Does BCBS of Tennessee insurance cover Inpatient Alcohol and Drug Rehab Centers?
Tennessee is the land of beautiful waterfalls, winding caves, and of course, the Smoky Mountains. In a state full of such natural wonders, it can be frustrating and isolating to struggle with substance use.
However, you’re not alone. The key is to get the treatment you need to break free. But how can you afford it?
If you have Blue Cross Blue Shield of Tennessee, your health insurance plan can help you pay some or all of the cost of rehab. The Affordable Care Act (ACA) requires all long-term health insurance plans to cover 10 essential health benefits, which include mental health and substance use treatment.1, fifth bullet
However, every BCBS Tennessee plan is different, and it’s important to understand the details before you commit to a treatment program. You can get the information you need by calling the number on the back of your insurance card or by contacting American Addiction Centers (AAC) by phone or online.
We’re here to help you understand how to use your Blue Cross Blue Shield of TN coverage to get the care you need.
How to find BCBS Of Tennessee covered Inpatient drug treatment centers in TN?
Using your insurance to get medical care shouldn’t be challenging, but it sometimes is. Figuring out which providers to use so you can maximize your coverage takes some research.
Fortunately, you don’t have to do the research yourself. When you contact AAC any time of day or night, our admissions navigators can verify your insurance in just a few minutes while they talk to you. They can also answer any questions you have about rehab.
AAC is proud to run a variety of high-quality treatment programs throughout the country.
For example, Oxford Treatment Center in Mississippi helps you create new habits and recover from substance use while also connecting you with nature and helping you try new, fun activities.
You deserve a happy, healthy life where you can pursue your dreams. Take the first steps by contacting AAC today or filling out our contact form below.
What is BCBS Of Tennessee?
Many people think that Blue Cross and Blue Shield are a single company, but the truth is that the insurer is an association of 34 independently owned and operated companies.2, first paragraph The group covers one-third of Americans in the 50 U.S. states, DC and Puerto Rico.2, first paragraph
In Tennessee, the BCBS company is known simply as Blue Cross Blue Shield of Tennessee. BCBS of Tennessee covers 3.28 million members, and over 12,000 Tennessee employers offer BCBS coverage to their employees.3, Fulfilling our mission
BCBS of TN has a network of over 54,000 providers, which can help you find the care you need more easily.3, Fulfilling our mission The company also strives to provide a great work environment for its employees, winning awards for employer excellence and commitment to diversity.3, Awards
How Much Does BCBS Of Tennessee Cover (Addiction Treatment)?
Your Tennessee drug rehab coverage will vary depending on your specific plan. There’s no approach to substance use treatment that works for everyone, and your insurance will focus on covering the medically necessary and evidence-based care recommended by your doctor.
Work closely with your doctor to set up a personalized plan that will help you break free from substance use. Some of the most common treatment approaches include:4,5
- Inpatient rehab. Inpatient care is helpful for those looking to get away from their home environment and focus on sobriety. During inpatient care, you will live at the treatment center full-time and receive around-the-clock care. You will receive a combination of group and individual therapy, as well as educational programs and medication management (if required). Inpatient care allows you to leave your usual environment and start fresh.
- Outpatient rehab. Outpatient treatment centers offer a wide variety of services, including drug use education, individual and group counseling, and teaching participants how to face challenges without substances. This care is typically a few hours a week, which makes it a more manageable commitment for those with busy lives. Outpatient treatment can be a starting point for treatment or can be used as a follow-up after inpatient treatment.
- Intensive outpatient programs (IOP). IOPs focus on building skills and habits needed to live without substance use, and it offers courses to address the issues that may move you toward substance use. It is an outpatient program, meaning you go home each night, and typically runs a few days a week for 2 to 3 hours a day. It’s a more focused and structured form of outpatient treatment.
- Partial hospitalization programs (PHP). PHPs offer care for those who need more support than outpatient services can provide, but don’t need to live in a treatment facility to successfully recover from substance use. They provide one-on-one therapy, group therapy, family meetings, medical services, and treatment of co-occurring mental health disorders. Attendees typically spend 5 days per week at the center for up to 6 hours each day.
