Drug Rehab Coverage with Blue Cross Blue Shield Health Insurance in New York
Blue Cross Blue Shield is one of the biggest health insurance for drug rehabin New York helps to alleviate some of the financial burden associated with drug rehab. Blue Cross Blue Shield plans in New York offer individual and family health plans, employer or group plans, and Medicare options. Blue Cross Blue Shield coverage for drug rehab in New York depends on the plan type. Almost all of the Blue Cross Blue Shield plans include testament for substance abuse and behavioral health services. The first step for families is to determine the severity and extent of addiction and find the right drug rehab center in New York. Families with health insurance plans through Blue Cross Blue Shield can find drug rehab providers within their insurance network. In addition, depending on their plan, families could access out-of-network drug rehab providers.
Drug rehabilitation programs covered by Blue Cross Blue Shield health insurance plans in New York begin with drug detox. The next phase of drug rehabinvolves residential or outpatient drug rehab. Drug detox is essential, and they’re usually different inpatient or outpatient options covered by health insurance. Depending on the type of Blue Cross Blue Shield health insurance plan, medical detox or standard detox for drug addiction could be covered, for example. Some BCBS plans cover residential or outpatient drug rehab centers in New York. Still, every plan is different from the next. An addiction assessment would also help the family or addict determine what drug rehabilitation options are available in New York.
How Does Blue Cross Blue Shield Health Insurance Cover Drug Rehabilitation Programs in New York?
Blue Cross Blue Shield in New York covers drug rehab and behavioral health services. Drug rehab centers, whether outpatient or inpatient, in New York, accept different health insurance plans. Health insurance pays for a percentage of treatment up-front or reimburses the client after completion of drug rehab. Overall, health insurance plans through BCBS cover some or all of the cost;however, for example, there could be a co-insurance or co-pay option. A co-insurance option is the remainder of the cost after the deductible has been paid. The co-pay option is a flat amount that is paid to the drug rehab center in New York. The first step for an addict or family would be to contact Blue Cross Blue Shield and determine what forms of drug rehab are covered by their health insurance plan.
Drug rehab centers in New York, whether private or state-funded, will usually have a process in place with how they work with health insurance providers and may only accept certain health insurance providers. Typically, health insurance providers limit which drug rehab facilities they cover. There are usually set amounts paid by the insured and the insurance provider. For example, this includes in-network providers and out-of-network providers. The amount paid to the drug rehab center depends on the type of Blue Cross Blue Shield health insurance plan. Someone who has health insurance coverage in New York should take advantage of their health insurance plan to cover their substance abuse treatment services.
What Type of Drug Rehabilitation Does Blue Cross Blue Shield Health Insurance Cover in New York?
The type of drug rehab covered by Blue Cross Blue Shield health insurance depends on the type of plan and the tier of coverage. Drug rehab in New York covered by insurance could include all types of facilities, or it could be limited to what is offered within the health insurance provider’s network. Some of the types of care that could be covered include inpatient drug rehab, outpatient drug rehab, partial hospitalization rehab, detox, group therapy, family counseling, assessments, and evaluations. Blue Cross Blue Shield may cover outpatient drug rehab, residential treatment, partial hospitalization, and acute inpatient hospitalization services.
Overall, there are drug rehab options provided within a service network and outside of a service network. Depending on the Blue Cross Blue Shield health insurance plan, the type of drug rehab covered varies. Typically, drug rehab services include some form of residential care, inpatient hospital programs, counseling services, and drug detox services. An addiction assessment would also help the family or addict determine what methodologies of treatment they would need. An addiction assessment aims to evaluate the addict and recommend drug rehab programs in New York.
Family Intervention Services for Substance Abuse in New York
Many families in New York struggle with a loved one addicted to drugs or alcohol and are unsure what direction to take. After speaking to their Blue Cross Blue Shield health insurance provider and knowing there are drug rehab options available, the next step is convincing their loved one they need drug rehab. The best option for any family is to hire a certified family interventionist and have an expert help organize and plan a family intervention in New York. Most people struggling with drug addiction are unwilling to admit they have a problem or ask for help. The purpose of a family intervention is to help the drug-addicted family member see how their addiction affects their lives and the lives of the people around them. With the help of a family interventionist, the addict is convinced to attend drug rehab in New York.
Health Insurance and Drug Addiction Trends in New York
According to the United States Census Bureau, in 2018, 5.4% of New Yorkers were without health insurance. Approximately 67.2% had private health insurance, and 39.9% had public health insurance. In 2019, 5.3% of state residents were without health insurance. However, 49.8% had health insurance through an employer, while 25.7% had Medicaid and 13% had Medicare. Health insurance plans like Blue Cross Blue Shield cover drug rehab. Drug addiction impacts many families living in New York. According to the New York Behavioral Health Barometer, 7.1% of residents aged 12 or older struggled with a substance use disorder between 2017 and 2019.
Sources-
https://www.census.gov/library/stories/2019/11/state-by-state-health-insurance-coverage-2018.html
https://www.samhsa.gov/data/sites/default/files/reports/rpt32849/NewYork-BH-Barometer_Volume6.pdf
