Blue Cross Blue Shield Federal: Rehab & Detox Centers That Take BCBS Federal

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Does Federal BCBS cover Inpatient Alcohol and Drug Rehab Centers?

When you’re struggling with addiction, the first step to recovery is realizing that you have a problem and seeking help to get better. Taking steps to get better can have its barriers, especially regarding finances. This may cause you to put off exploring options for treatment.

Addiction treatment doesn’t have to be a financial burden for you or your loved ones. Many insurance providers offer alcohol and drug treatment coverage. You can access some of the best facilities and treatment centers without worrying about how to fund costs.

Federal Blue Cross Blue Shield offers coverage for a wide range of treatment options and services for federal employees and retirees struggling with alcohol and substance use disorders. At least some portion of the rehab costs are covered, and sometimes, costs are covered completely.

If you want to check your Federal Bue Cross Blue Shield coverage, you can call the number on the back of your insurance card to find out more about your specific plan. You can also check your eligibility for coverage through different rehab centers based on the information you provide.

American Addiction Centers (AAC) can assist you in learning more about your coverage. You can reach out online through the chat feature or by filling out the SSVOB form. You can also speak directly with a representative on the phone to learn more about alcohol and drug coverage.

What is Federal BCBS?

The Blue Cross Blue Shield Association offers insurance coverage to every 1 in 3 Americans.^{1 about BCBS Association} It is a trade association comprised of 34 independent, community-based Blue Cross Blue Shield companies. Every year, BCBSA establishes the premiums and benefits for the BCBS Federal plan.^{2 The Blue Cross Blue Shield Association}

The Federal Blue Cross Blue Shield Employee plan provides health insurance to federal employees and their families. Since its beginning in 1960, BCBS Federal has been a member of the Federal Employees Health Benefits Program. Over 5.5 million federal employees, retirees, and their families across the globe receive coverage under the BCBS Federal Employee plan.^{2 Welcome to BCBS FEP}

Federal Blue Cross Blue Shield provides access to an extensive network of doctors, specialists, and hospitals. They’re the number one health insurance choice for federal employees, with 99% of members returning yearly.^{2 Welcome to BCBS FEP}

What types of drug treatments does Federal BCBS Insurance cover?

Alcohol and substance use disorders are treated with a variety of services. Federal Blue Cross Blue Shield insurance covers some or all of the costs of a wide array of treatment options for drug and alcohol addiction. Types of treatment that are at least partially covered by BCBS Federal insurance include:^{3 What types of treatments are available?}

Inpatient or residential rehab programs: Inpatient programs allow you to take time for self-care and recovery without dealing with the stress of day-to-day obligations. They are helpful, safe spaces where you live while in treatment. Some programs are shorter, lasting between 30 to 90 days, while more intensive programs can last anywhere from 6 months to a year. These programs allow you to participate in individual and group therapy while learning new life skills to cope with stressors and triggers and support your recovery long-term.
Outpatient rehab or therapy: Outpatient programs allow you to live at home while seeking treatment. There are many different types of outpatient programs. Most include therapy in individual and group settings, peer support groups, and counseling focused on building skills to prevent relapse.
Intensive outpatient programs (IOP): Similar to outpatient programs, you can still live at home and tend to your responsibilities, such as family or work. These programs are more rigid and require you to attend a certain number of times per week.
Partial hospitalization programs (PHP): PHPs are facilities that require you to attend treatment about 5 to 7 days a week while living at home.

Coverage for each of these treatment options will vary based on the type of Federal Blue Cross Blue Shield plan you have. Depending on your plan, all of your costs for substance abuse treatment could be covered. If you choose an in-network provider, at least some costs will be covered, but you may have to pay for copays and deductibles.

BCBS Federal currently offers the following plans to support different budgets and needs:⁴

Standard option: The Standard Option allows you to see any provider, even if they are outside of your network. You’ll pay a deductible, copays, and coinsurance out of pocket.
Basic option: The Basic Option has no deductible, but you must see preferred providers in your network. Most out-of-pocket costs are copays.
FEP blue focus: With this plan, you must see a preferred provider and pay a deductible, copay, and coinsurance out of pocket.

Each plan offers worldwide coverage, wellness rewards and discounts, and free preventive care from in-network preferred providers. Out-of-pocket costs and the level of coverage will vary based on your specific plan and the type of treatment you choose. Be sure to check with your insurance provider to verify what’s covered under your Federal Blue Cross Blue Shield plan.

Does Federal BCBS Insurance Cover Inpatient Mental Healthcare Treatment Facilities?

It is very common to struggle with a mental illness along with alcohol or substance use disorder. This is called a “dual diagnosis.” Someone struggling with substance use disorder is often diagnosed with mental health disorders such as depression, anxiety, post-traumatic stress disorder (PTSD), bipolar disorder, and attention deficit hyperactivity disorder (ADHD).⁵ Almost half of the 21 million people struggling with addiction also have at least 1 mental health disorder.⁵

The onset of dual diagnosis can start with either illness. Some become addicted to alcohol and drugs by trying to alleviate the symptoms of their mental illness through self-medicating.^{5 Does One Cause The Other?} Others develop mental illnesses from prolonged use of alcohol and drugs.

Seeking treatment in an inpatient mental health facility where both illnesses can be addressed can be very beneficial for people who suffer from co-occurring disorders.^{5 What Should I Do?} Addressing both disorders together tackles the issue as a whole and increases your chances of staying sober after recovery.^{6 Points to Remember}

Federal Blue Cross Blue Shield insurance covers at least some of the costs for inpatient mental healthcare facilities. Under the 10 essential health benefits highlighted by the Affordable Care Act, coverage for mental health care and treatment is mandatory.⁷ This means that treatment for co-occurring disorders and independent heroin rehab must be at least partially covered by your insurance.

