Getting Addiction Treatment with Blue Cross Blue Shield
Along with deciding on addiction treatment options, it is important to figure out what your Blue Cross Blue Shield insurance covers. For people who do not have insurance, many options exist to still be able to get the treatment you need. Paying for services should not be the factor keeping you from addiction recovery. Some insurances may pay for part of the treatment and others may help with all. Blue Cross Blue Shield provides clients with a variety of plans and services that can help you get your treatment covered. Their aim is to be client-focused and give clients the coverage they need.
- For Select Networks, the client can expect to pay less on their premium by staying in a selected network.
- Clients can save on their premium by using doctors and providers in their area
- Coverage may only be available in a certain area in Louisiana
- This service allows clients to put tax-free money into a Health Savings Account.
- Blue Saver has options for coinsurance and deductibles.
- It does not require copayments.
Blue Point of Service
- Blue Point is offered all throughout the state.
- It may require the client to pay a set of copayments.
- It allows recipients to have access to the HMO Louisiana network.
- This option is also offered statewide.
- Blue Max offers clients extensive coverage.
- The coverage offers options for a copay, coinsurance, and deductible.
Substance abuse treatment can be covered with all the plans, although a deductible, copay, or coinsurance may be required and differ under each plan. If this option does not seem right for you, other options still exist. Remember you do not have to decide or pay on your own. Keep reading to learn more or call us at 504-384-7870.
Other Payment Options Available
Many people in the U.S. do not have healthcare so easily accessible. Some even go without doctor visits to avoid costly bills. For those who do not have the means for healthcare, with Medicaid and Medicare they have the option. U.S. federal healthcare plans provide assistance for low-income and disadvantaged individuals. Many treatment centers accept both Medicare and Medicaid, along with other options.
Information on Medicare Coverage
Medicare’s coverage focuses on adults ages 65 and up, although it can also cover people with disabilities and other conditions. The plan does not have a specific benefit for substance abuse but under certain circumstances, it can cover the treatment. The person must have a necessity for the treatment, for example in the case of severe addiction. Coverage is split up the specific services into four parts. Part A covers hospital insurance, Part B is for medical, Part D covers prescription drugs, and Part C combines a bit of all.
Information on Medicaid Coverage
Medicaid’s coverage can assist a wider demographic. It covers pregnant women, children, and people with disabilities, as well as others. Coverage from the plan is aimed to help people with low-income who may otherwise not have healthcare. Medicaid does provide clients with substance abuse treatment coverage. Treatments can include outpatient, residential, and other services.
Along with Medicare and Medicaid, people can get payment assistance or services on a sliding fee scale in many facilities around Louisiana. For more information on the different insurance available, you can visit each insurance website and look under their behavioral and mental health section. You can get the treatment and help you need to overcome addiction and money does not have to stand in your way.
Get the Right Blue Cross Blue Shield Coverage for Addiction Treatment
According to the 2018 U.S. Census, about 27.5 million people had no health insurance. Many people do not think they have an option when it comes to healthcare if they cannot pay for it themselves. However, there are various options that can assist with healthcare coverage. The costs for treatment does not have to be an obstacle in your recovery journey. You can get covered by Blue Cross Blue Shield, Medicare, Medicaid, or other payment options exist.
Blue Cross Blue Shield provides patients with four plans. They are Select Networks, Blue Saver, Blue Point of Service, and Blue Max. Treatment for substance abuse is covered in all four plans, however, there could be coinsurance, deductibles, and/or copays that may apply. People can also get covered by Medicare or Medicaid. Both can provide coverage for addiction treatment, although Medicare requires the patient to have a reasonable necessity for treatment. Additionally, patients can receive assistance through payment plans in numerous facilities around Louisiana. You do not have to do this alone. We encourage you to call us at 504-384-7870 for more information. We are here to help.