Blue Cross Blue Shield of Michigan: Rehabs & Detox Centers in MI That Take BCBS

In 2018, approximately 78% of drug overdoses in Michigan involved at least one opioid.¹ That same year, Michigan providers wrote 63 opioid prescriptions for every 100 persons, which was higher than the national average.¹ Within the 2017-2018 timeframe, there were 599,000 people in Michigan living with a substance use disorder (SUD).² And by June of 2020, 40% of adults across the U.S. reported struggling with mental health or substance use, correlating with the stress of a global pandemic.²

The need for treatment is on the rise in Michigan and throughout the U.S., but the good news is, help is available. With your BCBS of Michigan plan, you may be able to receive full or partial coverage for addiction treatment, including detox, inpatient and outpatient rehab, and long-term residential treatment.

What Is Blue Cross Blue Shield of Michigan?

Blue Cross Blue Shield of Michigan is a nonprofit mutual insurance company founded in 1939.³ Today, BCBS of Michigan is the state’s largest health insurance provider, serving over 4.5 million members within Michigan and another 1.6 million members out of state.³ BCBS of Michigan also boasts the biggest network within the state, with over 33,000 doctors and 152 hospitals participating in the network.³

BCBS of Michigan offers health plans for individuals, families, and Michigan-based employers. Plans include:³

• Preferred provider organization (PPO).
• Health maintenance organization (HMO).
• Medicare.
• Medicaid and state plans.
• Wellness-based plans.
• Health spending accounts (HSA).
• Dental and vision plans.
• International plans.
• Pharmacy plans.

The company is a licensee of the Blue Cross and Blue Shield Association (BCBSA), which has 38 independent and locally run health insurance companies throughout the U.S.⁴

Does Blue Cross Blue Shield of Michigan Cover Rehab Treatment?

Yes, your Blue Cross Blue Shield of Michigan plan should cover some, if not all, of the cost of rehab and other addiction treatment in Michigan or out of state.

The Affordable Care Act mandates all health insurance providers with Marketplace plans to provide coverage for 10 essential health benefits, one of which is substance use disorder (SUD) treatment.⁵ Plans must also cover behavioral health treatment (e.g., counseling and psychotherapy) and inpatient mental and behavioral health services.⁶ BCBS of Michigan also has substance use facility programs that offer traditional treatment options for members who need help.⁷

Keep in mind that coverage will vary depending on your BCBS of Michigan plan and factors such as the type of treatment you receive, where you receive treatment, and for how long. You can learn what will be covered by calling the number on the back of your insurance card and speaking to a BCBS of Michigan representative.

You can also contact American Addiction Centers (AAC) at to speak with an admissions navigator. AAC is in-network with BCBS and may provide full or partial coverage at one of our facilities. Our compassionate admissions navigators are available to answer questions you may have about addiction treatment, verify your insurance, and help you with the admissions process when you’re ready.

Types of Addiction Treatment That Blue Cross Blue Shield of Michigan May Cover

Coverage for detox, rehab, and other types of addiction treatment will vary depending on your specific Blue Cross Blue Shield of Michigan plan, where you receive treatment, and for how long. While coverage will vary, per the Affordable Care Act, your plan will cover the cost of substance use disorder treatment in some capacity.

