Using Insurance for Drug & Alcohol Rehab
Florida Blue Health Insurance Coverage
Florida Blue Health Insurance Coverage
Drug and alcohol addiction is one of the nation’s most significant public health threats. Addiction destroys millions of lives on an annual basis; devastating individuals, families and communities, harshly impacting overall quality of life, and often leading to preventable death. According to the 2018 National Survey on Drug Use and Health, roughly 20.3 million people over the age of 12 suffer from a diagnosable substance use disorder. Despite exceedingly high rates of addiction, only 1.4 percent of those who needed treatment received any type of professional care in the past year. What prevents people from seeking the help they need? In many cases, the answer is simple — a fear of covering treatment costs. Most people who struggle with addiction write off addiction treatment as an intangible ideal, assuming they will be incapable of covering associated costs because active addiction left them in a place of financial ruin.
At Immersion Recovery Center we understand how overwhelming it can be to figure out how to pay for treatment, especially after struggling with a devastating substance use disorder for months or years. The last thing you want to do is sift through paperwork or spend hours on hold waiting to be connected to an insurance agent. We work directly with most major regional and national health insurance providers, and we offer free, no obligation insurance benefit checks to those in need. Benefit checks are simple, straightforward and can be completed over the phone in under 10 minutes. At Immersion Recovery Center we remain dedicated to providing effective and accessible drug and alcohol treatment. Our main priority is ensuring you or your loved one receives the help they need as efficiently as possible regardless of current financial standing. Contact us today to learn more about covering drug and alcohol rehab with Florida Blue Health Insurance.
Does Florida Blue Health Insurance Cover Drug or Alcohol Rehab?
Mental health and substance abuse services are considered essential health benefits. This means major health insurance providers like Florida Blue will likely cover some or all of your drug and alcohol treatment costs. The extent to which Florida Blue covers treatment services depends on several factors, including the rehab treatment provider you are looking into and your personal clinical needs. At Immersion Recovery Center we accept Florida Blue health insurance coverage, and we are happy to provide a free, no obligation insurance benefit check whenever necessary. We work directly with most major regional and national health insurance providers in order to make our treatment services as accessible as possible to those in need.
About Florida Blue Health Insurance
Florida Blue is a branch of Florida Blue Cross Blue Shield, and was founded nearly 70 years ago on the need for affordable and accessible healthcare in Florida. As a whole, Blue Cross Blue Shield remains dedicated to providing accessible health insurance and adequate treatment options to those who have been struggling with substance use disorders of all types and severities. More information can be found on the BCBS website. Because our treatment facility is located in South Florida, regional providers like Florida Blue tend to be in-network, meaning some or all of the services we provide are covered either partially or in full.
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Different Types of Florida Blue Substance Use Treatment
Mental and behavioral healthcare services, like detox and drug and alcohol rehab, are considered essential medical services and must be covered (at least partially) by major insurance providers. The type of substance use treatment you require depends on several factors, including what type of coverage you currently have, the severity of your substance use disorder, and the presence of any underlying issues. At Immersion Recovery Center we are happy to help you determine which level of care is right for you — contact us today to learn more.
Florida Blue Medical Detox Programs or Facilities
Florida Blue health insurance might cover a short stay in a privately run, inpatient detox center like Immersion Recovery Center. While in inpatient detox you undergo a safe and pain-free drug or alcohol withdrawal while being monitored around the clock by a dedicated team of medical professionals. Withdrawal symptoms are treated as soon as they develop with a combination of evidence-based detox methods. In some cases, medication assisted treatment options are necessary, and health insurance policies like Florida Blue often cover MAT along with other necessary detox services.
Florida Blue Inpatient or Residential Treatment Centers
Most people who attend addiction treatment benefit from an extended stay in a residential treatment center, which could last for between one and three months based on personal need. Clients receive around the clock care as they undergo intensive behavioral therapy and learn how to successfully stay sober once they transition back into fully independent living. It is a good idea to look for an inpatient treatment center that caters to your unique needs (for example, a dual diagnosis treatment center if you have a personal history of addiction and mental illness).
Florida Blue Partial Hospitalization Programs (PHP)
Partial hospitalization programs are a small step down from inpatient treatment, the main difference being PHP clients are able to return home every evening. Most PHP programs take place for between 5 and 7 days a week, for between 6 and 8 hours every day. Because PHP programs include fewer amenities than residential rehabs, they tend to be a more cost-effective option for those who are working with limited (or no) insurance coverage.
