
    2 months ago
    The Plymouth House will always hold a special place in my heart and memory. It was my first treatment center and I am forever grateful for the respect and dignity I was treated with. I would love to come back and speak at an alumni meeting.
    Ben Kennedy
    2 months ago
    5
    5

    Avenues Recovery Center at Fort Wayne

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    3
    Top 10 Rehab In Indiana
    4.8
    (604 reviews)
    Check iconClaimed
    Situated in Fort Wayne, Indiana, Avenues Recovery Center is a modern, hotel-like addiction treatment facility. They offer a full continuum of care from inpatient detox, residential, medication-assisted treatment (MAT), outpatient and aftercare programs. They have a 95% long-term sobriety success rate. Residential treatment can begin with detox if n
    View Website (260) 235-5900
    Loved the staff they helped me so much
    Matthew Worrell
    1 week ago
    I want to thank everyone all staff at avenues you saved my life I'm moving up im going to spark a step up not down and just want to thank everyone.
    Todd Blevins
    1 week ago
    Great Facility Very much recommended! I've personally been in other treatment facilities and Avenues is by far been the most helpful in my recovery and treatment. Staff and over all atmosphere has been the absolute best.
    Jacob Bonham
    2 weeks ago
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    Avenues Recovery Center at Fort Wayne IN 46807 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 1 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 2 The facilities at Avenues Recovery Center at Fort Wayne in Fort Wayne, IN 3

    Boca Recovery Center – Bloomington Alcohol & Drug Rehab

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    This is an ad and Boca Recovery Center – Bloomington Alcohol & Drug Rehab is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
    2
    Top 10 Rehab In Indiana
    4.9
    (198 reviews)
    The Boca Recovery Center is a luxury alcohol and drug rehab center for adults in Bloomington, Indiana. They specialize in cutting edge addiction treatment provided in a residential setting. One unique part of this facility is the peaceful, secluded setting. If recovering in a clinical hospital setting doesn’t sound very appealing, you’ll apprec
    View Website (930) 203-1400
    Good place to go for help. Small group size makes it easy to talk and feel welcome. Food is great also.
    logan jetton
    2 weeks ago
    Loved it here at BOCA ..very caring staff that welcome you with open arms....they sure do set you up for success also
    Lena Grace
    2 weeks ago
    Great experience great case management
    Brian Barrett
    2 weeks ago
    Boca Recovery Center Bloomington IN
    6
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    boca recovery bloomington side entrance Boca Recovery Bloomington kitchen area food prep boca recovery bloomington bedroom boca recovery bloomington lounge
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    Frequently Asked Questions

    What Types of Policies Does Blue Cross Blue Shield Provide?

    BCBS offers a full range of policies across independent insurance companies. The policies are designed to meet the needs of the local communities. This means you may not find every type of BCBS plan in your geographical area.

    You can usually buy individual and family plans through the health insurance marketplace for your state. They include a range of Health Maintenance Organizations and Preferred Provider Organizations. You can also find High Deductible Health Plans that can be paired with Health Savings Accounts.

    Long term plans in the Marketplace must meet the Affordable Care Act regulations for essential health benefits, including covering treatment for mental health conditions and substance use disorders.

    Employer Sponsored Group Health Plans cater to businesses of all sizes. Often, larger employers can acquire more benefits in their policies and have more flexibility in choosing what to cover. These plans may cover essential health benefits, including behavioral health services and chronic disease management.

    Government sponsored health plans include Medicare and Medicaid. Blue Cross Blue Shield offers Medicare Advantage plans, Medicare Supplement Insurance, and Medicare Part D prescription drug plans.

    Medicare Part D typically covers medication assisted treatment for Original Medicare. Medicare Supplement Insurance helps cover Original Medicare copays and deductibles for inpatient and outpatient care, including behavioral health services. Medicare Advantage plans replace Original Medicare and often offer additional coverage benefits but you generally have to stay in the plan’s provider network.

    Specialty insurance plans offer additional coverage beyond standard insurance policies. This might include dental, vision, critical illness, and short-term health insurance.

