What Benefits Does Blue Cross Blue Shield Offer For Treating Alcohol & Drug Addiction?

When you or someone close to you needs help with a substance use disorder, worrying about how you’ll be able to pay for this type of medical care can be a major concern. At WhiteSands, we accept payment from many different types of health insurance plans. If your insurance plan is with Blue Cross Blue Shield, the following information can be helpful when trying to determine whether your rehab treatment will be covered in full or in part.

Blue Cross Blue Shield does provide insurance coverage for alcohol and drug rehab. The coverage, however, varies depending upon which plan you have and in which state you live.

If you or a loved one are struggling with addiction, call WhiteSands Alcohol and Drug Rehab today at (877) 640-7820 to learn how we can help.

This insurance group is part of a major association that owns 36 health insurance companies across the country. These Blue Cross Blue Shield insurance companies are independently and locally operated and together, they make up the Blue System, also nicknamed BCBS. Each BCBS plan is state-specific, although you can choose from among the nationwide network of Blue Cross Blue Shield providers, so you’re not confined to using only rehab centers within your state.

Your specific policy will outline in more detail what the benefits are for treating alcohol and drug addiction, but most will cover substance use abuse treatment. Depending upon whether your plan is an HMO or PPO and which tier you’ve selected can also impact the benefits you’re entitled to for rehab treatment.

Does Blue Cross Blue Shield Cover the Cost For Rehab?

While Blue Cross Blue Shield does cover some or all of the cost for rehab, your specific insurance policy will specify what and how much of your care will be covered. If your clinician determines that you require a period of medical detox that will usually be covered by most BCBS policies.

Coverage for medically assisted detox would most likely be granted if you’re suffering from an addiction to alcohol or drugs like opioids or benzodiazepines, all of which typically require a period of detox that can be dangerous. The need for medical oversight during detox from these substances is always strongly advisable.

Your Blue Cross Blue Shield coverage may only encompass a portion of your detox and/or rehab treatment at WhiteSands. It’s in your best interest to get in touch with your insurance representatives at Blue Cross Blue Shield to determine your specific coverage levels for detox and rehab.

blue cross blue shield addiction coverage

How to Verify Your Blue Cross Blue Shield Insurance Benefits for Addiction Coverage

The intake coordinators at WhiteSands are happy to help you verify your benefits when you call (877) 640-7820. We will help you determine approximately what your out-of-pocket cost will be.

One way to verify your Blue Cross Blue Shield benefits for addiction coverage is to go to their website and log into your account. If you must use an in-network addiction center provider, you can search for one that’s within your area on their site.

You can also call Blue Cross Blue Shield directly and speak to a representative. Or you can call us at WhiteSands, and we can help you as much as possible to verify your insurance coverage over the phone or on our website.

Does Blue Cross Blue Shield Cover the Cost of Attending Rehab For Spouses or Children?

This will depend on the type of health insurance plan you have. You may have a plan that covers only you, one that covers just you and your spouse, or you might have a family plan that covers everyone in the family.

Tiers of Blue Cross Blue Shield and Benefits of Each Package

There are four tiers associated with Blue Cross Blue Shield’s health care insurance plans. The different levels are called Bronze, Silver, Gold, and Platinum.

The Bronze tier offers payment for about 60% of your medical fees. This plan has low monthly payments but comes with a high deductible.

The Silver plan covers approximately 70% of your medical costs. The monthly premiums are slightly higher than the Bronze tier with a lower deductible.

The Gold tier will pay around 80% of your medical bills, with higher monthly premiums and a low deductible.

The Platinum level covers nearly 90% of your medical costs, but this tier has the highest monthly payments and the lowest deductibles.

Does Blue Cross Blue Shield Cover the Cost of Inpatient Rehab?

Inpatient rehab treatment can last between 30 and 90 days, with living accommodations, meals and therapies included. Of course, this can become quite costly, but residential rehab is the most effective type of treatment program for individuals with moderate to severe substance use disorders with or without a co-existing mental health condition.

Your group Blue Cross Blue Shield insurance policy may very well cover some or most of these costs for inpatient rehab and ease your burden of responsibility so you can enjoy a successful, long-term recovery.

