Will Blue Cross Insurance Cover Medication Assisted Treatment?

For many people, the first stages of ending an addiction are always the hardest since withdrawal symptoms combined with cravings can make it impossible to avoid thinking about using drugs or alcohol. While your rehab program will primarily consist of therapy and counseling services that are designed to help you address the underlying reasons for your addiction, you may also prefer to utilize medication to overcome your cravings. Medication assisted treatment is one option that you have for easing the process of learning to cope with your addiction to drugs or alcohol that can enhance your chances of success. Yet, you naturally may have some concerns regarding how you will cover the cost of this type of treatment.

Blue Cross insurance coverage can vary significantly according to the type of policy that you have. However, all health insurance companies are now required to provide coverage for substance abuse treatment in their policies since this is considered a mental health condition. Therefore, you should find that your insurance covers at least a portion of your stay at a residential or outpatient treatment program, and the medication used in your assisted treatment program may also be included in the coverage. You can use this guide to figure out if medication assisted treatment is right for you along with how to utilize your insurance coverage to make your treatment more financially affordable.

Am I a Candidate for Medication Assisted Treatment?

While people overcome drug addiction every day without medication, you may need this extra level of treatment to help you deal with painful withdrawal symptoms or overwhelming cravings. A few signs that you may need medication assisted treatment include the following experiences:

• You primarily use opiates
• You have tried and failed to quit before
• You experience withdrawal symptoms within minutes to hours of quitting
• Your withdrawal symptoms are severe
• You have experienced a relapse

Although medication assisted treatment is often used to help people through opiate withdrawal you should know that there are also medications available that help with any kind of addiction. For instance, Campral is used to help reduce the severity of cravings for those who use alcohol. You will also find that some medications are dispensed in pill form while others are injected, and this may play a role in whether or not you prefer a specific type of treatment. Since there is not a one-size-fits-all method for treating addiction, your medical team and counselors will work to help you develop a plan that includes the right type of medication to address your withdrawals and cravings when you enter the program.

What Does Blue Cross Insurance Cover for Drug Addiction Treatment?

Insurance policies are sometimes complicated, and you may not be sure exactly what is covered by your Blue Cross insurance plan. First, you may access your current policy information by using their website or looking at a print copy that might have been mailed to your residence. Either way, you should be able to locate a specific area in your policy that explains what is covered for substance abuse treatment. If not, then you can often contact your insurance company’s helpline or work with the intake staff at your preferred treatment center.

In general, Blue Cross insurance is divided into different levels of plans. For instance, the Platinum plan covers the highest percentage of your care, but you also tend to have higher premiums for this level of coverage. Alternatively, the Bronze plan covers less of the cost of your treatment, but it is still more effective than trying to pay for your addiction treatment on your own.

In most cases, insurance companies cover a portion of detox treatment, which tends to involve medication assistance to get you through the first several days. Once your mental and physical health begins to stabilize, you then begin to work on the next phase of your treatment. Blue Cross insurance does offer options for coverage regarding both residential and outpatient treatment programs. However, you may need to stay at a facility that falls within the insurance policy’s designated network of providers. Since this network is usually fairly extensive, you should not have a problem getting coverage for the treatment center that you prefer.

How Do I Prepare for Medication Assisted Treatment?

While you can enter medication assisted treatment on an emergency basis, you can also benefit from having extra time to plan your stay. During your first outreach to an addiction treatment center, you have the opportunity to ask questions about the program that help you learn more about what types of medication are offered along with the other types of therapy that you may participate in during your stay. You can also use this time to talk about your current insurance policy and how it works with your personalized treatment plan.

Once you know how your insurance works, you can begin to focus on other preparations for your addiction treatment. For instance, you may need to arrange for someone to take care of your house, pets or children if you are entering the program for a residential stay. Alternatively, you may need to make transportation arrangements if you plan to go back and forth to the center each day to participate in an outpatient program.

You will also need to pack a few things to take with you to your residential program. For example, you need to have your insurance information along with a photo ID card to verify your identity when you enter the program. You will also want to bring some comfortable clothing to wear during the detox stage of your treatment along with a swimsuit and workout clothing for your recreational activities. Finally, keep in mind that one of the most important things you can bring to treatment is a positive attitude. Although medication does ease the withdrawal process, your open mind allows you to accept new ideas that you learn in your therapy that help you replace old habits so that you find success in recovery.

Your decision to get sober is the first step toward finally achieving your dreams. For more information about how to use Blue Cross insurance to cover your stay, call our caring staff at 877-978-3148