Anthem Blue Cross Blue Shield is one of the biggest carriers of health insurance in the U.S. Blue Cross Blue Shield represents 36 locally and independently owned groups operated underneath various plan names. Through the Healthcare Marketplace, individuals are able to acquire Blue Cross Blue Shield coverage. However, many individuals have Blue Cross Blue Shield insurance coverage through company group coverage plans. Those in need of addiction treatment in Indiana who have Blue Cross Blue Shield coverage are likely to have their treatment covered.
At TruHealing Riverbend, we are dedicated to ensuring every individual has the opportunity to get the help they need for addiction today, which is why we work with Blue Cross Blue Shield and many other verified insurance providers for rehab.
Reach out to our team at 855.652.0546 or connect with us online to quickly verify your insurance.
Blue Cross Blue Shield Coverage for Addiction Treatment
Alcoholism was categorized as a disease via the American Medical Association in 1956, and 30 years later, addiction followed. In 2010, the Affordable Care Act increased the scope of behavioral health requiring advantages to cowl substance abuse treatment as well. Officially defined as a disease, dependency can not be defined as a pre-current condition. In other words, substance use disorder cannot be denied and plans at the Health Insurance Marketplace at the moment are required to offer coverage for at least a portion of drug rehab. Companies like Blue Cross Blue Shield of Indiana are required by the Affordable Care Act to apply the premiums of its policyholders closer to dependency
Blue Cross Blue Shield offers several forms of insurance plans. Health Maintenance Organizations, or HMOs, require the coverage holder to stay in-network while receiving care. HMO insurance plans additionally require a referral from a primary care doctor to see a specialist.
Blue Cross also offers Preferred Provider Organizations or PPO plans. This sort of coverage provides more flexibility whilst choosing a provider. These specific plans cover specialists (commonly with a demand for a referral) even if they’re no longer in the network.
Types of Blue Cross Blue Shield Plans
When looking over your coverage, it is crucial to take note of what insurance coverage your plan offers. Here are a few of the most common Blue Cross Blue Shield plans:
- Bronze coverage – Premiums under the Bronze plan are usually the lowest. However, these plans often include excessive deductibles that have to be met before insurance is provided. Bronze plans through Blue Cross Blue Shield typically include coverage of 60% of the overall clinical bill.
- Silver coverage – Blue Cross Silver gives a slightly better premium however has a tendency to offer more coverage for clinical services after the deductible is met. This coverage commonly covers 70% of your healthcare bill.
- Gold coverage – Deductibles on this individual plan are normally extra affordable. Benefits are normally the same, however, the charges on Gold guidelines are much better.
Keep in mind that each Blue Cross Blue Shield policy typically includes copays as well as different benefits varying from every tier. You might also locate varying partial hospitalization, detoxification, and hospital benefits with every plan.
Reach Out to TruHealing Riverbend Today
TruHealing Riverbend is proud to accept Blue Cross Blue Shield health insurance. In order to make the Jeffersonville, IN addiction treatment process as stress-free as possible, our team will help you contact your insurance provider to find out more about what your specific plan covers.
At TruHealing Riverbend, we are dedicated to working with multiple insurance providers to better service our clients. Give our facility a call today at 855.652.0546 to verify your insurance with a member of our team.