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Where can I use my Blue Cross Blue Shield insurance for alcohol treatment?

December 21st, 2011

Using Blue Cross Blue Shield Insurance for Alcohol Treatment

The cost of alcohol treatment can get pretty high for a 28 to 30 day stay – and it’s one of the main reasons why those who need addiction treatment often do not get it. Cost is a major consideration when you are in the process of choosing an alcohol rehab and whether or not it is feasible. If you can navigate using health insurance to get alcohol treatment, your out of pocket costs should be little or nothing depending on the policy you have. Blue Cross Blue Shield is a major health insurance provider, and many wonder where they can use their BCBS policies for alcohol treatment and rehab.

Fortunately, most major substance abuse treatment centers accept most insurance policies – especially Blue Cross Blue Shield. If you have specific questions about your health insurance coverage policy, you can contact the alcohol treatment center you want to go to and speak with someone who can help you.

Blue Cross Blue Shield Insurance for Alcohol Treatment: Are You Covered?

Obviously, not very many people go out shopping for a health insurance policy that specifically covers addiction treatment. Alcohol treatment, while not a rare request by any means, is not requested to be covered by the majority of policy holders. The fact is however, alcohol treatment – or any addiction program – is a medical expense. Even if not stated outright, it is highly possible that your Blue Cross Blue Shield insurance does cover it – at least partially. Coverage will not be the same for every BCBS policy when it comes to alcohol treatment, but you can certainly call Blue Cross Blue Shield directly to find out what exactly your policy does cover.

Alcohol Rehab Insurance: Is There an Add-On for Alcohol Rehab Only?

As of right now, you will not find a Blue Cross Blue Shield add-on policy which covers just alcohol rehab. If you are asking for such a thing, the insurance provider fears you will have to use it – meaning a high risk for them to insure you and your family. It also touches on the “pre-existing condition” rule that most carriers have, which could exclude you from coverage altogether.

Getting health insurance to cover alcohol treatment can be tricky – but not impossible. It may take a few phone calls and you might get frustrated, but don’t give up. Blue Cross Blue Shield is a reputable insurance provider and many of their policies do cover alcohol treatment.

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How do you get in to alcohol treatment with Cigna insurance?


December 7th, 2011

One of the main concerns when entering alcohol treatment is whether or not a certain insurance policy or carrier will cover the substance abuse program. If you are wondering if your Cigna insurance policy will be accepted, what you should know is that amongst many other insurance policies, alcohol treatment centers do work with Cigna. Cigna Health Insurance, under most of their policies, does provide behavioral health coverage which is extended to those with alcohol addiction. You will often need to go “out of network” but it can still be done with affordable out of pocket costs.

Cigna is one of the most recognized health insurance companies, especially when it comes to customer care. You can rest assured that if you or your loved one is dealing with an alcohol addiction and alcohol rehab treatment becomes necessary, you will be able utilize your Cigna insurance policy at a variety of substance abuse treatment centers throughout the United States.

If you are unsure as to what your Cigna insurance actually covers when it comes to alcohol treatment – such as inpatient alcohol treatment or outpatient substance abuse programs, it is not as difficult as you may think to get answers. The best alcohol treatment centers, whether locally or out of state, will help you use your Cigna health insurance for addiction treatment by contacting Cigna directly and finding out about the specifics of your coverage. Alcohol treatment centers have staff members who are experienced in dealing with many different health insurance providers to help make entering an alcohol treatment program as easy and quick as possible.

Alcohol treatment can be very costly if health insurance is not utilized. The treatment centers will assist you with using your health insurance benefits in order to maximize coverage and minimize out of pocket costs. You can contact Cigna directly to find out specific information about your policy and to find out if there are any alcohol treatment programs that are considered “in network” to bring costs down even further. Your primary health provider may also be able to assist you in the process, especially if you find that you need a referral for the treatment program to be approved. Cigna health insurance may not always be easy to navigate, as policies are not always clearly defined in terms that are easy to understand, but there is help available to ensure that you or your loved one gets into a treatment program.

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How Do I Know if My Insurance Will Be Accepted at a Substance Abuse Treatment Center?