    BCBS also offers international health insurance policies to cover your medical care while you’re traveling or living abroad.

    What Types of Inpatient Addiction Treatment Are Covered By Blue Cross Blue Shield?

    Most BCBS plans cover the cost of inpatient or residential treatment. During inpatient treatment you’ll be in a clinic or hospital while residential treatment usually takes place in a more home like facility located outside of a hospital. Medical detox may occur in either setting.

    In inpatient programs you’ll get around the clock care and support delivered by professional staff. Inpatient care often lasts for several days or weeks while residential care typically lasts 28 to 30 days with some programs running 60 days or 90 days or more.

    Insurance plans emphasize medical need as a condition of coverage so you may need a referral and/or preauthorization before you start treatment. Every plan is different so be sure you understand your coverage and out of pocket costs. Also remember that if you go to a facility in your plan’s network you can get maximum benefits for the lowest cost to you.

    What Types of Outpatient Rehab Are Covered By Blue Cross Blue Shield?

    There are several different outpatient programs that may meet your needs For example apartial hospitalization or day treatment program offers the most intensive care. You may also encounter intensive outpatient programs and general outpatient care.

    If you’re in a partial hospitalization program you’ll attend treatment during the day and then return home or to a sober living environment at night. A typical PHP program runs for 4 to 8 hours a day for three to six days a week and lasts 30 to 90 days. You’ll get treatment similar to a residential program including evidence based care and holistic treatment options.

    If you attend an intensive outpatient programs you usually get 9 to 20 hours of treatment per week with the hours spread over 3 to 5 days. The program generally lasts for at least 90 days.

    In generaloutpatient programs you would visit a clinic or rehab facility one or more times a week. Group counseling and educational sessions on substance misuse and relapse prevention strategies make up the typical program schedule. Individual sessions are often offered as needed and some general outpatient programs include 12 Step peer group meetings.

    Does BCBS Cover Suboxone & Methadone (MAT)?

    Medication assisted treatment is a common form of treatment used to address alcohol and opioid use disorders with the use of FDA approved medications and counseling. As standard medications for MAT, Suboxone and methadone are often covered under BCBS plans.

    Does Blue Cross Blue Shield Cover Mental Health Benefits?

    Depending on your policy, you may have access to a range of behavioral health benefits, including those that address mental health and substance use disorders.

    Your coverage details including benefits and co-payments along with deductibles and provider networks will vary based on where you live and the plan you purchase. You are encouraged to review your plan’s benefits or work with your addiction treatment center for precise information about your coverage.

    Their insurance policies may include inpatient and outpatient mental health counseling and therapy, medications, telehealth services, and case management.

    Does Addiction Treatment Need to Be In Network?

    Depending on the type of plan you choose you might need to attend an in network rehab in order for the costs to be covered by your insurance.

    They offer both preferred provider plans, also called PPO, and health maintenance organization plans. PPO plans let you get treatment from any provider you wish to use and you don’t need a referral. But these plans generally have higher premiums and greater out of pocket expenses than HMO plans.

    HMO plans will have a lower monthly premium, but the cost savings come with some tradeoffs. You’ll need to see a provider that’s within the plan’s network and you generally need a doctor’s referral to see a specialist such as an addiction counselor. HMO plans usually do not cover out of network care unless it’s a life threatening emergency.

    How Much Does Addiction Treatment Cost Without Insurance?

    If you don’t have private insurance you can still find affordable addiction treatment. Most states and many counties have government funded substance abuse treatment programs and you can find information about them on the state or county website. These rehabs might have longer waiting periods for admission and you won’t find luxury amenities but you can get the treatment you need for free or at a very low cost.

    Other ways to afford addiction treatment include using scholarships which are sometimes available from treatment centers or advocacy groups such as LGBTQ+ groups. Ask the rehab you are considering whether they have these options. Also find out whether the rehab offers sliding scale reduced fee options. Finally if need be you might consider using a credit card to pay for your addiction treatment or you could borrow money from family or friends.

    The most important part is getting the care you need so take the time to be diligent and creative in searching for funding options.

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