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Blue Cross Blue Shield Opioid Addiction Rehab Insurance Coverage

Opioids, also known as opiates, are a class of drugs that includes morphine, codeine, Percodan, oxycodone, and heroin. These drugs are highly addictive and can cause severe damage to the user’s physical and mental health.

Does Blue Cross Blue Shield Cover Opioid Rehab Treatment?

Some Blue Cross Blue Shield insurance plans do provide coverage for opioid addiction treatment. To learn how much of the cost of rehab is covered, you need to check with your specific plan.

Opioid addiction can be treated on an inpatient or outpatient basis, depending on the severity of drug abuse. When determining which one is right for you, consider your specific insurance policy and the types of programs that are covered. Your policy documents will detail the treatment options that are covered and list a phone number that you can call for more information.

Check Your BCBS Opioid Rehab Coverage Online, an American Addiction Centers resource, has a relationship with Blue Cross Blue Shield and may be able to help you get into one of our facilities for opioid rehabilitation treatment. Call us at or head to our payment options page to find out if you have coverage.

Do Out-of-State Opioid Rehab Centers Accept Blue Cross Blue Shield Insurance?

Blue Cross Blue Shield contracts with a network of providers across the country, so selecting a treatment facility in this network will enable you to get greater coverage than selecting an out-of-network provider, regardless of location. This affords you some amount flexibility when choosing your rehab facility.

Some patients prefer going out of state for treatment to completely separate themselves from their familiar drug-use environments. Others choose to stay close to home where they can receive support from friends and family members.

Opioid Inpatient Residential Addiction Treatment vs Outpatient Addiction Treatment

Treatment for opioid addiction will typically fall under the mental health portion of your coverage benefits. Inpatient residential addiction therapy involves the patient living at the treatment center and becoming secluded from outside triggers and pressures.

Outpatient therapy, on the other hand, involves the patient visiting counselors and treatment experts while still living at home and possibly even working. Inpatient treatment is typically recommended for opiate addiction cases, but the intensive nature of this 24/7 care also makes it the more expensive option.

Take Our “Am I an Opioid Addict?” Self-Assessment

Take our free, 5-minute “Am I an Opioid Addict?” self-assessment below if you think you or someone you love might be struggling with drug addiction. The evaluation consists of 11 yes or no questions that are intended to be used as an informational tool to assess the severity and probability of an opioid addiction. The test is free, confidential, and no personal information is needed to receive the result.

Does BCBS Pay for Private or Luxury Oipioid Treatment?

As with most addiction treatment issues, this comes down to what your policy specifies. It is important to remember that not all insurance plans are the same, so if you know of someone who was not covered for private or luxury treatment, that doesn’t mean you won’t be covered. Since these specialized facilities offer more amenities, you may have to pay more out of pocket even if the provider is in the Blue Cross Blue Shield network.

Can I Get Rehab Without Insurance?

If you don’t have Blue Cross Blue Shield or other insurance, you can still get help. Many rehab facilities will work with you to set up a payment plan that works for you. Furthermore, there are some non-for-profit facilities that will help you for free. Talk to a doctor or treatment expert to learn how you can get help without insurance.

Common Questions About Blue Cross Blue Shield Rehab Coverage

(Please note: strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. is an informational site only and is not affiliated or sponsored by Blue Cross Blue Shield.)

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