October 22nd, 2011

Treatment for drug or alcohol addiction comes with a high price tag. This is a very real concern for anyone who needs addiction treatment for themselves or for a loved one. Often, it’s one of the main reasons some addicts remain untreated. Health insurance can be complicated to navigate, as coverage sometimes depends directly on the person’s situation and specific policy. Since drug and alcohol addiction both have high rates of relapse, health insurance companies will often challenge you if you seek coverage for treatment.

Each substance abuse treatment center accepts different insurance policies. Many of them state that they accept “most major insurance companies” but others will accept health insurance from other providers as well. When it comes down to it, many health insurance policies do not specifically state that addiction treatment will be covered, but treatment centers know that drug rehab is a medical cost. Some of them will challenge the insurance company and help you fight to have your treatment costs covered at least partially. Specifics of how much will be covered will vary from policy to policy to some extent, so you will also want to contact your insurance provider directly to find out the details.

You will probably come to find out that there is no add-on to any health insurance policy that covers addiction treatment only. The question of a pre-existing condition comes into play so those add-ons are not even offered. Addiction is a medical disease, so you may get medical treatment. Health insurance policies should cover the costs, but you should know that it won’t always be easy.

Some services for addiction treatment may also be covered under your health insurance policy’s mental health benefits, but it may limit your coverage to outpatient services only. Many of drug and alcohol treatment facilities provide assistance via financial counselors who will work with you to verify insurance benefits and thus determine a financial plan to help you pay for your treatment program. They have expert knowledge of using both in-network and out-of-network health benefits and can better determine whether financial assistance is available and whether it is possible to be used with health insurance benefits.

Fortunately, the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a federal law that helps Americans receive treatment for drug addiction. It basically says that insurance providers are required to offer the same benefits for addiction treatment as they do for other medical conditions. Just a little knowledge will go a long way in helping to pay for your treatment when it comes to health insurance.

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Do Texas Drug Rehab Centers Take Health Insurance

September 7th, 2011

Drug rehab can be very expensive, which is why so many people who need treatment for a drug addiction often do not get it. It is likely that you do not just have a pile of extra money laying around to cover a huge medical bill for rehab. When the cost of rehab is a concern for you or your loved one who needs drug treatment, it helps to understand all that you can about using your health insurance to help cover the cost. It can mean getting the help you need at a time when you really need it.

There are many drug rehabs in Texas that take a variety of insurance types from all types of providers. Of course, if you have questions about your own insurance coverage specifically, you can just contact the Texas drug rehab of your choice and they can give you information about whether or not they accept your coverage.

Are You Covered?

In the real world, not too many people select their specific health insurance policy thinking that later down the road they may need it for drug rehab. It doesn’t occur to most people that having such coverage would be helpful because in life, anything can happen. Such coverage costs a little extra, so many people opt out. Keep in mind though, that addiction is a medical condition. This means that it’s highly possible that your health insurance policy covers to at least part of the cost of drug rehab. The specifics of each insurance policy will vary so you’ll need to contact your own provider to find out whether or not yours will be accepted from the Texas drug rehab center of your choice.

Is There Insurance Coverage Only for Drug Rehab?

As of right now, there isn’t a specific add on or insurance policy which is meant just for drug rehab coverage. If you are looking for such specific coverage, that means there is likely an issue with addiction already – so insurance companies do not want to take that chance of having to cover a pre-existing condition. It is obviously a complicated issue when it comes to insurance, so you’ll just have to navigate the ins and outs of your health insurance company to find out what they will cover.

The bottom line is that addiction is a medical disease and it requires medical treatment. Health insurance policies should cover the cost of treatment, and many of them do when you reach out for help.

Employer Coverage

It may seem more logical to keep an addiction a secret from their employer, but what may surprise you is that many of them want to help. In fact, many companies offer an employee assistance program specifically for mental and addiction coverage that is free so it would be in your best interest to find out if your company does have such a program. In some cases, your employer may even continue to pay your salary for a certain amount of time while you are in rehab so that you do not lose your income completely.

Texas drug rehab centers do take health insurance, it’s just a matter of finding out which ones will accept your type of policy and provider.

We Can Help! Call Us Today at (888) 842-3167 for your Free Confidential Assessment for Drug and Alcohol Treatment

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Can I use TriCare Insurance for Drug Rehab?

