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Drug & Alcohol Rehab Covered by Federal BCBS

Written by: Mariah Bourne
Edited by: Kayla Currier
Updated Dec 24, 2024
Many use insurance to cover the cost of rehab. Federal BCBS provides various health plans for federal employees, retirees, and their families.1 If you have Federal BCBS, the cost of addiction and co-occurring disorder treatment could be fully or partially covered.2 Keep reading to learn more about Federal BCBS coverage for rehab and other options to start your recovery journey.
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Does Federal BCBS Cover Drug & Alcohol Addiction Treatment?

Yes, Federal BCBS generally covers drug and alcohol addiction treatment to some extent.2 However, your level of coverage varies based on your specific plan and the type of treatment you need.2 You can also access free resources on the Federal BCBS website to support your daily mental health.2

The Affordable Care Act (ACA) protects your access to quality care.3 Under this law, marketplace health insurance plans must at least partially cover essential health benefits, including mental health and substance use disorder (SUD) services.3 While Federal BCBS Focus, Basic, and Standard plans all cover addiction treatment, your copays, deductibles, and out-of-pocket costs may differ depending on your policy.4

American Addiction Centers (AAC) can help you get the most out of your coverage. Whether you want to find a rehab that takes Federal BCBS or explore other payment options, our dedicated team is here to help. Contact an admissions navigator at to verify your insurance and learn more about your benefits.

Which Types of Addiction Treatment Does FEP Cover?

Since recovery is different for everyone, several types of addiction treatment are available.5 From options with 24/7 support to getting care from the comfort of your home, multiple types of addiction treatment can accommodate your unique needs.5 Coverage details often vary, so reviewing your FEP plan benefits to understand which services are included is essential. Here are some common levels of care a rehab covered by Federal BCBS may offer:

  • Medical detox: This initial treatment step involves withdrawal management under medical supervision to help you quit substances as comfortably and safely as possible.6
  • Inpatient drug and alcohol rehab: Short- and long-term inpatient programs offer a space to receive 24/7 highly structured care with evidence-based therapeutic interventions.5
  • Outpatient addiction treatment programs: Standard outpatient rehab is the least intensive level of care where you live at home and participate in similar interventions as inpatient rehab.5
  • Intensive outpatient addiction treatment programs: The next step up from traditional outpatient rehab, these programs offer a minimum of 9 hours of weekly treatment.7
  • Partial hospitalization rehab programs: As the most in-depth level of outpatient treatment, partial hospitalization programs (PHPs) provide about 6 hours of daily, highly structured care.8
  • Aftercare: Mental health experts recommend remaining in addiction aftercare, such as ongoing counseling, sober living homes, and 12-step programs, to promote long-term recovery.5
  • Co-occurring disorder treatment: This track offers integrated care for those experiencing addiction and mental health conditions simultaneously.5
  • Telehealth services: You can participate in virtual counseling and therapy services by phone or online.9

How to Use Federal BCBS For Addiction Treatment & Rehab

Understanding your coverage is the first step in using health insurance to pay for rehab. Multiple factors, like deductibles, in-network providers, and co-payments can determine your out-of-pocket costs for addiction treatment. Federal BCBS provides many options to check your benefits and verify your insurance:

  • Online patient portal. You can verify your BCBS FEP coverage for rehab by logging in to your online patient portal.10
  • Call member services. Contact BCBS FEP Member Services by calling the number on the back of your insurance card. You can speak with a representative who can check your benefits and help you understand your Federal BCBS coverage for rehab.10
  • Fepblue app. Quickly view your coverage information on your phone.10
  • Contact the treatment center. If you have a specific facility in mind, contact them directly. Most can verify your insurance benefits and provide cost estimates.

After learning about your Federal BCBS coverage for addiction treatment, you can search for an appropriate rehab facility to fit your needs. Our AAC admissions navigators are here to help you through the process. Contact AAC at to verify your insurance and find a rehab that takes BCBS FEP.

Federal BCBS Coverage for Co-Occurring Disorder Treatment

Many experience mental health conditions along with SUD.5 Some may experience SUD from self-medicating with alcohol or drugs to alleviate the symptoms of mental health conditions.11 Others may develop a mental health condition from ongoing substance misuse.11

Regardless of onset, addiction specialists recommend treating all illnesses together to promote sustained recovery.11 A rehab that takes Federal BCBS will typically partially or fully cover co-occurring disorder treatment.

AAC facilities specialize in treating co-occurring disorders with a personalized, integrated approach. You can participate in evidence-based interventions, like counseling and psychoeducation. These approaches can help you get to the root of your conditions and develop coping skills. You’ll benefit from targeted care that accounts for your unique situation and recovery goals. From specialized tracks to multiple levels of care, our treatment centers strive to meet you at any recovery stage.

Start Your Recovery

Starting your recovery journey opens the doors to unwavering support and encouragement. Whether seeking free rehab facilities or using Federal BCBS coverage for rehab, AAC can help you take the first step to a happier, healthier life.

Our admissions navigators can help you understand how to pay for rehab, even if that means paying for rehab without health insurance. Several options are available to embark on your journey. Call AAC at to check your benefits and discover the right care to fit your needs.

Sources

  1. BCBS Federal Employee Program. (n.d.). About us.
  2. BCBS Federal Employee Program. (n.d.). Mental health.
  3. Healthcare.gov. (n.d.). Affordable Care Act (ACA).
  4. BCBS Federal Employee Program. (n.d.). Compare our plans.
  5. National Institute on Drug use. (2018). Principles of drug addiction treatment: A research-based guide (third edition).
  6. Substance use and Mental Health Services Administration. (2015). Detoxification and substance use treatment.
  7. Substance use and Mental Health Services Administration. (2021). Clinical issues in intensive outpatient treatment for substance use disorders.
  8. Substance use and Mental Health Services Administration. (2020). TIP 47: Substance use: Clinical issues in intensive outpatient treatment.
  9. The White House. (2022). Telehealth and substance use disorder services in the era of COVID-19: Review and recommendations.
  10. BCBS Federal Employee Program. (n.d.). Access member-only resources with MyBlue.
  11. National Institute on Drug Abuse. (2024). Co-occurring disorders and health conditions.
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