Does Blue Cross Blue Shield Cover Drug and Alcohol Addiction Treatment?
Yes, many Blue Cross Blue Shield (BCBS) plans include coverage for drug and alcohol addiction as well as mental health conditions. However, the amount of coverage depends on your policy. The Mental Health Parity and Addiction Equity Act require health insurance companies and group health plans to provide equal coverage for mental health services, including treatment for substance use disorder (SUD), as they do medical coverage.1
This act was created to expand mental health and substance use coverage for people across the country. As a result, many BCBS companies may provide affordable coverage, and that is reflected in the pricing. The amount of coverage you have can vary widely based on several factors, such as the state you live in, whether the facility is in-network or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will also depend on the rehab center you attend, including the type of program (e.g., inpatient vs. outpatient), and the services received.
Blue Cross Blue Shield Plans
The Blue Cross Blue Shield Association is made up of 36 health insurance companies that are independently owned and operated. The Blue Cross Blue Shield (BCBS) Service Benefit Plan, also known as the Federal Employee Program (FEP), provides coverage for more than 5.5 million federal employees, retirees, and their families.2
BCBS has individual and family plans that include the bronze, silver, gold, and platinum plans (categories are dependent on your state). Bronze plans have the lowest cost, and the price of plans goes up from there and includes silver, gold, and platinum.3