Blue Cross Blue Shield Covered Drug Rehab Programs in Texas
Blue Cross Blue Shield is one of the largest healthcare insurance providers across the United States. Blue Cross Blue Shield in Texas covers drug rehab programs and different services for families or individuals that struggle with drug addiction. The individuals that use their Blue Cross Blue Shield insurance plans to cover the costs of drug rehab can take advantage of significantly reduced costs, and in some cases, their entire stay is covered by the health insurance. However, the extent of coverage and what is paid for by BCBS health insurance depends on the health insurance plan.
The rehabilitation process involving health insurance varies and depends on what health insurance covers and what the family or addict pays for, or what is funded at the state level. The first step with drug rehab involves drug detox to manage withdrawal symptoms and cravings. Typically, the severity of withdrawal and drug addiction determine what type of drug detox is needed. However, drug detox should not be considered the only approach because it does not provide adequate counseling or support. The next phase of drug rehab with health insurance is a residential or outpatient drug rehab program. Typically, health insurance can help cover either option, but there are different Blue Cross Blue Shield options.
How Does Private Health Insurance Cover Drug Rehab in Texas?
The process of how private health insurance like Blue Cross Blue Shield covers drug rehab depends on the type of health insurance plan. Many people are not able to afford private drug rehab or are unable to access public drug rehab programs in Texas. The Affordable Care Act has made it possible for people to access drug rehab. Families and individuals that have health insurance should take advantage of their health insurance plan to pay for some or all the cost of drug rehab in Texas. 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. The plan also allows the individual to form a relationship with a doctor and 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. HMO plans good coverage for those who are not seeking a specialist and healthcare providers out of their network. A PPO plan allows patients to see healthcare providers in 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 Texas?
Blue Cross Blue Shield generally covers services for drug rehab, but each plan is different. Some of the following services that health insurance covers includemedically supervised drug detox, outpatient treatment, residential or inpatient drug rehab, medication-assisted treatment, and counseling. Other drug rehab services may include short-term treatment, long-term treatment, behavioral therapy, and partial hospitalizationprograms. Typically, each of the Blue Cross Blue Shield plans offers different coverage levels. While most services are covered by health insurance, each service is covered at a specific percentage level for each plan.
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. Someone that is on the gold plan may pay a higher monthly premium, but the deductible is lower and usually pay less for some of the drug rehab services. Every health insurance plan that Blue Cross Blue Shield offers in Texas is tailored to the policyholder. When using health insurance to pay for drug rehab and cover costs, it is important to speak to the health insurance provider first and find out what is covered. Also, drug rehab centers in Texas know what services are covered and can walk a family through their health insurance policy.
Family Intervention for Drug Addiction in Texas
It is not easy to watch someone struggling with drug addiction refuse help or not admit they have a problem. The family may have made arrangements to access drug rehab in Texas through their Blue Cross Blue Shield health insurance, but their loved one refuses to accept help. Family intervention in Texas for drug addiction motivates the individual to seek help for drug addiction. The best way to plan and organize a family intervention is with the help of a certified interventionist. A family intervention presents the addict with a structured opportunity to make changes before things get even worse.
A family intervention is a carefully planned process that is 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 also offers prearranged treatment plans with clear steps, goals, and guidelines. The certified interventionist also helps the family spell out what each person will do if the addict refuses treatment.
Health Insurance and Drug Addiction Trends in Texas
According to the United States Census Bureau, in 2018, 91.1% of people in the United States had health insurance. Health coverage rates ranged from 82.3% of people in Texas to 97.2% of people in Massachusetts, for example. Within Texas, approximately 17.7% of people were without health insurance, while 61.8% had private health insurance, like Blue Cross Blue Shield, and 29% had public health insurance. Health insurance is used to cover some or all the costs of drug rehab in Texas. According to the Behavioral Health Barometer for Texas, among people aged 12 or older, from 2015 to 2017, 6.3% had a substance use disorder in the past year. When compared to the national and regional averages, it was slightly lower.
Sources-
https://www.census.gov/library/stories/2019/11/state-by-state-health-insurance-coverage-2018.html
https://www.samhsa.gov/data/sites/default/files/cbhsq-reports/Texas-BH-BarometerVolume5.pdf