July 16th, 2011

Members of the military who are struggling with a drug or alcohol addiction often wonder if their TriCare Insurance will cover the cost of drug rehab. Whether you have TriCare Medical Insurance, TriCare Standard, or TriCare Extra – you can use it for drug rehab. Coverage will vary from plan to plan as far as out of pocket expenses, so you will need to contact TriCare directly for details or work with a drug rehab in your area that accepts TriCare to find out what your plan pays.

A lot of drug rehabs are quite experienced with using TriCare Insurance for drug rehab due to the high number of military members who have needed assistance for alcohol or drug addiction. It can happen because of excessive use of alcohol due to job related stress or even because of abuse of prescriptions taken following a war injury – whatever the reason for needing detox or treatment – TriCare will help you to cover the cost and get your life back. TriCare insurance for drug rehab will be able to assist you, your spouse, or your children.

You may seek treatment in your local area or TriCare insurance may even help you get treatment in a facility that is out-of-state, which many people prefer. Sometimes getting out of your regular environment and into a completely new setting is the best way to go because all outside distractions are removed. Especially if family and friends are one of your “triggers” to using drugs or alcohol, going out of state for treatment may be your best bet. Major recovery areas such as Florida, Arizona, California, and Texas are known to have some of the most comprehensive and effective drug rehabs in the country, so it may be worth it to check out some outside of your home town.

Some of the TriCare plans do have high out of pocket expenses, so you may need to be prepared to pay some of the costs of treatment on your own. If this is the case, don’t be afraid to ask friends and family for assistance – more than likely they will be glad you are getting help and will be happy to provide whatever they can for you. There are also payment plans and payment arrangements that can be made with drug rehabs for out of pocket costs, all you have to do is ask what your options are.

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Do You Have to Have Insurance to Go to Drug Rehab?

July 8th, 2011

Addiction can take its toll on every part of your life – physical, emotional, psychological, and also financially. Making the decision to seek treatment is something that many addicts fear as impossible due to the fact that they may not have health insurance. The fact of the matter is though, that you do not have to have insurance to go to drug rehab. There are other ways to pay if you wish to go to a treatment facility and many options available as far as types of treatment as some options are less expensive than others. It may take a bit of research, but anyone who does not have health insurance can still find excellent treatment care and support to help reach the goal of sobriety.

Other Ways to Pay for Drug Rehab

While having health insurance is ideal, not everyone has it. Some have the means to pay for drug rehab out of pocket if they can afford it, but others can either ask for support from friends and/or family or else ask the treatment center of their choice about payment arrangements or payment plans available. It may be possible to work something out so that payments are affordable on a pre-arranged payment schedule.

It is important to remember that friends and family are a great resource. If you have planned on checking into drug rehab, many of them will be happy to help out financially to see you get your life back in order. Even if the answer is “no”, it can not hurt to ask to find out what options are realistic for you.

Self-Payment

If you are going to pay for drug rehab out of pocket, do not despair. It is very possible to do so without too much financial strain. Look into outpatient programs, as they are less expensive than residential or inpatient drug rehab. Find out about any loans that you may qualify for from different lenders, as this is another way that you can take care of the financial aspect of drug or alcohol addiction treatment. If you are employed, ask about any available Employee Assistance Program that might cover drug rehab – as this is an often untapped resource that can contribute to covering the cost of treatment as well.

Paying for drug rehab is not out of reach, no matter what your situation. You can get the help that you need if you put the time and effort into finding out what options you have.

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4 Ways to Pay for Alcohol Rehabilitation

June 13th, 2011

When you are choosing to stop drinking, you are doing yourself and your friends & family a huge favor. Alcohol rehabilitation is not free though, so you will also have to decide how you are going to pay for the treatment. There are 4 ways to pay for alcohol rehabilitation that are commonly used including the following:

Health Insurance

If you have health insurance, there is a really good chance that alcohol rehab will be covered, at least in part, by your plan. There are forty states that actually require health plans to cover alcohol rehabilitation in which they must meet legal limits of coverage to ensure people can get treatment for such problems without a lot of out of pocket expenses. There may be limitations that you need to be aware of in order to make the most of your health insurance when seeking alcohol treatment, so be sure to call and speak to someone directly to get all of the details pertaining to what your plan will pay out. There may even be specific treatment centers that are affiliated with your insurance company, so ask for recommendations on treatment centers that they work with to help the process go more smoothly.

