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Blue Cross Blue Shield Substance Abuse Rehab Insurance Coverage

On this page, you will learn about Blue Cross Blue Shield health insurance coverage for substance abuse treatment and how to confirm what benefits are available under your specific plan.
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Blue Cross Blue Shield

Provider Overview

If you are looking for a program for rehab, one of your first questions is likely to be, “Does insurance cover drug rehab?” If you have healthcare coverage through Blue Cross Blue Shield (BCBS), your insurance plan provides you with benefits for addiction treatment coverage at some level.

Blue Cross Blue Shield is made up of 36 companies that insure 1 in 3 Americans. 1 Your Blue Cross Blue Shield Health Plan usually covers drug or alcohol treatment offered by rehab centers, but the amounts of copays and deductibles vary from one plan to another.

Blue Cross Blue Shield partners with American Addiction Centers (AAC) at several AAC facilities. To learn more, call AAC at or use our online insurance checker to determine if your plan provides coverage at one of our facilities.

Blue Cross Blue Shield Health Plans

Blue Cross Blue Shield Health Plans offer a variety of coverage levels. In most states, they are categorized as Bronze, Silver, and Gold plans. Bronze plans typically cover 60% of the overall costs of treatment. Silver plans pay 70%, and Gold plans usually cover 80% of treatment. Some states also offer Platinum coverage, which pays for 90% of covered costs of services. The plans that offer more coverage are usually more expensive.

Federal employees have BCBS health plans, usually with a deductible of $350 per individual and $700 per family.2 Addiction treatment coverage is the same as other medical issues.2  Blue Cross Blue Shield also offers products for Medicare and Medicaid that cover more than 7 million Americans through a Blue Cross Blue Shield Medicaid program.3,4

Does Blue Cross Blue Shield Health Insurance Cover Addiction Treatment?

Your Blue Cross Blue Shield therapy coverage and benefits are based on the type of plan you have. You can check underneath or call the phone number on the back of your card to verify your Blue Cross Blue Shield mental health coverage.

If you need addiction treatment and have BCBS health insurance, you will likely have coverage and benefits for the substance use disorder treatment that you need. While the coverage may vary from one state to another, you are likely to find a substantial portion of your alcohol and drug rehab costs will be covered.


Does Blue Cross Blue Shield Cover Inpatient Addiction Treatment?

Blue Cross Blue Shield offers numerous plans with various levels of benefits and coverage. If you are going to receive inpatient treatment, your addiction treatment coverage will typically cover costs beyond those met by your deductible (the amount you pay out-of-pocket before coverage starts). You typically also have a co-pay, which is a percentage of the overall cost of treatment. Most co-pays range from 10% to 20% of treatment costs.

The co-pay and deductible will vary based on your level of coverage through your Blue Cross Blue Shield health insurance plan. Federal BlueCross BlueShield, for example, offers a plan where you pay $350 per addiction treatment admission and no further co-pays.2


Does Blue Cross Blue Shield Cover Outpatient Addiction Treatment?

Benefits for your Blue Cross Blue Shield health plan for outpatient rehab will also vary based on your level of coverage. If you have a Bronze, Silver, Gold, or Platinum plan, you will pay 60%, 70%, 80%, or 90% of the costs, respectively.

If you are a Federal employee, you will pay a certain percentage based on which Federal Blue Cross Blue Shield plan you have chosen.

Does Blue Cross Blue Shield Cover Drug and Alcohol Rehab?

The short answer is yes, Blue Cross Blue Shield does cover rehab treatment for substance abuse. The type of treatment however does depend on the coverage levels of your insurance policy.

You can check your plan’s specific healthcare benefits and coverage by going online here.

You can also call and check with BCBS directly by calling the number on the back of your health insurance card. Blue Cross Blue Shield also offers an online resource center for members who are seeking information regarding options for substance abuse treatment.5

Does Blue Cross Blue Shield Cover Mental Health Treatment?

In 2008, Congress passed the Mental Health Parity and Addiction Equity Act to ensure coverage of treatment for mental health care and addiction. This includes treatment for co-occurring disorders—a term used to describe when someone has a mental health diagnosis (e.g., anxiety, depression, PTSD) along with substance use disorder. The extent to which addiction and mental health treatment are covered and for how long depends on your insurance plan.

