Drug and Alcohol Rehabs That Accept Blue Cross Blue Shield of New Jersey
It is not always simple to conquer addiction. If you have a loved one fighting to overcome this, you probably know it too well. The cost is among the issues that hinder most individuals from receiving the treatment they need. If you do not have insurance coverage, paying for drug and alcohol treatment is an enormous burden. To make matters worse, some insurance companies may not provide the comprehensive coverage necessary for a complete recovery from addiction.
Fortunately, health insurers such as Blue Cross Blue Shield (BCBS) are trying to make it easier for their customers to pay for their health needs, including drug and alcohol addiction treatment. Blue Cross Blue Shield is one of the most reputable health insurers in the United States, and several drug and alcohol treatment centers in New Jersey accept Blue Cross Blue Shield insurance.
How much will It cost you at a rehab that accepts BCBS coverage in NJ?
Treatment Options at drug and alcohol rehabs in New Jersey that accept Blue Cross Blue Shield insurance
Blue Cross Blue Shield drug rehab coverage details
Types of Blue Cross Blue Shield of New Jersey insurance plans
Rolling Hills Recovery Center: Get started on the road to recovery immediately!
What To Know About Your BCBS Of NJ Insurance
Our Admissions Experts Will Help You Navigate This Difficult Information.
Typically, co-insurance percentage range from 20% to 40%, and the insurance company clears the rest.
The amount you pay out-of-pocket for treatment before the health plan starts helping with payments.
Co-pay is a fixed amount you must clear (usually when you receive treatment) for covered treatment services.
How Much Will it Cost You at a Rehab That Accepts BCBS Coverage in NJ?
Since President Obama signed the Affordable Care Act into law in 2010, health insurance companies have been compelled to provide coverage for substance abuse treatment. Therefore, you may count on full or partial reimbursement from Blue Cross Blue Shield for any services you receive at a New Jersey drug and alcohol recovery facility that is in network with the insurance provider.
BCBS covers some of the cost of treating behavioral and mental health disorders when they are medically necessary. In many cases, this provides coverage for treating an addiction condition. However, several factors will determine how much of the cost your BCBS plan will reimburse:
The type (tier) of Blue Cross Blue Shield policy that you have.
The location where medical care is provided.
Whether the rehab is in BCBS's in-network program.
How long your treatment will take.
The location of the facility.
Other co-occurring conditions you may have.
To find out what services are covered by your BCBS insurance plan, you should contact either a BCBS insurance agent in NJ or the rehab facility of your choice. Alternatively, reach out to the admissions staff at Rolling Hills Recovery Center now, and they will gladly assist you in figuring out whether or not your BCBS plan will cover any of your treatment costs.
Treatment Options in New Jersey That Accept Blue Cross Blue Shield Insurance
Addiction issues are considered to be disorders of both the mind and body. Suppose you are serious about kicking your drug misuse habit. In that case, you may choose from a broad range of effective treatments offered at rehabilitation centers that focus on both the physiological and psychological elements of addiction. Here are some of the many groups into which BCBS has placed this:
Mental, behavioral, and emotional health issues are the primary focus of psychiatric care, which includes their detection, analysis, and management. Medication that might aid in recovery is another option that psychiatrists may provide.
Licensed Clinical Social Work Services
People who need assistance in overcoming substance misuse may receive counseling in either a one-on-one setting or within the context of their families from the social worker specialist.
People with substance use disorders can contact social workers in several places. In recent years, the role of a social worker has changed significantly due to changes in healthcare policies and progress toward integrating health-related and behavioral services. In their roles as direct service providers, managers, healthcare administrators, and policy experts, social workers choose, provide, and advocate evidence-based ways to treat substance use disorders.
Help on a psychological level may come in various shapes and sizes, including family, group, and individual therapy. Neuropsychological evaluations are another service they provide.
In addition to the services provided by these mental health specialists, patients in drug and alcohol rehabs in New Jersey that accept Blue Cross Blue Shield insurance may anticipate receiving partial or whole reimbursement for the following levels of care:
Outpatient rehabilitation programs allow you to get alcohol and drug abuse diagnosis and treatment without interfering with your schedule. Living in a rehabilitation facility is not necessary to participate in outpatient treatment. You only receive treatment for a short period (mostly one to two hours per day, just a few days per week).
The ideal candidates for outpatient therapy are people with less severe addictions or those who have progressed through intensive treatment and are equipped to function in a less structured setting.
