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

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Blue Cross Blue Shield of Illinois offers behavioral health services for those who are struggling with drug and alcohol abuse. BCBS of Illinois covers a range of services including the following:^1(top)

Drug and alcohol treatments
Behavioral health services
Crisis response intervention

Within each of these categories are other additional services that you would have access to also. The only types of treatments that may not be allowed by Blue Cross Blue Shield of Illinois substance use treatment coverage are things, such as: ^1(top)

Hypnotherapy.
Biofeedback.
Experimental procedures.
Services from non-licensed providers.

If you’re unsure about what your Blue Cross Blue Shield Illinois mental health coverage will take care of, you can contact the rehab facility. The admissions navigator will check your Blue Cross Blue Shield of Illinois coverage based on the information you provide. Additionally, you can call the number on the back of your insurance card for more information about your specific plan.

How to Find BCBS of Illinois Covered Inpatient Drug Treatment Centers in IL?

You can reach out to American Addiction Centers (AAC) to verify your insurance coverage for you. Call the Blue Cross Blue Shield of Illinois phone number and talk to the admissions navigator at the helpline. The individual there will check your benefits while you wait on the phone. Additionally, you can verify your insurance benefits through the chat line or fill out the form on this page.

What Is BCBS of Illinois?

Blue Cross and Blue Shield of Illinois is one of the largest healthcare companies in the state.² Founded in the height of the Great Depression in Chicago, Blue Cross of Illinois grew to what it is today, with approximately 8.1 million members. ² Their goal is to promote the health and wellness of their members by fostering greater access to health care. ²

With Blue Cross Blue Shield Illinois coverage, you have options for three different plan levels. These tiers are as follows:³

Bronze level, which contains eight different plans
Silver level, which contains six different plans
Gold level, which contains four different plans

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

The amount a Blue Cross Blue Shield of Illinois insurance drug treatment program will cover depends on various factors. For one thing, the tier level you have could play a role in your coverage amount.

Another issue that is important to consider is how much time you may need to be in treatment. The longer the time you need in treatment, the more insurance coverage you may need. Whatever tier level you do have, you should have at least some coverage for the following treatment programs:

Inpatient treatment program: Starting with an inpatient program is helpful for people who are beginning the recovery pathway. During this type of treatment regimen, you will have close monitoring and supervision by clinical professionals. They will assist you with the withdrawal and ensure you are going through the process safely. An inpatient program involves staying overnight for several weeks or months.^4(inpatient)
Partial hospitalization program (PHP): A PHP is a program that consists of an intense level of treatment that is like inpatient treatment. There will be therapists and medical professionals nearby during the program. With IOP, you will go home after the daily sessions.^{5(pg. 10)}
Intensive outpatient program (IOP): An IOP is outpatient treatment but is more intense than a standard one. You will be in treatment for several hours a day.^{4(outpatient)}
Outpatient treatment program and therapy: An outpatient treatment program will be a helpful treatment for those who’ve been through a more intense program and are now on their own. It consists of therapy about once a week.^{4(outpatient)}

Does Blue Cross Blue Shield of Illinois Provides Coverage for Mental Health Treatment Facilities?

If you have a co-occurring disorder diagnosis, then you have both a substance use and mental health disorder at the same time.⁶ Having these two conditions co-occur is more common than you think.⁶ Blue Cross Blue Shield addiction treatment that offers mental health coverage will provide treatment for both conditions in tandem. This method of treatment is recommended for a co-occurring disorder.⁶

The reason people may struggle with a co-occurring disorder varies. Every person is unique; so, there is no particular cause that leads to one or the other occurring.⁶ However, if you have one of the conditions, you are more predisposed to having the other one.⁶

When you are preparing to begin the admissions process for treatment, you can check with the BCBS of Illinois substance use treatment facility to see if they offer a dual diagnosis treatment program. Participating in a specialized treatment program may be the best option to move forward to healthy living and sobriety. You can minimize the risk of relapse with the proper treatment.⁶

Since Blue Cross Blue Shield of Illinois drug treatment programs are considered marketplace plans, you will be able to get all the benefits that come with them. The marketplace plans follow the mandates and guidelines of the Affordable Care Act (ACA), which states that it must provide essential health benefits. Essential health benefits include mental health care and substance use treatment.⁷

Does Blue Cross Blue Shield of Illinois Cover Addiction Treatment Therapies?

