Blue Cross Blue Shield Covered Drug Rehab Programs in Florida
Blue Cross Blue Shield is one of the largest healthcare insurance providers within the United States and provides health insurance for Florida residents. Blue Cross Blue Shield in Florida covers drug rehab programs and different services for families or individuals that struggle with substance abuse. The individuals and families that use their Blue Cross Blue Shield insurance plans to cover drug rehab costs can take advantage of significantly reduced costs. In some cases, their entire stay is covered by health insurance. However, the extent of coverage and what is paid for by BCBS health insurance in Florida depends on the health insurance plan and needed services.
The rehabilitation process involving health insurance varies and depends on what health insurance covers and what the family or addict pays for. The first step with drug rehab involves drug detox to manage withdrawal symptoms and ease cravings. Typically, the severity of withdrawal and drug addiction determines what type of drug detox is needed. The two most common drug detox options in Florida are medical detox and clinical drug detox. However, drug detox should not be considered the only approach because it does not provide adequate counseling or therapy. The next phase of drug rehab in Florida with health insurance is a residential or outpatient drug rehab program. Typically, health insurance can help cover either option. Still, there are different Blue Cross Blue Shield options for families and individuals.
How Does Private Health Insurance Cover Drug Rehab in Florida?
The process of how private health insurance like Blue Cross Blue Shield covers drug rehab in Florida depends on the type of health insurance plan. Many families and individuals cannot afford private drug rehab or are unable to access public drug rehab programs in Florida. The Affordable Care Act has made it possible for people to access drug rehab; however, not every person has this access. Families and individuals with health insurance should take advantage of their health insurance plan to pay for some or all the cost of drug rehab in Florida. The two most common health care plans are Health Maintenance Organization plans and Preferred Provider Organization plans.
An HMO plan allows patients to choose their primary care physician and see that doctor for most of their medical needs and treatment. The plan also allows the individual to form a relationship with a doctor or healthcare provider. In addition, they can access services outside of the network with a referral from their primary care physician. Typically, HMO plans have lower or no deductibles, and overall coverage is usually a lower cost to the insured. HMO plans provide good coverage for those not seeking a specialist and healthcare providers out of their network in Florida. A PPO plan allows patients to see healthcare providers in Florida and out of their network without referrals. However, a PPO can have a higher deductible than those with an HMO plan.
What Type of Drug Rehab Does Blue Cross Blue Shield Health Insurance Cover in Florida?
Blue Cross Blue Shield in Florida generally covers services for drug rehab, drug detox, counseling, and therapy, but each plan is different. Some of the following health insurance services for drug rehab in Florida include medically supervised drug detox, outpatient treatment, residential or inpatient drug rehab, medication-assisted treatment, and counseling services. Other drug rehab services may include short-term drug rehab, long-term rehabilitation, behavioral therapy, and partial hospitalization programs. Typically, each of the Blue Cross Blue Shield plans offers different coverage levels for their clients. While most services are covered by health insurance, each service is covered at a specific percentage level for each plan. A drug rehab center can help walk a family through the application process.
For example, someone on the bronze plan will pay a lower monthly premium with a higher deductible and bigger copays for some drug rehab services in Florida. Someone that is on the gold plan may pay a higher monthly premium. Still, the deductible is lower, and they usually pay less for some of the drug rehab services. Every health insurance plan that Blue Cross Blue Shield offers in Florida is tailored to the policyholder. When using health insurance to pay for drug rehab and cover costs, it is important to first speak to the health insurance provider and find out what is covered through the health plan. Also, drug rehab centers in Florida know what services are covered and can walk a family through their health insurance policy to find out what is covered for substance use treatment.
Family Intervention for Drug Addiction in Florida
It is not easy to watch someone struggling with drug addiction refuse help or not admit they have a drug addiction. The family may have made arrangements to access drug rehab programs in Florida through their Blue Cross Blue Shield health insurance. Still, their loved one refuses to accept treatment. Family intervention in Florida for drug addiction motivates individuals to seek help for their substance abuse and accept treatment. The best way to plan and organize a family intervention is by hiring a professional certified family interventionist. A family intervention presents the addict with a structured opportunity to make changes before the drug addiction becomes even worse.
A family intervention is a carefully planned process done with family, friends, and an interventionist. During the intervention, these people gather together to confront the addict about the consequences of drug addiction. With the help of a professional interventionist, the individual is provided specific examples of destructive behaviors and their impact on the addict and their family. Family intervention in Florida also offers prearranged treatment plans with clear steps, goals, and guidelines.
Health Insurance for Drug Rehab and Drug Addiction Trends in Florida
In 2018, according to the United States Census Bureau, approximately 13% of the population in Florida was without health insurance. In addition, 62.3% had private health insurance plans, and 37.1% had public health insurance plans. Health insurance is used to cover some of the cost of substance abuse treatment and behavioral health services. In 2021, 2.1 million people enrolled in private plans through Florida’s exchange during the open enrollment period. Over 40% of people in Florida have health insurance through an employer, 17.4% are covered through Medicaid, 18% have Medicare, and 9.5% are through a non-group health insurance plan.
Sources
https://www.census.gov/library/stories/2019/11/state-by-state-health-insurance-coverage-2018.html
https://www.healthinsurance.org/health-insurance-marketplaces/florida/
