blue cross blue shield insurance
ADDICTION TREATMENT WITH BLUE CROSS BLUE SHIELD
One avenue of finding treatment is first understanding what treatment your insurance provider can cover. Individuals who are covered by Blue Cross Blue Shield in Salt Lake City, UT will need to consider which insurance plan that they are covered by. There are also tiers to the Blue Cross Blue Shield plans and they will need to understand the terms of their tier as well. Blue Cross Blue Shield plans include Regence Essential EPO, Regence HSA EPO, and Regence Care on Demand EPO. Most of the tiers in these plans offer drug treatment coverage. However, depending on the plan there are likely still deductibles and co-pays. The monthly premium and deductible vary by plan as well, with the Essential EPO being the moderate option. Once you have understood your plan and its coverage of addiction treatment it is important to understand HMO and PPO plans as well.
The Different Coverage Plans
Health Maintenance Organizations and Preferred Provider Organization are two different coverage plans. Selecting the one that is going to best work for you or a loved one is important. To start, if you are looking for the financially friendlier option, you may want to select an HMO. HMO’s are the more cost-effective option, but they are less flexible than a PPO plan. When an individual has an HMO they will need a Primary Care Physician (PCP). The individual can only receive treatment with a referral from the PCP. The PCP will advise an in-network facility since out-of-network providers are not covered under an HMO. An individual with a PPO on the other hand will not need a PCP, nor will they need a referral. However, they will need to file a claim to be reimbursed and these plans have a higher cost.
DISCOVER YOUR OPTIONS
When trying to figure out your treatment options, all of this jargon can be a considerable amount to take in! The reality of it is, it’s okay to have questions about your treatment options. Navigating insurance pages can get tedious, and all of the fine print can start to get confusing. We’re here to break all of that down for you, give us a call at 385-327-7418 and we can go over your options together!
WHERE TO LOOK
A quick way to determine whether or not your insurance plan covers addiction treatment is to visit your provider’s website. You will want to look at the behavioral and mental health section to discover treatment options. More so, your provider’s website will likely also be able to tell you which facilities are covered by your plan. We are also available to assist with discussing your plan as well.
I’M NOT COVERED, NOW WHAT?
Individuals who are not covered by an insurance plan have options too. There are several cities throughout Utah that accept both Medicare and Medicaid. While Medicare does not specifically cater to addiction, it offers treatment coverage when addiction is severe and treatment is necessary. Both in-patient and outpatient services can be covered by Medicare. Additionally, Medicaid in Utah can cover treatment for both drug and alcohol addiction. Medicaid covers both in-patient residential and out-patient.
If neither of these coverage options is available to you, many facilities offer payment assistance. There are facilities that allow payments on a sliding fee scale for those who need that form of payment as well. It is important to remember that there are always options. No matter your coverage needs there is likely a facility that will be able to work for you and allow you or a loved one to receive the care they need.
THERE IS ALWAYS HELP
No matter your coverage needs, you can receive treatment. Remember to consider the treatment plan you may already have, and which tier you fall under. Your tier will likely correlate with whether or not you will owe a deductible or co-pay. All of this information can get overwhelming, and that is the last thing we want you to feel while seeking treatment. Call 385-327-7418 today and let us do the hard work for you. We can solve any uncertainty you have, and make exploring your treatment options one less thing for you to worry about.
Your provider’s plan and website should provide plenty of information about treatment coverage. You decide what to do next, we offer assistance on the course of action, and can assist with finding the right treatment center for you or a loved one. Consider the potential patient’s specific needs and see how your coverage fits those needs. It is important one receives specialized care and there is a world of treatment available, regardless of one’s coverage. Don’t be afraid to reach out, we are able to assist in finding the perfect treatment that is going to work with your coverage needs.