Inpatient Detox and Therapy
During the inpatient detox process, you will be expected to reside in a treatment center for your detoxification. This is essential for providing patients with a safe space to deal with the physical and mental challenges of detoxing from their substance of choice. Drug and alcohol withdrawal symptoms are challenging to treat under any circumstances, but they may be life-threatening if not closely monitored by a professional.
Suppose you are going through withdrawal, and the symptoms are life-threatening or so severe that you are likely to relapse immediately without help. In that case, BCBS will probably cover the cost of their medical and therapeutic care.
After completing detox, the next step is to acquire the skills to remain sober. Outpatient and inpatient settings are viable options for providing behavioral therapy to help you maintain your sobriety. There are many evidence-based behavioral treatments used in rehabs, including:
CBT (Cognitive Behavioral Therapy)
DBT (Dialectical Behavioral Therapy)
These are only a few of the many approaches to combating addiction. Get in touch with Rolling Hills Recovery Center for a more in-depth grasp of these and many more treatment possibilities. BCBS will only cover these treatments if they are evidence-based and a doctor or mental health professional has verified that the patient needs them to stay sober.
Rolling Hills Recovery Center
Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.
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Blue Cross Blue Shield Drug Rehab Coverage Details
The terminologies used in insurance can be hard to understand. Here is the meaning of the standard BCBS terms that you may come across:
In-network treatment facilities have entered into an arrangement with BCBS insurance that allows policyholders to obtain treatments covered under their plans at lower prices. These treatment facilities are also referred to as "preferred providers." Your particular health insurance plan will dictate which treatment providers you are eligible to use.
An out-of-network service provider, also known as a non-preferred provider, is a facility or specialist not part of your BCBS's plan network. If your plan permits you to utilize providers not recommended or not in your network, you will have to pay higher copayments and deductible rates. In some instances, you may be required to pay the whole sum.
Pre-Certification or Prior Authorization
Most Blue Cross plans demand specific approval for inpatient and outpatient drug rehabilitation services. BCBS may also request a comprehensive clinical evaluation to verify that you need therapy.
Your Portion of the Medical Expenses
If you're like most individuals, figuring out your share of the treatment costs may be one of the most frustrating and confusing elements of having health care coverage.
Your deductible is a predetermined dollar amount you are responsible for paying before BCBS makes any payment.
A copayment is a predetermined amount of money that must be paid when covered services are rendered. You may also be obligated to pay coinsurance, limiting your coverage to a certain percentage. For example, most plans have an 80% to 20% coinsurance structure, which means that BCBS will pay 80 percent of the cost while you are liable for the remaining 20 percent.
Why Recover With RHRC?
There are affordable options for addiction treatment
Rolling Hills Recovery Center works with a variety of healthcare providers.
Rolling Hills Recovery Center is dedicated to your success. We provide evidence-based treatments backed by science and holistic therapies that heal the mind, body, and spirit.
We are fully accredited
Mater level clinicians
We treat you as an individual
Respectful and peaceful setting
Insurance is accepted
Types of Blue Cross Blue Shield of New Jersey Insurance Plans
BCBS offers a variety of options for individuals and families. However, different plans provide varying levels of coverage. For example, some states may limit residents to only three options, while others may provide them with a broader range of options.
Blue Cross Blue Shield provides the following individual and family coverage plans:
When you sign up for the bronze plan, you can count on having up to 60% of your rehabilitation costs reimbursed. There are greater deductibles, but the monthly premiums are the lowest.
This plan covers around 70% of your rehabilitation costs. Monthly costs are more than those of the bronze plan. However, Silver-level plans have smaller deductibles.
Gold plans have more significant monthly premiums than the Bronze and Silver packages but substantially lower deductibles. In addition, this plan covers up to 80 percent of your treatment expenditures.
Your platinum plan will cover around 90% of your rehabilitation costs. In addition, this plan has the lowest deductibles. However, the monthly premiums for this plan are the most costly of the three options.
Rolling Hills Recovery Center: Get Started on the Road to Recovery Immediately!
Rehab is your best bet to free yourself from addictive behaviors; addiction is a problem that won't disappear. However, a roadblock to receiving the care you need is often the expense of medical care. If you are planning to use health insurance to pay for your rehab stay, you should know how long that plan will pay for the service and what your out-of-pocket costs will be.
The length of time Blue Cross Blue Shield will pay for a stay in a rehab program depends on several factors, including the patient's recovery plan, healthcare coverage, and recommended treatment intensity.
Reach out to Rolling Hills Recovery Center right now to schedule your complimentary first evaluation and get help navigating the complexities of your health insurance.