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Blue Cross Blue Shield Substance Abuse Rehab Insurance Coverage

If you are looking for a program for rehab, one of your first questions is likely to be, “Does insurance cover drug rehab?” If you have healthcare coverage through Blue Cross Blue Shield (BCBS), your insurance plan provides you with benefits for addiction treatment coverage at some level.
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Blue Cross Blue Shield Insurance Coverage for Drug and Alcohol Rehab

Blue Cross Blue Shield is made up of 36 companies that insure 1 in 3 Americans. 1 Your Blue Cross Blue Shield Health Plan usually covers drug or alcohol treatment offered by rehab centers, but the amounts of copays and deductibles vary from one plan to another.

Blue Cross Blue Shield partners with American Addiction Centers (AAC) at several AAC facilities. To learn more, call AAC at or use our online insurance checker to determine if your plan provides coverage at one of our facilities.

Blue Cross Blue Shield Health Plans

Blue Cross Blue Shield Health Plans offer a variety of coverage levels. In most states, they are categorized as Bronze, Silver, and Gold plans. Bronze plans typically cover 60% of the overall costs of treatment. Silver plans pay 70%, and Gold plans usually cover 80% of treatment. Some states also offer Platinum coverage, which pays for 90% of covered costs of services. The plans that offer more coverage are usually more expensive.

Federal employees have BCBS health plans, usually with a deductible of $350 per individual and $700 per family.2 Addiction treatment coverage is the same as other medical issues.2  Blue Cross Blue Shield also offers products for Medicare and Medicaid that cover more than 7 million Americans through a Blue Cross Blue Shield Medicaid program.3,4

Does Blue Cross Blue Shield Health Insurance Cover Addiction Treatment?

Your Blue Cross Blue Shield therapy coverage and benefits are based on the type of plan you have. You can check underneath or call the phone number on the back of your card to verify your Blue Cross Blue Shield mental health coverage.

If you need addiction treatment and have BCBS health insurance, you will likely have coverage and benefits for the substance use disorder treatment that you need. While the coverage may vary from one state to another, you are likely to find a substantial portion of your alcohol and drug rehab costs will be covered.

Does Blue Cross Blue Shield Cover Inpatient Addiction Treatment?

Blue Cross Blue Shield offers numerous plans with various levels of benefits and coverage. If you are going to receive inpatient treatment, your addiction treatment coverage will typically cover costs beyond those met by your deductible (the amount you pay out-of-pocket before coverage starts). You typically also have a co-pay, which is a percentage of the overall cost of treatment. Most co-pays range from 10% to 20% of treatment costs.

The co-pay and deductible will vary based on your level of coverage through your Blue Cross Blue Shield health insurance plan. Federal BlueCross BlueShield, for example, offers a plan where you pay $350 per addiction treatment admission and no further co-pays.2

Does Blue Cross Blue Shield Cover Outpatient Addiction Treatment?

Benefits for your Blue Cross Blue Shield health plan for outpatient rehab will also vary based on your level of coverage. If you have a Bronze, Silver, Gold, or Platinum plan, you will pay 60%, 70%, 80%, or 90% of the costs, respectively.

If you are a Federal employee, you will pay a certain percentage based on which Federal Blue Cross Blue Shield plan you have chosen.

Types of Addiction Treatment That Blue Cross Blue Shield May Cover

Blue Cross Blue Shield has individual, family, and Medicare plans which means coverage will vary.7 Still, your insurance plan should cover at least some of the cost of rehab for drug or alcohol use.

Blue Cross Blue Shield may cover several types of addiction treatment, including:

  • Intensive outpatient programs (IOP): During an IOP, you will attend therapy sessions several hours a day, several days a week with sessions conducted by a licensed therapist.
  • Partial hospitalization programs (PHP): During a PHP, you will stay in a hospital environment for much of the day but return home at night.
  • Aftercare: Once you complete an inpatient or outpatient program, aftercare gives you the support you need to maintain sobriety.

Your Blue Shield of California plan will determine the level of coverage you’ll receive for addiction treatment. Although you may be responsible for paying certain out-of-pocket expenses like copays and deductibles, you can take solace in knowing that your insurance plan will provide partial, if not full coverage for addiction to substances such as alcoholheroin, and prescription drugs.

Does Blue Cross Blue Shield Cover Drug and Alcohol Rehab?

The short answer is yes, Blue Cross Blue Shield does cover rehab treatment for substance abuse. The type of treatment however does depend on the coverage levels of your insurance policy.

You can check your plan’s specific healthcare benefits and coverage by going online here.