Does Blue Cross Blue Shield Cover Substance Abuse & Mental Health Residential Stays?

Blue Cross Blue Shield generally covers mental health care and substance abuse treatment. If your BCBS insurance is an Affordable Care Act Marketplace plan, your mental and substance abuse treatment services must be covered to a certain extent for inpatient and outpatient care.

Blue Cross Blue Shield does pay for mental health care, especially if your plan is purchased through the Healthcare.gov Exchange. Coverage is also available for mental health issues if your insurance policy is the Federal Employee Program Basic Option Plan. Most other BCBS also cover mental health disorders.

blue cross blue shield addiction coverage

Does Blue Cross Blue Shield Pay For Outpatient Rehab?

This insurance company usually does pay for outpatient rehab for substance use disorders. Insurance companies understand that outpatient treatment, particularly intensive outpatient programs, is quite effective in treating alcohol and drug addiction and co-existing mental health disorders.

Outpatient rehab is a good option for you if you aren’t suffering from any adverse medical conditions associated with your substance abuse issues, want to remain living at home, and must tend to the home, work, or school responsibilities while being treated for addiction.

How Long Will Blue Cross Blue Shield Cover the Rehab Stay For?

Your particular insurance policy will determine how long Blue Cross Blue Shield will pay for all or part of your rehab stay. The type of treatment program you engage in, the addiction center that’s chosen, and what your health care plan and behavioral health benefits entail all affect your length of stay coverage.

You can access some of this information if you call the phone number on the reverse side of your BCBS insurance card. You can also get in touch with one of our admissions advisors at WhiteSands to help you with this.

Call Us Now To Verify Your Insurance Benefits

Patients come to us from Tampa, Fort Myers, Orlando, Sarasota, Brandon, Gainesville, Naples, and more. At WhiteSands, we want to be sure you get the best care you need from our professional addiction specialists. If you get in touch with our intake counselors, we can help you begin to navigate and verify your Blue Cross Blue Shield insurance benefits today or determine which other providers we accept.

Does Blue Cross Blue Shield Cover The Cost Of Alcohol or Drug Rehab?

Once an insurance verification process is complete, it will be determined whether or not the cost of treatment is covered under your BlueCross BlueShield (BCBS) plan. Alcohol and drug rehab coverage and mental health treatments are offered under different tiers of coverage, so it is best to get in touch with the WhiteSands intake and admissions team to learn more.

Once it is determined whether your insurance tier can cover addiction treatment, the specialists will weigh the differences between inpatient and outpatient treatment. This will help you decide which rehab facility you will begin your treatment program at. 

Florida Blue Coverage for Addiction Treatment

Having Florida Blue coverage can help patients pay for treatment. WhiteSands is one of the top-rated drug and alcohol abuse rehab centers that accept most insurance plans. Since we cover addiction treatment and can promptly admit patients into rehab, individuals can get the quality help they deserve when they need it most.

Alcohol and drug abuse are serious and life-threatening diseases requiring various therapy. Blue Cross Blue Shield policies cover a host of therapies and treatments under each benefit plan. Get in touch with the team at WhiteSands Treatment Center today to learn more about your alcohol and drug rehab coverage.

Types of Treatment Available

There are many different types of therapy and treatment available at WhiteSands. Since we provide all levels of care, patients can receive evidence-based treatment from start to finish. Some of these include:

  • Drug and alcohol detox
  • Treatment for heroin addiction, meth addiction, Xanax addiction, cocaine addiction
  • Dual diagnosis for co-occurring disorders
  • Residential treatment/inpatient treatment
  • Partial hospitalization 
  • Behavioral therapy

Detox from Alcohol & Drugs

Before entering residential treatment, patients may go through a period of drug or alcohol detox. During medically assisted, patients will be administered detox medications on a gradual basis that help to lessen withdrawal symptoms and cravings. Once the detox process is complete, which takes anywhere between three and five days depending on the severity of the addiction, the patient will be ready to attend drug or alcohol addiction treatment. 