Blue Cross  Blue Shield can help coordinate care for you when you access treatment. If you are a BCBS member and need to access mental health care and addiction treatment, take comfort in knowing your insurance provider is committed to caring for members with mental health conditions. Most treatment facilities offer co-occurring disorder treatments for people who have mental health conditions and addiction to drugs and alcohol.

Related Guides on Rehab Treatment Covered by Insurance


Check Your Policy Coverage

With the form below you can quickly and privately check your insurance benefits to see if you're covered for addiction treatment services. We’ll be able to tell you if your policy is in-network at an American Addiction Centers location.
Verification of Benefits Form

Please fill out the form below to verify your insurance coverage.

* These fields are required

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John
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Smith
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(555) 555-5555
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jsmith@mail.com
MM/DD/YYYY
Aetna
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How to Read Your Insurance Provider Card
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  • 1Insurance Provider Name
  • 2Policy Member's Full Name
  • 3Policy Membership/Subscriber ID
Verification of Benefits Form

Please fill out the form below to verify your insurance coverage.

* These fields are required

*
John
*
Smith
*
(555) 555-5555
*
jsmith@mail.com
MM/DD/YYYY
Aetna
WXY1030Z0
Disclaimer
HIPAA Badge
AAC Locations

Learn more about our treatment facilties

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.
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Frequently asked questions

Does Blue Cross Blue Shield Cover Addiction Treatment Therapy?
Yes, Blue Cross Blue Shield (BCBS) provides coverage for substance abuse treatment at least to an extent, as stipulated under the Affordable Care Act.1 Depending on your plan, different portions of the cost of treatment will be covered. Patients can check the details of their plan by contacting Blue Cross Blue Shield using the phone number on their health insurance card. Alternatively, they can call their chosen rehab center’s helpline to verify their insurance.7 BCBS has also set up their own substance abuse resource center as well as assembled a directory of SUD treatment providers to help treatment seekers find research-based support.8,9
Does Blue Cross Blue Shield Cover the Cost Of Sober Living?
For patients who need support during their transition from inpatient treatment, Blue Cross Blue Shield offers coverage for ancillary services, including stays in sober living houses.15 You can call Blue Cross Blue Shield to request support and check your insurance coverage.15
What Behavioral Health Treatments Does Blue Cross Blue Shield Cover?
Under the Mental Health Parity and Addiction Equity Act, mental health care and SUD treatment has to be covered by insurance as much as any surgical or medical care.10 This encompasses counseling and psychotherapy for co-occurring mental health disorders, such as depression or anxiety, which coexist with a substance use disorder. The exact scope of coverage for behavioral health treatment varies based on your health plan.13
Does Blue Cross Blue Shield Cover Medication-Assisted Treatment?
Yes, BCBS can cover your medication-assisted treatment at least in part. The level of coverage will differ according to your plan, which you can check by contacting your provider.7 Public health insurance Medicaid, which is provided through a Blue Cross Blue Shield program, has to cover it.11,12
Does Blue Cross Blue Shield Cover Prescription Drugs Abuse Treatment?
Blue Cross Blue Shield covers different levels of care for a variety of substance use disorders, which may include treatment of prescription drug abuse. Coverage is based on several factors, such as your plan and different legal policies.17 You can check your benefits by contacting the provider directly or by getting in touch with a rehab facility.
Does Blue Cross Blue Shield Cover Suboxone Treatment? 
Since suboxone (buprenorphine) has been approved by the FDA as a treatment option for opioid use disorder, most rehab facilities make it available and your BCBS plan may cover it.13
Does Blue Cross Blue Shield Cover Couples Therapy for Addicted Couples?
Your BCBS benefits plan may cover different psychotherapeutic approaches, including individual, group, family, and couples therapy. However, this depends on your coverage tier. You can verify your insurance by reaching out to Blue Cross Blue Shield or a treatment provider.14
What Should I Do if Blue Cross Blue Shield Won't Cover the Total Cost of Rehab?
Even if Blue Cross Blue Shield doesn’t cover the entire cost of treatment, this should not deter you from seeking support as there may still be other available options. Many rehab centers provide payment plans that can help patients cover their treatment expenses.16 For example, they may offer sliding scale payment or another form of financial aid.16