24/7 Support Line

(954) 526-5776
Menu close
Get Help Now

Our Centers

  • Take the First Step in Las Vegas

    Desert Hope is a beautiful oasis with modern charm located in Las Vegas, Nevada. We provide all levels of care from detox, in-patient, outpatient and sober living.

    Visit Desert Hope Treatment Center Visit Desert Hope Treatment Center
  • A New Life Awaits

    Start your recovery at our spa-like facility in the Dallas-Ft. Worth area. Holistic therapies, chef-prepared meals, and LGBTQ+ support are among the many features of our premier drug and alcohol treatment program.

    Visit Greenhouse Treatment Center Visit Greenhouse Treatment Center
  • The Best Place to Recover in Orange County

    Laguna Treatment Hospital is located in Orange County, CA. The first Chemical Dependency Recovery Hospital in the OC, we offer safe medical detox, mental health support, and wellness programs.

    Visit Laguna Treatment Hospital Visit Laguna Treatment Hospital
  • Start Recovery at Our Southern Resort

    Take a step back from your life and get the help you need at our premier drug and alcohol addiction center. Nestled in the countryside 1.5 hours from Memphis, Oxford gives you the support you need in a calm and beautiful setting.

    Visit Oxford Treatment Center Visit Oxford Treatment Center
  • Recovery Forecast includes Tropical Weather

    Your recovery can start at either of two premier drug and alcohol treatment facilities in the Greater Miami area - Fort Lauderdale and Hollywood, FL. Our specialties include treatment for veterans and first responders.

    Visit Recovery First Treatment Center Visit Recovery First Treatment Center
  • Sunny Florida Welcomes You

    Retreat to the sunny climate of Tampa, Florida for a stay at the standard of treatment facilities in Tampa, FL. We offer customized care plans to help you on your recovery journey.

    Visit River Oaks Treatment Center Visit River Oaks Treatment Center
  • Helping New Englanders Find Recovery for Over 30 years

    Escape to the countryside to recovery in New Jersey’s premier drug rehab & treatment center. Located only an hour from New York City.

    Visit Sunrise House Treatment Center Visit Sunrise House Treatment Center

Are You Covered by Blue Cross Substance Abuse Insurance?

Alcoholics and drug addicts across the country know the importance of quality health insurance. Thankfully, Blue Cross substance abuse insurance has that near-nationwide reach many patients need when attempting a recovery or rehabilitation from an addiction. Still, there is much to consider when choosing Blue Cross. For example, how do you know whether an HMO or a PPO plan is right for you?

First: Is Rehab and Detox Covered?

Blue Cross has a comprehensive network of physicians and facilities that provide behavioral therapy services. From full-service inpatient facilities like hospitals and rehabilitation care centers to intensive outpatient therapy, your detox effort can be covered by Blue Cross substance abuse insurance.

However, the relevant law that oversees mental health and substance abuse insurance regulation has left exemptions for some entities that could leave you without coverage at all. For example, if your employer fully funds its own healthcare plan, it can opt-out of the obligation to provide coverage for mental health services. Also, businesses that employ between 2 and 50 people can opt-out, even if they don’t fund their own plan. Also significant is those companies that would incur a 2% cost increase in the first year of providing this coverage.

Barring these exemptions, you are most likely eligible for coverage that is essentially equal to any other medical or surgical coverage, such as broken bones, concussions or eye surgery. That’s the crux of the Mental Health Parity and Addiction Equality Act that went into effect in 2010.

The Differences Between PPOs and HMOs

Fundamentally, a PPO and an HMO perform the same function: they provide a patient with a network of physicians, specialists, pharmacies and facilities that provide healthcare services. In both cases, the healthcare providers within these networks are the cheapest option, and if a patient chooses to receive care from someone outside the network, they will pay more.

An HMO is more restrictive in the sense that you will have to see a primary care physician and get a referral before you can see a specialist. This can have negative effects on addicts since this increases the wait time before you’ll be able to enter a rehab facility or detox program. However, if you need a service (i.e. a psychiatrist) that is provided by your HMO but is too far away for you to reach, your HMO will pay for you to see a closer out-of-network doctor.

A PPO does not usually require that you see a primary care physician before seeing a specialist (though there are exceptions, such as an inordinately expensive medical procedure), which makes it easier to get more advanced help more quickly. PPOs also allow you to seek out-of-network care, and once you’ve hit the deductible limit, you will be covered for a certain percentage of the cost.

More Questions

Blue Cross substance abuse insurance is always a complicated issue, especially if you’re seeking a specific type of coverage. But there is help — fill out the form to the right of this page to check your insurance coverage for drug rehab right now.

About The Contributor
The editorial staff of Recovery First is comprised of addiction content experts from American Addiction Centers. Our editors and medical reviewers have over a decade of cumulative experience in medical content editing and have reviewed thousands... Read More