Florida Blue Outpatient Programs (IOP)
Outpatient treatment provides the most flexible level of care and the highest amount of freedom, and is an ideal option for those who need to continue working, continue with their education or take care of personal responsibilities outside of treatment (like caring for a dependent). Insurance providers like Florida Blue tend to cover most of the costs associated with IOP, making this level of care an ideal option for those who are insured and cannot afford to pay additional out-of-pocket costs.
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In-Network vs Out-of-Network Florida Blue Substance Use Disorder Treatment
If you are utilizing health insurance to cover the cost of rehab, it is a good idea to determine whether the rehab is in-network or out-of-network. If a healthcare provider is in-network, it means they meet a set of credentialing requirements and have agreed to provide their services at a discounted rate. If a treatment center is not in contract with a health insurance provider, they are considered out-of-network.
Out-of-network treatment centers can charge you full price for their services, but you have access to a greater range of addiction treatment options. If you are looking for the most cost-effective option, we recommend finding a rehab center which is in-network with your current provider. Immersion Recovery Center is in-network with Florida Blue.
How to Check Your Florida Blue Rehab Coverage
If you are currently insured through Florida Blue and you are interested in drug and alcohol addiction treatment, you will need to check your current coverage to see how many services are covered. There are several ways to check your Florida Blue coverage in the context of drug and alcohol rehab. One of the easiest ways to check if a rehab is in-network is by calling the customer service number located directly on your insurance card. You are also welcome to reach out to Immersion Recovery Center directly. You will be put in touch with a Treatment Advisor who will check your insurance policy and relay how many of our services are covered either partially or in full.
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Finding an Addiction Treatment Center That Is Covered By Florida Blue
How can you find an addiction treatment center that accepts coverage through Florida Blue? First of all, we recommend asking yourself the following questions in order to narrow down your search:
- Which level of care am I looking for? Would I benefit from beginning my personal treatment program with a short stay in a medical detox center? Am I looking for an inpatient rehab or a program which offers more flexibility and personal freedom, like PHP or IOP?
- Am I willing to travel out of state for drug and alcohol rehab? If so, is the facility I’m looking into located in a recovery-rich community which will be conducive to my long-term healing?
- Am I looking for a demographic-specific treatment program? For example, would I benefit from dual diagnosis treatment or from a program designed specifically for working professionals?
- Does the treatment center offer individualized care and address the physical, mental, emotional and spiritual implications of addiction? Will I have access to a range of treatment services including behavioral therapy, holistic approaches to recovery and a thorough education on the 12-Step model?
Once you have a better idea of what you are looking for, you will be able to narrow down your search significantly. Once you land on a treatment center that meets all of your personal needs, you can either reach out directly to the center and ask for a health insurance benefit check, or you can locate the toll-free number on your insurance card, speak with a representative, and find out whether or not the center is in-network. At Immersion Recovery Center we are happy to help you work through all of the details associated with covering the cost of rehab, ultimately making the entire admissions process as uncomplicated as possible.
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The majority of people who struggle with drug and alcohol addiction fail to seek any degree of professional treatment. This is often because they believe they cannot cover the cost of treatment. However, because medical detox, residential inpatient treatment and outpatient treatment options are considered essential healthcare services, the majority of major regional and national providers cover some or all of the associated costs. If you are currently insured through Florida Blue there is a very good chance your current policy will cover some or all of your stay in treatment. Call us today for a free, no obligation insurance benefit check, which can be completed over the phone in just minutes, and see if your insurance policy covers addiction treatment at Immersion Recovery Center.
The moment you make the decision to reach out for help you will be put in touch with an experienced and compassionate Treatment Advisor who will walk you through our simple admissions process. In addition to providing a free, no obligation health insurance benefit check, we offer a brief addiction assessment to ensure you receive the most appropriate care for your unique case. Once the level of care is determined and we have helped you figure out how to cover the cost of treatment, we arrange local transportation to our South Florida treatment center. We understand reaching out for help can seem overwhelming in and of itself. We are available to walk you through the remainder of the process from start to finish, making the process of receiving the treatment you need as straightforward as possible. Contact us today to begin.