Addiction treatments that may be covered by your BCBS of Michigan plan include:⁸

• Medical detox: While not always necessary, medical detox can help you comfortably and safely withdraw from a substance (e.g., alcohol, drugs). Medical detox is not considered treatment, but it can help you transition into an ongoing treatment program, such as inpatient or outpatient rehab.
• Inpatient programs: Inpatient programs allow you to get treatment within a comfortable, residential setting. Each facility will differ, but patients can expect a variety of therapeutic approaches to help them live a drug-free lifestyle once treatment is completed.
• Outpatient programs: Outpatient programs allow you to live at home while attending treatment at a rehab facility during the day. This can be a good option for patients who have completed an inpatient program or have home, school, or work responsibilities they need to attend to.
• Intensive outpatient programs (IOP): IOPs are similar to an outpatient program but require more frequent and longer treatment sessions. Sessions typically last for a few hours at a time and occur multiple days of the week.
• Partial hospitalization programs (PHP): Often referred to as day treatment programs, PHPs provide patients with a high level of care while allowing them to return home in the evening. Treatment typically occurs 5 or more days per week, for 4 to 6 hours per day.
• Aftercare: The term “aftercare” is used to describe ongoing or follow-up substance use treatment (e.g., 12-step meetings like A.A. or N.A.). Aftercare programs can help patients sustain their recovery and live a happier, healthier, and more fulfilling life.

Does Blue Cross Blue Shield of Michigan Cover Mental Health & Dual Diagnosis Treatment?

Yes, Blue Cross Blue Shield of Michigan should cover some, if not all, of mental health and dual diagnosis treatment. This is mandated by the Affordable Care Act, as every Marketplace plan is required to cover behavioral health treatment, substance use disorder treatment, and mental and behavioral health inpatient services.⁶

“Dual diagnosis” is a term used when someone is diagnosed with a substance use disorder and a mental illness (e.g., anxiety or depression).⁹ Dual diagnosis is common and more than 50% of people who have a substance use disorder also have a mental illness.⁹ Research strongly suggests that treating both conditions at the same time provides better outcomes.⁹ Effective dual diagnosis treatment integrates assistance for each condition, helping people recover from both in the same setting, at the same time.¹⁰

How to Check Your Blue Cross Blue Shield of Michigan Coverage for Rehab

Finding a treatment facility can feel overwhelming but knowing in advance what your Blue Cross Blue Shield of Michigan insurance will cover can ease the stress. The good news is, checking your coverage is easy by calling the number on the back of your insurance card or contacting American Addiction Centers. To learn about your specific coverage in Michigan or out of state, contact an admissions navigator at , or fill out the form below.

Which Rehab Centers Take Blue Cross Blue Shield of Michigan?

American Addiction Centers (AAC) is an in-network provider with BCBS, which means that your Blue Cross Blue Shield of Michigan plan may fully or partially cover treatment at an AAC treatment center.

AAC has treatment centers throughout the U.S., including the following that accept BCBS:

• AdCare Rhode Island: A center located in Rhode Island that specializes in medically monitored withdrawal management, crisis stabilization, an outpatient program, and a complimentary informational session for families.
• Desert Hope Treatment Center: A Nevada-based treatment center that offers individual and family therapy, medical detox, aftercare, and veteran and first responder-specific substance misuse programming.
• Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse Treatment Center offers a family program, individualized treatment, medical detox, and co-occurring disorder treatment.
• Laguna Treatment Hospital: Not far from California’s famous Laguna Beach, Laguna Treatment Hospital utilizes 12-step involvement, offers a family program and individualized treatment, and follows up with aftercare support.
• Oxford Treatment Center: Oxford Treatment Center is situated in Etta, Mississippi. It provides residential treatment (both short- and long-term), individualized treatment, medical detox, and a family program.
• River Oaks Treatment Center: Located near Tampa, Florida, this facility offers addiction-focused healthcare in its inpatient residential program and outpatient therapy. There is also a family program, medical detox, and aftercare support.
• Sunrise House Treatment Center: Sunrise House Treatment Center in Lafayette Township, New Jersey, specializes in cognitive-behavioral therapy (CBT). They offer a family program, IOP, and a residential inpatient program.

If the above treatment centers are not in-network for you, you can utilize our addiction treatment center directory and filter by “insurance” to locate in-network facilities close to you.

Seeking treatment for drug or alcohol use is a brave step, and you deserve all the support you can get on your journey to recovery. American Addiction Centers is committed to helping individuals struggling with addiction break the cycle. If you have questions about addiction treatment, want to know what your BCBS of Michigan insurance covers, or need additional resources, contact us at