Self-Payment

When you have the means to pay for alcohol treatment on your own, you are one of the most fortunate – especially if you do not have health insurance. When looking at pricing, remember that cheapest is not always the best choice. You should call the different alcohol rehabilitation centers you are interested in going to and find out as much as you can about them and what they charge. Ask about their treatment methods, their in-patient and out-patient programs, follow-up support when treatment is over, and what is included in their rates.

Help from Family & Friends

Sometimes when health insurance or self-payment is not an option, seeking help from family and/or friends to pay for alcohol rehabilitation is a good alternative. Whether its one person or many people that can help out, every little bit helps. Don’t be afraid to ask for their help, as many of them will probably be more than happy to do so in order for you to get the treatment you need to stop drinking and get your life in order.

Payment Plans/Arrangements

Some alcohol rehabilitation centers may offer payment arrangements to help you with the affordability aspect of seeking treatment. Call and ask the treatment centers that you are interested in about payment plans which could help you get into alcohol rehab more quickly and allow you to pay as you go, whether the payments are weekly or monthly.

However you choose to pay, getting into treatment is the most important thing. Try not to be discouraged if one form of payment does not work out, as you do have alternatives.

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Drug Rehab in Ohio

January 14th, 2010

As drug abuse becomes more of a serious problem to society, more drug rehab centers are being established. The problem of drug abuse is known to affect people off all ages, ethnicities and sexes. Although the majority of these people are in the teenage age bracket. These teenagers are the most common offenders as they find it hard to understand that the consumption of drugs or alcohol can cause negative affects, and many believe it is a victim-less crime. Drug abuse is not only known to ruin ones life, but has also been linked to violent crimes such as assault, murder, rape and robbery. Drug abuse is a serious topic and is of concern to governments and other non-profit organizations. They are trying their best to resolve the issue, and warn users that even if they have depression or anxiety, drugs are not the answer.

It should be noted that these organizations are not having much success and in my opinion the solution to drug abuse lies in prevention at the root cause of the problem. This means that parents and guardians need to observer their teenagers to ensure they are not undertaking in drug or alcohol abuse. If you have any reason to be  suspicious over the changed behavior of a family member there are some symptoms you can look out for.  Examples of physical symptoms include: redness in eyes, nagging cough, change in eating habits and a change in sleeping habits.

If you notice any such changes in your child or other family member it is important to take help from drug rehabilitation centers in Ohio. With the rise in drug abuse we are witnessing in the US, Ohio has begun to setup many rehab centers to treat people with addictions in an attempt to save their lives. Ohio drug rehab centers have many alternative programs available to cure the addiction to drugs in teens or adults. The main objective of drug rehab centers in Ohio is to help teens/adults overcome their addictions. These Drug rehabs have specialized teams of licensed counselors, psychiatrists, psychologists and other professionals to help people with their addictions.

In Ohio different rehab centers take different approaches to overcoming drug addictions so it is important to discuss your case with them to find the best solution for you. Some of the different approaches they take may include the holistic treatment approach, the disease driven approach, and the drug detoxify approach. That discussion you have with an Ohio drug rehab center just might find the right approach for you and could lead to tremendous results in addiction treatment.

Ohio is also known to offer drug rehabilitation programs to those with different sexual orientations including: gay, lesbian and bisexual people. So far the progress Ohio is making towards drug abuse treatment is tremendous, however there is still need for reform to address improvement in public health.

If you or someone you know needs help finding treatment for drugs or alcohol, you can Get Help Now by calling (888) 842-3167

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Drug Rehab in Georgia

January 14th, 2010

Today, drug abuse is becoming more and more common around the world. Drug addiction is a complex disease, which fortunately has been proven to be curable in drug rehabilitation centers. Georgia is home to some of the best drug rehabs in the world, and have been the reason that thousands of people have been cured of addiction to alcohol and various other drugs. Due to the global recession many more people have turned to drugs, this increased amount of addicts has then caused an increased amount of rehab centers being formed in Georgia. Although drug abuse affects many people of different ages, the fact is that young adults are more prone to becoming addicted to drugs.