Seek treatment from WhiteSands today; your loved ones want to see you overcome and manage your addiction so you can lead a productive, fulfilled, and content life. 

Inpatient Alcohol & Drug Treatment

Inpatient treatment for drug or alcohol addiction will assist patients in how to manage their disease. The rehab facility creates a unique and individualized recovery program for each patient based on their specific struggles. A dual diagnosis treatment program will involve treatment and therapy for those with an underlying mental health condition and an alcohol or drug abuse problem. When a solid foundation for alcohol or drug addiction and mental illness is constructed, patients will have a better chance of succeeding in recovery.

During inpatient treatment, patients will reside in the residential accommodations that are situated on the facility grounds. They will attend treatment and therapy throughout the day between the hours of 8 AM and 4 PM. Once addiction rehab is complete for the day, patients are welcome to enjoy the host of amenities available on-site.

Outpatient Drug & Alcohol Treatment

Once inpatient treatment is complete, patients will be transitioned to outpatient rehab. Patients will attend treatment for several hours per day, however, instead of staying on the facility grounds, they are welcome to go home or to their sober living accommodations. During this level of care, patients will be connected with a substance use resource center where they can attend counseling and therapy sessions. 

IOP and PHP Rehab

WhiteSands Treatment center provides a full continuum of treatment options for patients beginning with inpatient treatment all the way through to outpatient treatment and beyond. There are two different types of outpatient treatment:

  1. IOP (intensive outpatient treatment)
  2. PHP (partial hospitalization program)

Our team will determine the right treatment option for you. We will also conduct a process to verify insurance coverage for the level of care you are seeking. The Blue Cross Blue Shield policies, or any other insurance provider, will explicitly outline what is covered under your unique benefits plan. 

Medication Assisted Treatment

For those with mental illness, such as bipolar disorder, or who are recovering from a severe addiction and require a long-term treatment plan, medication-assisted treatment (MAT) may be recommended. WhiteSands does cover the majority of treatment costs. However, this does depend on the tier of coverage you have with BlueCross BlueShield.

Telehealth Substance Abuse Treatment

When individuals can access help remotely from the comfort of their homes, they are likelier to succeed in long-term recovery. WhiteSands treatment facility helps facilitate outreach and aftercare programs, such as telehealth, so patients can access addiction resources whenever they need to. Whether individuals want to find local alcoholics anonymous (AA), support groups or are looking to develop healthy hobbies and habits such as taking up art therapy, telehealth can connect individuals to the tools they need. 

We are one of the top-rated rehabs that accept BlueCross BlueShield across the nation and are ready to get you into addiction rehab. We can also arrange a sober living home for you once residential treatment is complete so that you start your recovery journey off on the right foot. If you suspect that your insurance may cover rehab, get in touch with our team right away. Through our provider finder, we will uncover what sort of therapy and treatment is covered.


Once inpatient and outpatient drug and alcohol rehab is complete, patients will continue in their recovery journey with an aftercare program. Aftercare programs are often covered by insurance, and WhiteSands rehabs that accept Blue Cross Blue Shield will help facilitate, coordinate, and arrange your addiction recovery aftercare programs.

When aftercare is insured by Blue Cross Blue Shield rehab coverage, patients can have peace of mind knowing that their treatment plan is monetarily taken care of. This level of care can often include coverage for a sober living home as well; however, your coverage tier will vary depending on various factors. If the cost of treatment helps individuals obtain and sustain sobriety, then why wait any longer to seek treatment?

Florida BCBS Coverage for Addiction Treatment

We accept Blue Cross Blue Shield at WhiteSands Treatment. The well-known treatment provider has different tiers of coverage to help pay the costs of addiction recovery. If you are curious whether or not your BCBS tier covers drug or alcohol rehab, contact our center today. BCBS insurance is one of the leading insurance providers across the nation and at WhiteSands, we are proud to say that we accept most BCBS insurance plans.

If you are looking for the difference between inpatient vs outpatient rehab and whether or not Blue Cross Blue Shield coverage includes these levels of care, contact our team today. They will conduct an insurance verification to see what treatment costs are as well as what is covered.