Regardless of what type of treatment your doctor recommends, what’s essential is that you finish your treatment plan completely. It can be tempting to quit early when you start feeling stronger, but you need to continue to learn new skills and practice what you’ve learned in a safe environment. That’s what will give you the best chance of long-term recovery.
Does Blue cross blue shield of Tennessee provides coverage for mental health facilities?
Struggling with your mental health is often isolating because it doesn’t feel like you can talk to anyone about it. However, you’re far from alone. Research shows that 50% of those who struggle with substance use also have a mental health diagnosis, which is known as a co-occurring condition.6, second paragraph
If you have a co-occurring condition, it’s important to treat your mental health concerns and substance use together, rather than only one or the other. This kind of integrated treatment is shown to have far better results.7, first paragraph
Will your Tennessee drug rehabilitation coverage through BCBS also cover your mental health treatment? Yes — because both mental health and substance use treatment are part of the 10 essential health benefits in the ACA, you can trust that your BCBS coverage will cover at least some of the cost.
Of course, the requirements and limitations will vary from plan to plan, so be sure you understand what your specific Blue Cross Blue Shield Tennessee mental health coverage includes before you commit to a program. You can call the Blue Cross Blue Shield of Tennessee phone number or contact AAC anytime, 24/7.
How Long Does BCBS Of Tennessee Insurance Cover Alcohol and Drug Rehab programs?
How long does rehab last? There’s no answer that applies to everyone, and your treatment program will be personalized to your needs.
However, research shows that most people need at least 90 days to make a significant change in their substance use habits, including stopping using. That’s why many treatment programs are at least three months long.
Your personal plan may be longer than three months, depending on your needs. It may also combine a variety of treatment programs, such as an inpatient treatment program followed by outpatient treatment.
The most important thing is that you finish your personal treatment plan completely. Your needs are unique, and comparing yourself with others isn’t helpful. Instead, finish your treatment plan to the very end so that you can enjoy a successful long-term recovery.
What if my BCBS Of Tennessee policy does not cover an Inpatient drug rehab program?
As you learn how to maximize your Blue Cross Blue Shield Tennessee coverage, you may find that your insurance plan pays only part of the cost of rehab, and you have to cover the rest.
Or you might be interested in a program that isn’t part of the BCBS of Tennessee rehab center network. That may mean you’re facing paying the full cost of treatment yourself.
Don’t let these financial situations hold you back from getting the treatment you need. There are a lot of options when it comes to paying for rehab, and your insurance is only part of the puzzle.
Some treatment centers might have a sliding scale of fees based on your income, for example. Or you might be able to work out a payment plan for your portion of the costs of treatment.
Some treatment programs offer scholarships, or you might borrow money from family and friends. One thing is certain — when you are substance-free, you’ll be more productive, focused, and better able to manage your financial situation.
Don’t let the cost of treatment cause you to delay getting the help you need. Substance use has long-term physical and legal consequences, and you want to break free before it’s too late.
BCBS Of Tennessee In-Network vs. Out-of-Network Inpatient Drug Rehab Centers
As you look at different treatment center options, you’ll notice that some of them are “in-network” with Blue Cross Blue Shield of Tennessee substance abuse treatment coverage, while others are “out-of-network.”
What does that mean? All health insurance plans have a group of doctors and facilities who agree to offer care to plan members at a lower cost.9, p. 1 What’s a Provider Network This group is the insurance plan’s “network” and the insurer encourages plan members to see them over other providers.9, p. 1 What’s a Provider Network
When you use a doctor or facility in the plan network, you save money.9, p. 2, Why do some plans… However, many insurance plans offer little or no coverage if you use a provider outside the network, which may mean you pay the full cost yourself.9, p. 2, Why do some plans…
To maximize your insurance coverage, try to choose one of the Blue Cross Blue Shield of Tennessee insurance rehab centers that are in-network. If you can’t, however, don’t panic. As we mentioned, there are other options available when it comes to paying for treatment.
You deserve a happier, healthier life free of substance use. We are here to help you. To take the first step on your journey to a better life, contact us today.
Rehabs That Take Blue Cross Blue Shield of Tennessee 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.