Find Alcohol & Drug Rehabs that Accept BlueCross BlueShield Insurance

Levels of Care BCBS Typically Supports

While exact benefits depend on your plan, BCBS generally provides coverage for multiple levels of addiction treatment when medically necessary:

• Detoxification: Medically supervised withdrawal management for alcohol or drugs.
• Inpatient / Residential Treatment: 24-hour structured programs for moderate to severe SUDs.
• Partial Hospitalization & Intensive Outpatient Programs (PHP / IOP): Step-down treatment programs offering high support while allowing daily living.
• Outpatient Treatment & Aftercare: Ongoing therapy, group counseling, relapse prevention and maintenance.
• Medication-Assisted Treatment (MAT) and Dual Diagnosis Care: Use of FDA-approved medications (e.g., Suboxone, Vivitrol) and integrated treatment for co-occurring mental health and substance use disorders.

Network Status & Cost Expectations

In-Network vs Out-of-Network:

• Using in-network providers typically results in lower deductibles, lower coinsurance, and smoother claims processing.
  
• Out-of-network treatment may still be available (especially with PPO plans), but often means higher cost-sharing and more limited benefits. 

Cost factors to consider:

• Your deductible: The amount you must pay out-of-pocket before insurance contributions apply.
  
• Copays or coinsurance: Even after the deductible is met, you may pay a flat fee or portion of the service cost.
  
• Treatment level: Residential programs are typically more expensive than outpatient options.
  
• Plan design and network status: A high-premium, low-deductible plan may cost more monthly but reduce out-of-pocket for treatment; out-of-network care may trigger more cost.
  

Steps to Verify Your BCBS Addiction Treatment Benefits

Before entering a program, it’s essential to verify your BCBS benefits thoroughly. You should:

1. Call the phone number on the back of your BCBS insurance card and ask specifically about substance use disorder benefits, in-network rehab providers, prior-authorization requirements, and out-of-pocket cost, including deductible and coinsurance.

2. Log into your BCBS member portal and review the behavioral health/substance use sections of your plan summary.

3. Ensure the treatment facility is in-network (or confirm out-of-network benefits if applicable).

Work with a specialist (such as Better Addiction Care) who can assist you in verifying coverage, seeking pre-authorization, estimating costs, and selecting an appropriate program.

Begin Your Recovery Journey

Having BCBS insurance makes treatment more accessible—but verifying coverage and choosing the right program matters.

Call Better Addiction Care today or complete our confidential online form to verify your BCBS benefits, estimate your treatment costs, and explore addiction recovery options tailored to your plan and needs.