HCSC Insurance for Addiction Treatment
HCSC (Health Care Service Corporation), America’s largest customer-owned health insurance company, provides a wide array of coverage packages through Blue Cross and Blue Shield. Because HCSC does not have stockholders, it is able to keep the cost of insurance down for patients.
HCSC takes addiction treatment seriously. Substance abuse is considered by insurance companies to be a chronic medical illness, so it is generally covered to some extent under most insurance programs—HCSC included.
Because each HCSC insurance plan is unique, coverage for drug and alcohol detox and rehabilitation varies. Depending on your plan, you may be able to get at least a portion of the cost of either inpatient or outpatient rehabilitation covered by your insurance. Some plans offer full coverage, and most plans offer at least partial coverage for detox and rehab services.1
Does HCSC Cover Addiction Treatment?
Rehabilitation services are typically covered under the Substance Abuse Disorder section of the Essential Health Benefits provided by HCSC. Individual coverage will vary depending on the plan, but most plans will provide some coverage for both inpatient and outpatient rehabilitation options Depending on your individual plan, you may have to meet a deductible or pay a copay before your insurance provides coverage.
Treatment coverage may vary, and it is important to carefully review your coverage package with HCSC and talk with your provider about payment before starting treatment.
Many plans provide coinsurance, meaning that HCSC will cover a specific percentage of the bill, and then you will be responsible for the rest. There may be a limit to the number of times detoxification services are covered, so always double check your benefit coverage, especially if you have received detox treatment in the past.
How to Check Your Insurance Benefits?
Before you decide which rehab center might be best for your needs, it’s important to check your insurance benefits to understand what costs are covered by your insurance provider and which ones you are responsible for.
Knowing exactly what your HCSC plan covers can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on HCSC insurance plans and to check what your plan covers, call , click here, or fill out the form below.
- HCSC. (n.d.). Medical Policies.
- HCSC. (2020). HCSC by the numbers.
- HCSC. (2020). Newsroom news release.
- BlueCross BlueShield of Illinois. (2020). Medicare Advantage plans.
- National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
- National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.