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, Blue Cross Blue Shield also gives a ton of company group coverage plans – both for-income and nonprofit organizations.
At Pax 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.
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 — Obamacare — 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. This manner the coverage holder must select from the available companies “in-network” to acquire monetary compensation for coverage. 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.
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:
Keep in mind that each Blue Cross Blue Shield policy typically includes co-pays as well as different benefits varying from every tier. You might also locate varying partial hospitalization, detoxification, and hospital benefits with every plan.
The Affordable Care Act (ACA) requires insurance organizations to provide services and benefits to those struggling with substance abuse/mental illness disorders. This legislation ensures that people receive the same level of coverage for mental health disorders just as if it were medically necessary. Here are a few of the most commonly covered services through Blue Cross Blue Shield for drug and alcohol rehabilitation.
PAX Riverbend is proud to accept Blue Cross Blue Shield health insurance. In order to make the Jefferson, Indiana 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 Pax Riverbend, we are dedicated to working with multiple insurance providers to better service our clients. Give our facility a call today to verify your insurance with a member of our professional team.