HCSC Insurance Coverage for Drug & Alcohol Rehab
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 Rehab?
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.
Rehabilitation 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 services in the past.
The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of addiction rehab will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.
How to Check Your Insurance Benefits?
Before you decide which rehab facility 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.
What Different Types of Addiction Treatment Does HCSC Cover?
With most Medicaid plans covering at least some of the costs of treatment for alcohol addiction or drug addiction, the types of treatment can vary in intensity and frequency. Types of treatment may include:5,6
- Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms.
- Inpatient or residential care: Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
- Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
- Intensive outpatient program (IOP): Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
- Outpatient treatment: Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at the treatment facility for therapy and support.
When you decide to get treatment for a drug or alcohol addiction, you will need to decide what type of treatment is best for you.
What Should I Do if HCSC Won’t Cover the Total Cost of Rehab?
HCSC may cover some, if not all, of your rehab costs, depending on the policy you have. In some cases, your policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities and treatment centers.
There are many cases when an insurance plan doesn’t provide full coverage for certain detox and recovery programs. You may find your insurance coverage is limited, for example, when it comes to:
- Out-of-state or out-of-network treatment.
- Specialty or luxury rehab programs.
- Relapse treatment following a recovery program.
Fortunately, there are still payment options available to help finance your treatment in these cases. If you are unable to pay your out-of-pocket costs for treatment in full, consider setting up a payment plan or installment option with the rehab facility of your choice. Many treatment programs also provide sliding-scale rates for those who qualify. Additionally, there may be scholarships or grants available.
For more information on other ways to pay, visit these web pages:
Cost of treatment can be prohibitive for many individuals who need help. Knowing what costs your Cigna health insurance plan covers for drug and alcohol addiction services can help you plan for any costs that you will be responsible for while you or your loved one are getting drug or alcohol addiction treatment. Because addiction is a chronic and debilitating illness, finances shouldn’t prevent you from seeking treatment. If you need further help, we would be happy to answer your questions and help you sort through your options at .