New Directions Rehab Coverage
New Directions insurance offers rehab coverage. New Directions insurance is one of many independent insurance providers under the national network of Blue Cross insurance companies. New Directions Blue Cross health insurance plans offer healthcare throughout the nation.
All New Directions 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? Zinnia Health has facilities that are in-network with New Directions insurance. Learn more about Zinnia Health’s treatment facilities by calling our compassionate admissions navigators at (855) 430-9439. Our helpline is completely free and available 24 hours a day.
Does New Directions Blue Cross Insurance Cover Alcohol Rehab?
Yes, New Directions covers alcohol treatment services and detox programs.
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 New Directions 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. If you exceed your visits, you may have to pay out of pocket.
Does New Directions Blue Cross Insurance Cover Substance Abuse Treatment?
Yes, New Directions Blue Cross covers substance abuse treatment.
New Directions 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 New Directions’ free Find a Provider tool. Substance abuse treatment often involves an inpatient program, but it’s important to consider exclusions and restrictions.
For instance, the rehab center may need to request prior authorization before providing services. It’s a good idea to verify what your policy covers — not all plans cover rehab facilities offering experimental (or experiential) treatments.
Your actual coverage could be as high as 90% of your total treatment costs, but this varies by plan.
Does New Directions Blue Cross Cover Mental Health Treatment?
Yes, New Directions covers mental health treatment services and other behavioral health care.
New Directions 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.
New Directions Blue Cross Inpatient Coverage
The level of coverage provided by New Directions Blue Cross for inpatient treatment options depends on your plan. However, your insurance will pay some portion of your inpatient treatment costs. Some plans have no out-of-network care, such as a New Directions Blue Cross Gold level HMO.
Many health insurance providers, including New Directions 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.
New Directions Blue Cross Outpatient Coverage
Outpatient treatment is covered for those with a New Directions health insurance plan, but the coverage level depends on your plan type. If you don’t have a plan yet, there are several New Directions 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 New Directions 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 New Directions Blue Cross insurance, look for an inpatient or outpatient rehab facility operated by Zinnia Health.
Zinnia Health offers convenient locations around the country. Some of our facilities work with New Directions health insurance. Our substance abuse treatment specialists are especially experienced with clients in need of dual-diagnosis treatment. Call our admissions line to see if your policy is accepted.
Our locations include:
- Rhode Island:
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 New Directions Blue Cross Coverage
With more than 30 independent providers in the national insurance network, speak directly with your New Directions Blue Cross insurance provider. New Directions Blue Cross also offers resources to help you learn more about the New Directions network of providers.
- Locate your insurance card. You will need to know the first three characters of the Identification Number shown on your card.
- Head to the New Directions insurance website. Follow New Directions’ login instructions.
- Find your information. Search for or compare plans as a guest or log in to your account on this page to view your benefits.
New Directions can help if you haven’t received your card or can’t find it.
Types of New Directions Blue Cross Plans That Cover Addiction Treatment
All health insurance plans cover addiction treatment, but the 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 a 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 typically 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 New Directions 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 New Directions 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 New Directions 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 New Directions Blue Cross Doesn’t Cover Rehab?
New Directions Blue Cross covers some costs of rehab, behavioral health services, mental health types of co-occurring disorders, and healthcare for other health conditions in most cases. However, it might not cover certain facilities or intensive outpatient programs (IOPs), 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 (and other factors such as where you bought it, if it’s Medicaid or Medicare, etc.) 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.