Does Premera BCBS insurance cover Inpatient Alcohol and Drug Rehab Centers?

Dealing with an alcohol or drug use disorder can be challenging if you don’t have the support you need. However, with Premera BCBS alcohol and drug coverage, you can receive mental health and substance abuse assistance.¹ Premera insurance provides “Care Essentials” coverage.¹ Within that category are services for mental health.¹ If you’re unsure about the rehab facility accepting Premera BCBS, call them first to find out. An admissions navigator will verify your insurance while you wait on the phone.

Additionally, American Addiction Centers (AAC) has several quick and seamless ways for you to obtain insurance verification. You can contact the AAC helpline for details about Premera BCBS drug treatment providers that are in network with your insurance. Or you can fill out the form on this page for an immediate response.

If you prefer to chat online, you can begin a chat session now about Premera BCBS addiction treatment. Finally, you can also look on the back of your card for more information about your plan and what it covers.

What is Premera BCBS?

Premera BCBS provides healthcare services and plans that are focused on preventive medicine, management of disease, and customized programs for people.² They are the largest health plan in the Pacific Northwest and service Washington and Alaska. ² They serve over 2.6 million members and have a wide network of Premera Blue Cross Blue Shield providers. ²

Premera BCBS insurance offers a wide variety of plans for members, which ensures that each person has the type of services and premium they want. These plans include:³

• Individual EPO, EPO/HSA, and PPO coverage.
• Medicare Advantage coverage with Premera Blue Cross and HMO.
• Group coverage options.

How Much Drug Treatment Does Premera BCBS Cover?

Premera BCBS substance abuse treatment coverage helps its members with drug treatment. There are various types of treatment levels that you may encounter before you are done with a rehab program. The amount of your Premera BCBS substance abuse coverage will depend on the exact policy you have and how long you need to stay in the facility. Some people require longer stays than others due to their substance use or a co-occurring mental health disorder.

Once you determine the kind of Premera BCBS drug treatment you need, you can discuss the insurance options with the admissions navigator at the rehab facility. They can let you know if your plan is in network with the facility. If so, you can count on Premera BCBS in-network drug treatment to cover at least some of the following:

• Inpatient treatment program: An inpatient treatment program is the most intensive rehab program that you can be admitted to. It’s an excellent place to begin treatment after detox, providing you with solid support from medical professionals. You’ll have therapeutic support throughout your stay in the rehab that is overnight. An inpatient program can last for several months, helping you gain stability before you return home. ^4(inpatient)
• Partial hospitalization program (PHP): PHP is also an intense treatment program with many professional supports in place while you recover. The main difference with this program is that you will go home each night, which means you should have a supportive home life. You want to be sure you can maintain sobriety during the overnight hours while you’re away from treatment.^{5(pg. 10)}
• Intensive outpatient program (IOP): During IOP, you’ll get even more time at home because this is an outpatient program. However, you will attend several hours a day for several days a week. This can give you the extra support you need as you start to become more independent. ^{4(outpatient)}
• Outpatient treatment program and therapy: During an outpatient treatment program, you are ready to live life on your own but will still have the weekly support system to fall back on. Help comes during your outpatient treatment in the form of evidence-based therapy sessions.^{4(outpatient)}

Does Premera BCBS Insurance Cover Mental Health Care treatment facilities?

Many Premera BCBS substance abuse providers will also provide treatment for mental health disorders. Oftentimes, people who have a substance use disorder also have a co-occurring mental illness.⁶ Co-occurring disorders are common among people with substance misuse problems.⁶ If you are dealing with one or the other, you are more predisposed to having a dual diagnosis.⁶

In some instances, people with mental illnesses may self-medicate, and that leads them to substance abuse.⁶ Other people may develop mental illness after prolonged use of substance abuse.⁶

If you are dealing with a co-occurring disorder, it’s best to tackle the problems simultaneously, versus just one at a time.⁶ This will reduce your chances of a relapse by addressing both issues.⁶

Check with the Premera BCBS substance abuse treatment facility to be sure they offer co-occurring disorder treatment. If so, you can access your Premera BCBS drug rehab insurance to assist with the cost. Under the Affordable Care Act (ACA), marketplace insurance plans must provide members with access to both mental health and substance use disorder treatment.⁷ You can’t be discriminated against because of your mental health needs.⁷

How Long Does Premera BCBS Insurance Cover Inpatient Alcohol and Drug Rehab program?

A Premera BCBS drug rehab program typically varies based on individual needs. Some people require longer times in treatment than others. If you have existing mental health issues, a longer stay may be beneficial. Or if you were using a substance extensively, you may need a longer time in inpatient rehab. Most experts say that the minimum amount of time that you should have in one of the Premera BCBS insurance rehab centers is 3 months.⁸

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

Some people may find that their Premera BCBS mental health coverage doesn’t take care of an inpatient drug rehab program. As noted earlier, there are various insurance policy levels you might have, which can impact the type of coverage you have. So, what should you do if you discover your specific policy doesn’t take care of inpatient rehab? How can you pay for rehab?

You can contact some of the Premera BCBS rehab facilities in your area and inquire about their financial aid options. Some Premera BCBS insurance drug treatment programs provide scholarships, financial aid, or sliding scale fee options. You may be able to go to rehab for free in some cases. It’s better to check with the rehab centers and find out instead of delaying treatment. Don’t push your health off to a later time.

Premera BCBS In Network vs. Out of Network Inpatient Drug Rehab Centers

An in-network provider refers to a certain group of doctors, hospitals, and other healthcare providers that are available at a contracted price. They are considered “your network.” ^{9(in-network)} Premera BCBS rehab centers that are part of this network will typically cost you less in the end, since you pay a portion of the costs of your medical care. ^{9(in-network)}

When you use services that are out of the network, it will cost more because they don’t have the contracted price with your insurance. ^{9(in-network)} They may not even be covered by your plan at all. ^{9(in-network)}

Which Rehab Centers Take Blue Cross Blue Shield?

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.

How to find Premera BCBS covered Inpatient drug treatment centers?

Reach out to American Addiction Centers (AAC) to verify your insurance coverage immediately. They will also help you find an addiction treatment plan that suits your needs. You can contact the AAC Premera insurance rehab helpline and speak to an admissions navigator anytime. They will direct you to a top-quality facility near you.

AAC operates leading treatment centers across the nation that offer a continuum of services to aid in the healing process. Begin the journey to sobriety today!