You can also call and check with BCBS directly by calling the number on the back of your health insurance card. Blue Cross Blue Shield also offers an online resource center for members who are seeking information regarding options for substance abuse treatment.5

Does Blue Cross Blue Shield Cover Mental Health Treatment?

In 2008, Congress passed the Mental Health Parity and Addiction Equity Act to ensure coverage of treatment for mental health care and addiction. This includes treatment for co-occurring disorders—a term used to describe when someone has a mental health diagnosis (e.g., anxiety, depression, PTSD) along with substance use disorder. The extent to which addiction and mental health treatment are covered and for how long depends on your insurance plan.

Blue Cross  Blue Shield can help coordinate care for you when you access treatment. If you are a BCBS member and need to access mental health care and addiction treatment, take comfort in knowing your insurance provider is committed to caring for members with mental health conditions. Most treatment facilities offer co-occurring disorder treatments for people who have mental health conditions and addiction to drugs and alcohol.

What Rehab Centers Take Blue Cross Blue Shield Insurance?

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Blue Cross Blue Shield insurance plan, the following AAC facilities accept Blue Cross Blue Shield for drug and alcohol addiction rehab.

  • AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
  • Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as offering a full continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, and tele-health.
  • Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and tele-health, all in a luxurious setting with high-end amenities.
  • Laguna Treatment Hospital: Located in Orange County, California, Laguna is a chemical dependency recovery hospital that focuses on treating people who are medically compromised and need 24/7 oversight. Provided care includes detox services, residential treatment, dual-diagnosis treatment inpatient treatment, and intensive outpatient services.
  • Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and tele-health, all with individualized treatment programs.
  • Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Blue Cross Blue Shield insurance.

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Local BCBS Rehab Coverage Guide



Does Blue Cross Blue Shield Cover Addiction Treatment Therapy?

Yes, Blue Cross Blue Shield (BCBS) provides coverage for substance abuse treatment at least to an extent, as stipulated under the Affordable Care Act.1 Depending on your plan, different portions of the cost of treatment will be covered. Patients can check the details of their plan by contacting Blue Cross Blue Shield using the phone number on their health insurance card. Alternatively, they can call their chosen rehab center’s helpline to verify their insurance.7

BCBS has also set up their own substance abuse resource center as well as assembled a directory of SUD treatment providers to help treatment seekers find research-based support.8,9

Does Blue Cross Blue Shield Cover the Cost Of Sober Living?

For patients who need support during their transition from inpatient treatment, Blue Cross Blue Shield offers coverage for ancillary services, including stays in sober living houses.15 You can call Blue Cross Blue Shield to request support and check your insurance coverage.15

What Behavioral Health Treatments Does Blue Cross Blue Shield Cover?

Under the Mental Health Parity and Addiction Equity Act, mental health care and SUD treatment has to be covered by insurance as much as any surgical or medical care.10 This encompasses counseling and psychotherapy for co-occurring mental health disorders, such as depression or anxiety, which coexist with a substance use disorder. The exact scope of coverage for behavioral health treatment varies based on your health plan.13

Does Blue Cross Blue Shield Cover Medication-Assisted Treatment?

Yes, BCBS can cover your medication-assisted treatment at least in part. The level of coverage will differ according to your plan, which you can check by contacting your provider.7 Public health insurance Medicaid, which is provided through a Blue Cross Blue Shield program, has to cover it.11,12

Does Blue Cross Blue Shield Cover Prescription Drugs Abuse Treatment?

Blue Cross Blue Shield covers different levels of care for a variety of substance use disorders, which may include treatment of prescription drug abuse. Coverage is based on several factors, such as your plan and different legal policies.17 You can check your benefits by contacting the provider directly or by getting in touch with a rehab facility.

Does Blue Cross Blue Shield Cover Suboxone Treatment?

Since suboxone (buprenorphine) has been approved by the FDA as a treatment option for opioid use disorder, most rehab facilities make it available and your BCBS plan may cover it.13

Does Blue Cross Blue Shield Cover Couples Therapy for Addicted Couples?

Your BCBS benefits plan may cover different psychotherapeutic approaches, including individual, group, family, and couples therapy. However, this depends on your coverage tier. You can verify your insurance by reaching out to Blue Cross Blue Shield or a treatment provider.14

What Should I Do if Blue Cross Blue Shield Won’t Cover the Total Cost of Rehab?

Even if Blue Cross Blue Shield doesn’t cover the entire cost of treatment, this should not deter you from seeking support as there may still be other available options. Many rehab centers provide payment plans that can help patients cover their treatment expenses.16 For example, they may offer sliding scale payment or another form of financial aid.16

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Guides for other health insurance providers