Does Federal BCBS Cover Alcohol and Drug Detox?

When someone decides to stop using substances, they may have to undergo an alcohol or drug detox. Medical detox is the process of eliminating harmful substances from a person’s body. Detoxing alone can be dangerous, especially with severe addictions to opioids or alcohol.⁶

Detox centers provide a safe and supportive space where people can withdraw from substance abuse under the supervision of healthcare professionals. Healthcare professionals may administer certain medications to aid in the withdrawal process and stop cravings.

Federal Blue Cross Blue Shield insurance generally covers at least some part of the costs for medical detox treatment since detox treatment needs to be facilitated and supervised by a healthcare professional. The level of coverage will vary based on your insurance plan.

Does Federal BCBS Provide Rehab Coverage Nationwide?

Federal Blue Cross Blue Shield will cover at least some of the costs for rehab at different facilities nationwide. American Addiction Centers provides access to high-quality inpatient and outpatient programs covered through BCBS Federal. Top-notch facilities covered by BCBS Federal include:

River Oaks Treatment Center: River Oaks Treatment Center is a well-renowned treatment facility with outstanding care and excellent staff who will make you feel welcomed and supported.
Sunrise House Treatment Center: This treatment center provides comprehensive treatment options varying from individualized treatment to long-term care plans.
AdCare Rhode Island: Located in North Kingstown, Rhode Island, this facility offers a supportive environment using evidence-based treatment.
Oxford Treatment Center: The Oxford Treatment Center is a great choice for exceptional substance abuse treatment in a comfortable environment.
Laguna Treatment Hospital: With high-quality substance abuse treatment plans, this Southern California facility offers a collaborative environment where you’ll feel supported.
Greenhouse Treatment Center: Greenhouse Treatment Center is an excellent option for those suffering from co-occurring disorders, providing individualized treatment plans along with addiction treatment services.
Desert Hope Treatment Center: Located in Las Vegas, this facility offers assistance with drug and alcohol detox along with individualized treatment plans.

How Long Does Federal BCBS Insurance Cover Inpatient Alcohol and Drug Rehab Program?

The amount of time you spend in treatment is critical to how effective and efficient your treatment will be.⁶ Everyone’s needs are different, and no one treatment will work for everyone. Long-term treatment and follow-up are necessary even after you’ve recovered to aid in preventing relapse.

You may wonder how long Federal Blue Cross Blue Shield insurance will cover your inpatient alcohol and drug rehab program. This will depend on your specific plan. Because there are so many different tiers of coverage and policies, the length of time covered will vary.

For information on your plan, you can call the number on the back of your insurance card or reach out to AAC by phone or online for assistance.

What if my Federal BCBS Policy Does Not Cover an Inpatient Drug Rehab Program?

There is a chance that the provider you choose won’t be covered by your Federal BCBS policy. Don’t let this discourage you from seeking treatment. Several financing and scholarship options for inpatient drug rehab programs are available through federal and state governments as well as different nonprofit organizations and corporations. Some individual rehabs even offer scholarships for those seeking help.

A few options for grants, scholarships, and financial assistance are:

Government-funded programs: Block grants are offered by the Substance Abuse and Mental Health Services Administration (SAMHSA). These grants assist people with finding addiction treatment. People who are most at risk for substance abuse, IV drug users, mothers or expecting mothers, and those struggling with addiction are all considered for this grant.
The Affordable Care Act (ACA): The ACA offers subsidies to people who are seeking treatment with low or no income.
S. Department of Veterans Affairs (VA): The VA provides financial assistance to veterans suffering from substance abuse disorder.
State-funded rehabs and local assistance: You can also seek assistance from your state or local community. Many states fund detox and addiction treatment programs. Some local organizations offer full or partial scholarships where some or all of the costs for treatment will be covered.
Loans and financing: Bank loans and personal loans can also help with financing your journey to recovery.

When it comes to recovery, your options aren’t limited. Getting treatment as soon as possible is your best choice, rather than putting it off for another day.

Federal BCBS In-Network vs. Out-of-Network Inpatient Drug Rehab Centers

Always remember to check whether a program you are interested in is in your network. When a program is in your network, at least some of the costs will be covered by BCBS Federal. If you choose a program that is outside of your network, you’ll likely have to cover all costs on your own.

As mentioned above, what is covered under your insurance will depend on your specific plan. You can check whether a provider is in or out of your network by calling the number on the back of your insurance card or reaching out to AAC online or by phone.

Rehabs That Take Blue Cross Blue Shield Insurance

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Blue Cross Blue Shield insurance plan, the following AAC facilities accept Blue Cross Blue Shield for drug and alcohol addiction rehab.

AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as offering a full continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, and tele-health.
Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and tele-health, all in a luxurious setting with high-end amenities.
Laguna Treatment Hospital: Located in Orange County, California, Laguna is a chemical dependency recovery hospital that focuses on treating people who are medically compromised and need 24/7 oversight. Provided care includes detox services, residential treatment, dual-diagnosis treatment inpatient treatment, and intensive outpatient services.
Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and tele-health, all with individualized treatment programs.
Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Blue Cross Blue Shield insurance.

How to find Federal BCBS covered Inpatient drug treatment centers?

If you’re seeking an inpatient drug treatment center that is covered by Federal Blue Cross Blue Shield, AAC can verify your insurance coverage for you. Call our helpline to speak directly with a representative who can check your benefits while you’re on the phone.

Thousands of people are financed through Federal BCBS for inpatient rehab services every year. If you’re ready to seek help, we’re here for you.