Does BCBS of Alabama Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

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For people who are struggling with an alcohol or drug addiction issue, Blue Cross Blue Shield of Alabama provides treatment coverage.¹ The amount of treatment that will be covered by your Blue Cross and Blue Shield of Alabama plan varies depending on the specifics of your policy. However, BCBS of Alabama does have behavioral health benefits, which include assistance with mental health services, chemical dependency, and alcohol and drug use services.¹

You can contact the rehab center you plan to attend and find out more information about what your specific plan will cover. You can also verify your in-network coverage with the facility before you make plans to go.

Additionally, BCBS of Alabama members can call the number listed on the back of the insurance card. The representative will give you more information about your policy and plan.

How to Find BCBS of Alabama Covered Inpatient Drug Treatment Centers in AL?

There are a variety of ways to verify your insurance benefits. One of the fastest and most streamlined ways to check your insurance is by contacting the American Addiction Centers (AAC) helpline or chatline. An admissions navigator will give you an immediate answer about your benefits. You can also fill out the online form on this webpage for an instant (and confidential) answer.

AAC has highly rated addiction treatment centers nationwide. You can find AAC rehabs in Alabama. Contact them for more information about a location near you.

What Is BCBS of Alabama?

Blue Cross Blue Shield of Alabama got its start in 1936.² Their mission was to provide quality, affordable healthcare during each pivotal stage of life.² Consequently, they made gains in the state and are now considered the no. 1 provider of healthcare in Alabama.²

With corporate headquarters located in Birmingham, BCBS of Alabama employs 3,300 people and provides coverage to over 2.8 million people.²

How Much Does BCBS of Alabama Cover (Addiction Treatment)?

Substance misuse treatment coverage from Blue Cross Blue Shield of Alabama provides an array of services and treatment for members. The amount of coverage you receive depends on what specific policy you have. Some people may have higher or lower deductibles, copays, and coinsurance and will pay according to their plan’s guidelines.

The first step is determining what type of treatment plan you require. Each person has unique needs. So, it is helpful to have a case manager help create the ideal treatment plan for you. You may begin at the most intensive therapy program, with a lot of oversight, and work your way down to a less restrictive environment. Some of the Blue Cross Blue Shield of Alabama insurance drug treatment programs that may be covered include:

Inpatient treatment program: Choosing an inpatient program is a good idea for people just beginning a treatment plan. It provides a residential or hospital-like setting where you can have 24/7 monitoring of your needs and condition. Qualified clinicians are there to offer support while you recover. Some inpatient programs use the therapeutic communities (TC) model as a guide for treatment.^3(inpatient)
Partial hospitalization program (PHP): A PHP is almost as intense as an inpatient program, but you will get to go home at night. This type of treatment program is recommended for people who have a supportive home environment. This ensures you are less likely to relapse when returning home each day.^{4(pg. 10)}
Intensive outpatient program (IOP): At an IOP, you are in an outpatient program that is conducted for several hours a day. It provides a more intense therapy program than standard outpatient.^{3(outpatient)}
Outpatient treatment program and therapy: A regular outpatient treatment program is usually the final step in the continuum of care. You’ll participate in evidence-based therapy sessions.^{3(outpatient)}

Does Blue Cross Blue Shield of Alabama Provide Coverage for Mental Health Treatment Facilities?

Co-occurring disorders are common among people with a substance use disorder.⁵ Mental health disorders often co-occur with drug or alcohol addiction.⁵ If you’ve been diagnosed with a mental health disorder, it’s more beneficial to seek treatment at one of the Blue Cross Blue Shield of Alabama insurance rehab centers that offer co-occurring disorder treatment.⁵ Getting mental health treatment in tandem with substance use treatment will assist in relapse prevention.⁵

Experts are not entirely sure why these 2 conditions are connected. They also can’t give a definitive answer on whether one condition causes the other. It appears that if you have a mental health disorder you are predisposed to substance misuse. ⁵

You can use your Blue Cross Blue Shield Alabama mental health coverage to access treatment for both conditions simultaneously. Under the Affordable Care Act, marketplace insurance providers are required to provide coverage for substance use and mental health disorders.⁶ So, whether you only need substance use treatment or treatment for both substance use and a mental health issue, you can access either one with BCBS Alabama.

How Long Does BCBS of Alabama Insurance Cover Alcohol and Drug Rehab Programs?

The length of time you stay in a Blue Cross Blue Shield of Alabama drug detox treatment or inpatient program will depend on your needs. Some people benefit from an extended stay in rehab. Even after you are done with an inpatient program, you may want to consider continuing an outpatient treatment program. This can assist with helping you stay on track.

Most experts recommend staying in an inpatient treatment program for at least 3 months. After that, you could switch to outpatient if you still need support.

The length of time your Blue Cross Blue Shield of Alabama insurance rehab will pay for treatment varies depending on what type of policy you have. You can find the Blue Cross Blue Shield of Alabama phone number on the back of your insurance card and inquire about the coverage times. However, here is an example of one type of Blue Cross Blue Shield substance abuse coverage. This policy covers the following for in-network inpatient services:^7(pg1)

100% of the allowed amount, subject to the following copays: $15 per day for days 10 to 14; $20 per day for days 15 to 19; $25 per day for days 20 to 24; $30 per day for days 25 to 30.
Covers up to 30 days per person each plan year.
Inpatient Substance Abuse limited to one admission per plan year and a maximum of two admissions per lifetime.
Benefits provided for PPO facilities that treat substance abuse.

What if My BCBS of Alabama Policy Does Not Cover an Inpatient Drug Rehab Program?

If you discover that you are out of benefits or for some reason, inpatient services are not covered by your insurance, you have another option. Reach out to one of the Blue Cross Blue Shield of Alabama drug treatment providers and ask if they offer financing, financial aid, or scholarship opportunities. They may provide other ways to pay for rehab that you hadn’t considered. Whatever you do, don’t delay your health and well-being.

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

Blue Cross and Blue Shield plans offer the largest provider networks across the country. As a Blue Cross and Blue Shield of Alabama member, you can reduce out-of-pocket expenses by getting treatment at a BCBS of Alabama substance use treatment facility.

With a wide range of providers in-network, getting treatment should not be a problem. In-network facilities help you maximize savings because they provide a reduced cost for services to the insurance. Blue Cross Blue Shield Alabama then passes these savings on to you. Going to an out-of-network treatment facility will cost you extra funds.

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.