Independence Rehab Coverage
Independence insurance offers rehab coverage. Independence insurance is one of many independent insurance providers under the national network of Blue Cross insurance companies. Independence Blue Cross health insurance plans offer healthcare throughout the nation, but residents must live in southern Pennsylvania or receive their insurance through a Pennsylvania-based company.
All Independence Blue Cross Blue Shield health insurance plans cover some mental health and drug and alcohol addiction treatment services. Under the protection of the Affordable Care Act, these are considered essential health benefits. Nevertheless, the amount covered varies between healthcare providers and can depend on your location, chosen plan, the treatment methods you’re considering, and other variables.
Do you need to find an insurance plan for yourself or a loved one that covers the cost of drug abuse treatment? If you need help understanding your insurance benefits, especially as they apply to addiction treatment, Zinnia Health has facilities that are in-network with Blue Cross Blue Shield insurance. Learn more about Zinnia Health’s treatment facilities by calling (855) 430-9439.
Does Independence Blue Cross Insurance Cover Alcohol Rehab?
Yes, Independence covers alcohol treatment services.
The Affordable Care Act established certain essential benefits for insured individuals, and alcohol rehab and substance abuse treatment are considered essential care services. All insurance carriers in the Marketplace, including Independence Blue Cross, must cover at least a portion of the costs associated with alcohol rehab and for substance abuse and substance use disorders (SUDs). Some companies may only cover evidence-based — and not experimental — therapies.
Often, entering alcohol rehab requires detox before entering a residential treatment facility or beginning an outpatient program. With outpatient rehab, you may need to consider expenses like per-visit copays. There may also be a limit on the number of visits per policy period. You may have to pay out of pocket if you exceed your visits.
Does Independence Blue Cross Insurance Cover Substance Abuse Treatment?
Yes, Independence Blue Cross covers substance abuse treatment.
Independence Blue Cross plans offer insurance benefits to cover both inpatient and outpatient substance abuse treatment programs. If you don’t yet have coverage or you want to find a provider in your area, you can use Independence’s free Find a Doctor link.
Substance abuse treatment often involves an inpatient program, but it’s important to consider exclusions and restrictions. Independence Blue Cross offers multiple resources and is a leader in helping overcome the opioid epidemic.
For instance, Independence BCBS doesn’t require prior authorization for opioid treatment and offers 100% coverage for the latest medications used for treatment.
Your substance abuse treatment coverage could be as high as 90% of your total treatment costs, but this varies by plan.
Does Independence Blue Cross Cover Mental Health Treatment?
Yes, Independence BCBS covers mental health treatment services and other behavioral health care.
Independence Blue Cross plans offer coverage for mental health disorders and related treatments. However, coverage for substance abuse and mental health services is in the same category and share coverage on your plan, so this might mean that drug rehab could reduce your coverage for mental health services. Health benefits generally reset at the start of a new policy period.
Independence Blue Cross Inpatient Coverage
The level of coverage provided by Independence Blue Cross for inpatient treatment options depends on your plan. However, your insurance will pay some portion of your inpatient treatment costs.
Many health insurance providers, including Independence Blue Cross and Blue Shield, cover drug abuse treatment but may limit coverage of certain services. For instance, experimental treatment methods, such as hypnotherapy or experiential treatment methods, like those at outdoor or wilderness camps, may not be covered even if the program is for helping people with mental health or substance use disorder.
Independence Blue Cross Outpatient Coverage
Outpatient treatment is covered for those with an Independence health insurance plan, but the coverage level depends on your plan type. If you don’t have a plan yet, there are several Independence Blue Cross plan types.
When assessing plan benefits, it’s important to consider coverage caps. For instance, some plans may not cover any out-of-network doctor visits at all, while others may have a cap on the number of visits or “stays” per policy period.
Intensive outpatient treatment programs or partial hospitalization programs (PHPs) may:
- Require prior authorization for coverage.
- Demand several appointments each day or week.
If you forget to obtain your primary care provider’s authorization or the demands of your chosen program don’t align with your policy benefits, you could be looking at potentially high out-of-pocket costs.
If you need assistance finding your insurance coverage information, reach out to a compassionate admissions specialist at Zinnia Health by calling (855) 430-9439. With your permission, we can contact your insurance company on your behalf and find out your exact levels of coverage.