As Georgia is commonly a final destination point for drug shipments and smuggling, access to these drugs becomes easier and cheaper. Which means more causes of drug addiction are likely to be reported in Georgia.

A person who has a family history of drug abuse is actually more likely to indulge in said activities themselves, although a person with no family history may still partake in drug use. Therefore it can be difficult to measure when and why a person actually reaches an utter addiction of drugs.

It is the responsibility of parents, guardians and the government to guide teenagers and understand the affects drugs can alcohol can have on them. It is this information that is hoped to prevent people from actually partaking in the activity.

Harmful effects of drug and alcohol abuse may include: insomnia, high blood pressure,  lethargy, muscle tension, cancer and in many cases serious drug abuse may lead to death.

As many teens consume alcohol or drugs in an effort to impress friends or die to pressure from these friends. Being a responsible parent you should make an effort to ensure that the company your teenager is hanging out with are not bad. This means you may need to further monitor your teens and their friends to avoid any future drug and alcohol use. Because as a parent it is your duty to ensure your teenager is taking part in healthy activities and to guide them in the right direction.

If you happen to notice any negative activity in your teen (such as drug or alcohol abuse), it is recommenced that you take advice from drug rehabilitation counselors in Georgia. It is these centers in Georgia which offer many different programs to attempt to cure drug abuse in teens or adults. In Georgia they are known to use a biophysical approach which encourages long term healthy lifestyles and discourages the use of drugs or medications. The many drug rehab centers in Georgia have teams of licensed counselors, psychologists and other professionals to help the drug addicted patients.

In summary, the state of Georgia and it’s government is attempting to tackle the known issue of drug abuse in an effort to save many lives. They are able to do this by providing drug rehab centers in various parts of the state to cure people who have these drug addictions. So if you or someone you know is suffering from a drug addiction, look into enrolling in a drug rehabilitation center in Georgia.

If you or someone you know needs help finding treatment for drugs or alcohol, you can Get Help Now by calling (888) 842-3167

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Rehabilitation in Sunny California

October 2nd, 2009

The state of California offers a variety of state of the art drug and alcohol addiction facilities with the latest treatment options and technology.  Professional staff members offer caring support to patients who are attempting to achieve sobriety and experiencing the pain and discomfort of withdrawal symptoms.  Substance abuse can be a devastating disorder and choosing the right rehabilitation center can increase the likelihood of successful healing.

Treatment centers in the state of California are much like the resorts found in your favorite vacationing areas. Most offer luxuries such as pool and sauna facilities, game rooms, and activities that promote a healthy, positive lifestyle.  This is to help ensure a pleasant and enjoyable stay for the patients.  This also increases the probability that addicts will remain at the facility throughout the completion of their treatment.  The type of therapy offered is one of the most important factors when looking for a facility that is right for you. It is important that you feel comfortable with the type of approach that is being offered. You can choose from the many treatment methods available on either an in-patient or out-patient basis. The more secure you feel with your course of therapy, the higher your chances will be for achieving and maintaining sobriety.

There are a number of reasons that drug rehabilitation in California may provide positive results. Studies prove that a warmer climate can be therapeutic for many mental health diseases.  Addiction is considered to be a mental health disease and often co-exists with other underlying disorders.  Not only does the climate help improve the chances of attaining treatment goals, but for those who do not reside in California, the change of locality also has its benefits. As creatures of habit, we often tend to visit the same places, keep the same circle of friends, and repeat daily activities, whether or not these actions are a positive influence on our lives.  Sometimes a change in scenery is just what it takes to conquer a drug or alcohol addiction. The state of California offers extensive rehabilitation programs for those who are trying to achieve a life of sobriety. The beautiful scenery and thriving cities offer a chance for a new beginning. Orange County, Los Angeles, Anaheim, and Sacramento are only a few of the places in California where you can receive drug rehabilitation treatment. You may want to begin by locating and researching the facilities here.

Addiction to drugs is one of the most difficult mental health diseases to treat. A strong support group of sober family members and friends can play a crucial role in the recovery process.  You will find that treatment facilities in California, and also other states, will strongly promote and encourage contact with patients’ loved ones through letters and visitations once the initial assessment has been made and the worst of the physical withdrawal is over.

Free California Addiction Helpline (888) 842-3167.  We Can Help

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