As part of your Blue Cross Blue Shield Illinois plan, you will have coverage for behavioral healthcare. This includes evidence-based therapy treatment. Some of the commonly used therapies are as follows:⁸

Cognitive-behavioral therapy
Motivational enhancement therapy
Contingency management interventions
Community reinforcements
The Matrix Model program
12-step program
Family therapy

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

How long your Blue Cross Blue Shield of Illinois drug detox treatment will cover depends on your specific policy. Keep in mind that there are several different tier levels, and each one has additional policy levels. This allows for a wide variety of options. You can check what tier level or policy type you have by looking at the back of your BCBS of Illinois insurance card.

The amount of time you require is more important than anything else because you want to be sure you have adequate treatment time for healing. According to the experts in the field, three months is the minimum amount of time you should have for best results.⁹

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

If you find that your Blue Cross Blue Shield Illinois therapy coverage doesn’t provide for inpatient rehab or there are not adequate provisions for a full course of treatment, you can take other steps to pay for treatment.

Many Blue Cross Blue Shield of Illinois drug treatment providers will provide financial assistance to eligible people. This financial assistance may come in the form of financial aid, scholarships, or other reductions in costs. Some drug treatment centers in Illinois offer free rehab for those who meet the eligibility criteria.

Whatever your financial needs are, it’s best not to push off seeking help. Act to better your health and future.

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

When you receive services at one of the in network Blue Cross Blue Shield of Illinois insurance rehab centers, you may get services at a reduced rate. This occurs because they have a contract to perform services at a reduced rate.¹⁰

Facilities and doctors that don’t have a contract with Blue Cross Blue Shield of Illinois insurance rehab are considered outside of the provider network. As a result, they won’t be able to offer the same rates to the facilities or to you. That’s why it’s always best to check with Blue Cross Blue Shield of Illinois insurance rehab to find out if they are in network before beginning the admission process.

Which Rehab Centers Take Blue Cross Blue Shield of Illinois?

BCBS of Illinois members have access to a large network of healthcare providers in Illinois and beyond, including those who offer treatment for substance use disorder. American Addiction Centers has several rehab facilities in the United States that accept BCBS insurance, including:

AdCare Rhode Island: Located in Rhode Island, AdCare provides high-quality, evidence-based addiction treatment in a supportive environment.
Desert Hope Treatment Center: Located in sunny Las Vegas, Desert Hope Treatment Center provides a high level of care and individualized treatment plans to help address addiction and co-occurring mental health disorders.
Greenhouse Treatment Center: This Dallas, Texas, rehab facility provides a wide variety of addiction treatment services and individualized treatment plans for people with addiction and co-occurring mental health disorders.
Laguna Treatment Hospital: Located in Orange County, California, Laguna Treatment Hospital provides high-quality addiction treatment and care in a supportive environment with staff available around the clock.
Oxford Treatment Center: Located in Etta, Mississippi, Oxford Treatment Center provides high-quality drug and alcohol addiction treatment in a serene environment.
River Oaks Treatment Center: This Riverview, Florida, treatment center has advanced accreditations and professional staff who provide the highest level of care.
Sunrise House Treatment Center: Located in Lafayette, New Jersey, Sunrise House Treatment Center is a premier addiction center that provides a comprehensive continuum of care and individualized treatment plans.

American Addiction Centers is committed to helping individuals struggling with drug or alcohol use break the cycle of addiction. If you have questions about addiction treatment or want to know what your BCBS insurance covers, you can contact us at . Our admissions navigators are available around the clock to provide resources, offer support, and assist you with the admissions process when you’re ready.