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Blue Cross Blue Shield (BCBS) Insurance for Addiction Treatment

Blue Cross Blue Shield (BCBS) policies insure 114 million people in the US as of 2022. That’s more than a third of the nation’s population. Nationwide, more than 1.7 million doctors and hospitals contract with Blue Cross Blue Shield companies. In California, BCBS works with tens of thousands of doctors and hundreds of hospitals.

If you’re looking for a Los Angeles rehab that accepts BCBS, our helpful administrative team can help you verify your coverage and understand your benefits.

Does BCBS Cover Addiction Treatment?

Yes, many Blue Cross Blue Shield plans cover substance use disorder treatment and mental health care services.

BCBS substance abuse treatment services may include:

Coverage for these services varies from plan to plan. For example, with some plans you must meet your deductible before rehab insurance coverage kicks in. After that point, treatment may be partially or completely covered.

The team at Lumina Recovery can help you make sense of your benefits and understand what is covered and how much. We will do everything possible to ensure you get all the benefits you are entitled to.

How the Affordable Care Act (ACA) Protects You

Under the Affordable Care Act (ACA), all plans sold through the health insurance exchanges (such as Covered California) must cover mental health disorders, substance use disorders, and treatment for alcohol and chemical dependency.

Additionally, federal law states that if a plan offers coverage for mental health and substance use disorder treatment, it must cover these services in the same way as it covers most medical and surgical services. This is called “parity.”

California law offers additional protections by requiring every California plan—regardless of where you obtained it—to cover certain mental health conditions.

While most individual and employer-based group insurance plans today provide some coverage for mental health and substance abuse treatment, not all do. Our admissions team can help you to verify your benefits.

Our staff will help you make sense of your plan and get the maximum amount of coverage you are entitled to.

The ACA protects you in many ways; however, it does not guarantee that Lumina Recovery works with your BCBS insurance plan. The best way to find out is to contact us.

How to Check Your Insurance Benefits

Our helpful administrators will help make sense of what your plan covers and walk you through how to check your benefits online. It’s important to verify what your plan covers before you start treatment so there are no surprises down the line.

Even if your plan doesn’t cover everything, Lumina Recovery offers financing options. Here are some possible ways to pay for out-of-pocket treatment costs:

  • Payment plan with monthly installments
  • Lump sum (some health and wellness credit cards offer 0% balance transfer and special financing options for medical expenses)
  • A financial loan or gift from trusted family members

Finances shouldn’t be a barrier to getting life-changing treatment. Our team will do everything possible to help you get the care you need. Verify your insurance benefits or call us today at (877) 716-7515 to learn more.