Rehabs That Accept Independence Blue Cross Insurance Near You
Regardless of its state of origin, Blue Cross Blue Shield coverage applies across the nation. If you’re looking for an in-network facility that accepts Independence Blue Cross insurance, look for an inpatient or outpatient rehab facility operated by Zinnia Health. Many of our facilities are in-network with Blue Cross Blue Shield.
Zinnia Health offers convenient locations around the country. Our substance abuse treatment specialists are especially experienced with clients in need of dual-diagnosis treatment.
Our locations include:
California:
Indiana:
Rhode Island:
Colorado:
Florida:
- Zinnia Health Miami | Miami
- Zinnia Health Lake Okeechobee | Lake Okeechobee
- Zinnia Health Deerfield Beach | Deerfield Beach
If you would like to speak with a treatment specialist who can help you find in-network drug and alcohol rehab programs in your area, reach out to Zinnia Health at (855) 430-9439 to learn more.
How to Check Your Independence Blue Cross Coverage
With more than 30 independent providers in the national insurance network, speak directly with your Independence Blue Cross insurance provider. Independence Blue Cross also offers links to help you find doctors, hospitals, and facilities within the Independence network of providers and check your coverage. Simply log in if you’re already a member, or enter your location and click to search.
Independence can help if you haven’t received your card or can’t find it.
Types of Independence Blue Cross Plans That Cover Addiction Treatment
All health insurance plans cover addiction treatment, but your actual coverage amount varies depending on the type of plan.
- Bronze plans typically cover 60% of the costs of most services, including mental health and substance use disorder treatment. This means you’re responsible for 40% of the costs.
- Silver plans typically cover 70% of the costs of most services, including mental health and substance use disorder treatment. Your responsibility will be 30% of the costs.
- Gold plans typically cover 80% of the costs of most services, including mental health and substance use disorder treatment. You’ll be responsible for 20% of the costs.
- Platinum members enjoy 90% coverage for most healthcare services and only 10% out-of-pocket costs.
These plan tiers align with the standards set by the Affordable Care Act. However, your plan may cover substantially more (or less), depending on variables like your deductible, your coinsurance costs (if any), and whether you have personal accident, vision, dental, or other care included in your plan.
In addition to checking your coverage, you also need to assess your annual deductible, out-of-pocket maximum, and access to out-of-network services. For instance, if your plan has a low annual deductible of $500, you only have to pay that amount for your care, and then your plan’s coverage takes over. But low deductibles mean higher monthly premiums.
The highest deductible means you’ll have the lowest premiums, but you’ll have to pay more before your coverage takes over. Once you’ve reached your policy’s out-of-pocket maximum, your insurance policy begins covering all your costs.
Learn more about mental health and substance abuse treatment policies at Healthcare.gov.
Frequently Asked Questions
What Length of Stay Will Independence Blue Cross Cover?
There are caps on how long you can stay in an inpatient facility and how many outpatient visits you can make each calendar year. These limits vary from one health plan type to the next, so it’s important to contact your local Blue Cross Blue Shield Association for more information about your benefits.
How To Pay for Costs Independence Blue Cross Doesn’t Cover?
Insurance rarely covers 100% of treatment costs for drug and alcohol abuse, opioid treatment programs, or any other type of treatment. If you’re worried about covering the out-of-pocket expenses, like copays, deductibles, treatments that Independence may not cover, or other terms of your policy, call and speak directly to the treatment facility you’re considering.
Many facilities offer payment plans and grants or can put you in touch with other programs that may cover your out-of-pocket expenses.
What To Do If Independence Blue Cross Doesn’t Cover Rehab?
Independence Blue Cross covers some costs of rehab, behavioral health, or mental health types of co-occurring disorders, and healthcare for other health conditions in most cases. However, it might not cover certain facilities, especially those that employ nontraditional techniques.
If you have chosen a treatment provider but are worried about the cost of drug or alcohol recovery, speak to the treatment center. A rehabilitation center can give you information on grants, payment options, and other alternatives to ensure you get the care you need.
Do Rehab Facilities Need to Be In-Network?
The type of health insurance plan you have determines whether an inpatient rehab center needs to be in-network. With HMO plans, you’ll only receive coverage if you see someone in your network. With PPO plans, you have some coverage for all providers but less coverage for those out of network.
If you have questions about your insurance coverage or our accredited treatment facilities, call us at Zinnia Health on our free 24-hour helpline at (855) 430-9439 to get answers.