Does BCBS of Michigan insurance cover Inpatient Alcohol and Drug Rehab Centers?

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In Michigan, substance use disorder makes up 3.2% of the adverse health problems in the state, and alcohol use disorder accounts for 3.4% of the adverse health challenges of the population.^{1(search state)}

With a Blue Cross Blue Shield of Michigan insurance plan, you can seek treatment for either of these issues. Through BCBS Michigan, you have access to a behavioral health support network.² You can contact a rehab facility near you to find out if they are in network with Blue Cross Blue Shield of MI. Talk to an admissions navigator about your options for a drug or alcohol addiction health treatment plan using your BCBS of MI plan.

How to find BCBS Of Michigan covered Inpatient drug treatment centers in MI?

American Addiction Centers (AAC) is a leading provider of drug and alcohol treatment in the United States, with locations nationwide. When you’re searching for drug and alcohol treatment centers in Michigan, be sure to connect with AAC for a head start in getting your insurance verified and finding a top-quality rehab facility.

There are several ways you can connect with an admissions navigator who will facilitate the process for you. These include:

Call the AAC helpline.
Use the chat feature to instantly communicate with a live agent.
Fill out the form on this page to get an immediate answer.
Call the Blue Cross Blue Shield of Michigan phone number on the back of your insurance card.

Most of these options will only take a few minutes, and then you can start the admissions process.

What is BCBS Of Michigan?

Blue Cross Blue Shield of Michigan has been around for decades. It got its roots in 1938 with the forming of the Michigan Society for Group Hospitalization.^{3(2nd section)} By 1940, the organization had 175,000 members and 350 employers. ^{3(2nd section)} The insurance company changed its name to Michigan Blue Cross and Michigan Blue Shield. ^{3(2nd section)}

As it continued to grow and evolve, offering more health services to members, including Medicare, it changed its name again, becoming Blue Cross Blue Shield of Michigan in 1975. ^{3(2nd section)}

Now, BCBS of MI has over 4 million members, 144 in-network hospitals, and 25,000 primary care physicians.⁴

How Much Does BCBS Of Michigan Cover (Addiction Treatment)?

Blue Cross Blue Shield of Michigan insurance drug treatment programs may cost varying amounts depending on what your copays, coinsurance, and deductibles are. Another factor that could impact the cost is the policy tier level you have. It’s also important to consider how long you will stay in one of the BCBS of Michigan rehabilitation centers. The length of time you are in recovery will go into the price of rehab. However, your Michigan drug rehab insurance should kick in to help defray these costs.

You should be aware that many Michigan drug rehabilitation centers offer varying levels of treatment that make up the entire recovery experience. The continuum of treatment services may be necessary for you to complete a thorough regimen of care. However, some people may only require 1 or 2 treatment programs.

An admissions navigator can explain the different treatment levels offered at the Blue Cross Blue Shield of Michigan drug treatment center of your choice. When you talk to the admissions navigator, they can also advise you which residential treatment centers in Michigan are in network with your insurance. Your Blue Cross Blue Shield addiction treatment insurance should help pay for some of the following:

Inpatient treatment program: An inpatient treatment program is the highest level of treatment at a BCBS of Michigan treatment center. It incorporates therapeutic care and 24/7 monitoring in a residential setting. You can stay in this therapeutic community for a short or a long period, depending on your unique needs. ^5(inpatient)
Partial hospitalization program (PHP): A PHP is considered the next step down in treatment. It offers a high level of treatment in a similar setting, with professional people surrounding you. You will get oversight and monitoring to ensure comfort while you transition from substance use to sobriety. You will return to your own home in the evening. ^6(pg.10)
Intensive outpatient program (IOP): At an IOP, you will begin to test your independence as you go home for more hours but still have plenty of therapy time. This outpatient program provides treatment for several hours a week. ^{5(outpatient)}
Outpatient treatment program and therapy: Once you reach an outpatient treatment program, you are nearing the time for fully independent living. However, it’s always best to have a support system in place. That’s why an outpatient program may be best for those who have gained the tools for successful living but benefit from relapse prevention support.^{5(outpatient)}

Does Blue Cross Blue Shield of Michigan provides coverage for mental health facilities?

Some Blue Cross Blue Shield of Michigan insurance rehab centers offer dual diagnosis treatment. This type of treatment is for those who have a substance use and a mental health disorder occurring simultaneously. These conditions are referred to as co-occurring disorders and are common among people with either of the listed issues.⁷

For some people, it was mental illness that led to them using substances to self-medicate.⁷ Others used substances with no known mental illness but developed symptoms of a mental health disorder later.⁷

Whichever way it occurs, obtaining co-occurring disorder treatment is the best way to get thorough care.⁷ This helps minimize your chances of relapse since you will be tackling both disorders simultaneously.⁷

You can check with various Blue Cross Blue Shield of Michigan drug treatment providers to find out which ones offer co-occurring disorder treatment before scheduling the admissions.

Under the Affordable Care Act (ACA), marketplace insurance plans can’t discriminate against you for having either a substance use or a mental health disorder. ⁸ You have the right to healthcare either way. ⁸ Provisions are in the law for all healthcare members to receive essential health benefits, which include access to mental health and substance use disorder treatment.⁸

Does Blue Cross Blue Shield of Michigan cover addiction treatment therapies?

Blue Cross Blue Shield Michigan therapy coverage falls under the BCBS behavioral health section of your insurance.² There are several features to this part of your plan, depending on your exact policy.² Therapy is a covered expense, but you need to check to see which plan you have to determine if there are copays or limitations.² The different plans that fall under the behavioral health for BCBS of MI include:^{2(in person)}

Blue Cross PPO.
Blue Care Network HMO.
Medicare Plus Blue PPO.
Blue Care Network Advantage.

Some of the common therapies that you may participate in include:⁹

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 Michigan Insurance Cover Alcohol and Drug Rehab programs?

Everyone’s drug and alcohol rehab Michigan journey is different. So, no precise length of time will fit everyone’s needs. The length of time that your insurance will cover is dictated by what policy you have and if there are any restrictions. However, it is recommended that you stay in an inpatient rehab program for at least 3 months.¹⁰ This will help you get past the more difficult part of withdrawal and recovery.

What if my BCBS Of Michigan policy does not cover an Inpatient drug rehab program?

If by some unusual instance, your Blue Cross Blue Shield Michigan mental health coverage does not cover inpatient drug rehab, you do have other ways to pay for treatment. Some Michigan substance abuse treatment centers provide reduced payment or even free, state-funded treatment for drug and alcohol misuse. Check with drug treatment centers in Michigan for details about financial aid, scholarships, and free programs they may offer. Don’t put off getting the help you need.

BCBS Of Michigan In Network vs. Out of Network Inpatient Drug Rehab Centers

When seeking treatment, be sure you check for a BCBS of Michigan rehab center that is in network. These facilities will have a contract with the insurance. So, you get the best cost. Your insurance may pay for the entire amount due to the contract. Out-of-network facilities may not be covered by your insurance.

Rehabs That Take Blue Cross Blue Shield of Michigan 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 Verify BCBS of Michigan Insurance Coverage of drug rehab centers?

Take the first step today and connect with a BCBS Of Michigan substance abuse treatment facility to start the admissions process. It’s easy to verify your insurance. Call American Addiction Centers (AAC), and they will give you an immediate answer today!