Florida Blue (BCBS of Florida) Insurance for Rehab Centers

In Florida, over 30,000 people went into a substance abuse treatment center in 2015.¹ More than 60,000 were checked into rehab in 2017.² Florida has about 668 substance abuse treatment centers, so you can find services to assist you with your needs.

Treatment varies but may include a combination of:

• Medical detox.
• Inpatient rehab.
• Co-occurring disorder treatment.
• Partial hospitalization program (PHP).
• Intensive outpatient program (IOP).

If you’re looking for inpatient drug treatment centers in Texas that accept BCBS of Florida, there are several ways to start your search. First, you can contact facilities directly to confirm they work with your insurance provider. You can also use our search tool to find rehabs near you and filter by insurance acceptance, location, and other preferences. This makes it easier to identify the right BCBS-covered program tailored to your recovery needs.

Founded in 1944 on principles of excellent healthcare solutions, Blue Cross Blue Shield of Florida has headquarters in Jacksonville, Florida.³ In 2012, Blue Cross Blue Shield of Florida adopted the new name, Florida Blue, and its accompanying logo.³ The CEO thought that the shorter name was easier to remember and more notable than the other name, but all the plans, services, and health initiatives remained the same.³

Florida Blue has about 4 million members in the state and services many more in other states through affiliate connections.⁴

Blue Cross Blue Shield of Florida insurance drug treatment programs may cover some or all of the costs for substance abuse rehab. Not everyone will require the exact same type of treatment either, so it’s best to discuss your case with an admissions navigator. They will advise you about where to begin your treatment plan. Most people transition from one level of treatment to another, doing a step-down approach.

However, no matter what type of treatment you need, BCBS of Florida insurance follows the mandate of the Affordable Care Act (ACA).⁵ By doing so, they must provide patients with “Essential Benefits,” which includes mental health and substance abuse treatment.⁵ The amount of Blue Cross Blue Shield of Florida substance abuse treatment coverage varies based on your policy, but some of the treatment programs that you might participate in are the following:

• Inpatient or residential rehab treatment. This involves an intensive treatment program in which doctors and other medical professionals offer around-the-clock therapeutic care. There is a high level of supervision and monitoring for patients who are dealing with severe substance use disorder.⁶
• Partial hospitalization program (PHP). During PHP, you’ll get just about as much monitoring and care, but you can reside at your own home overnight.⁷
• Intensive outpatient program (IOP). Outpatient therapy that takes up much of the day and week is considered intensive.⁶
• Outpatient treatment program and therapy. At this step in the journey, you are ready for a more standard outpatient program.⁶

Does Blue Cross Blue Shield of Florida Provides Coverage for Mental Health Facilities?

As you move towards recovery from substance use disorder, it’s vital to consider your mental health too. Maybe you have already thought about this. If not, you should know that experts have found a connection between substance use disorder and mental illness.⁸ The connection works both ways, meaning that people who abuse substances are apt to have a mental health condition, and people with mental illness are apt to use substances.⁸ Since these conditions often occur together, clinicians recommend seeking a comprehensive treatment plan that addresses both issues.⁸

As stated above, Blue Cross Blue Shield of Florida drug treatment providers follow the ACA guidelines, so you can treat both conditions simultaneously.

Whether you live near BCBS of Florida rehabilitation centers or intend to travel to attend one, you might wonder about your length of stay. Your time in a substance abuse facility can vary depending on the severity of your situation. Addiction is a chronic and complex disease, so it requires a thorough treatment plan.⁹ Most experts recommend staying in rehab for at least 3 months for maximum benefit.⁹

The length of time covered by Blue Cross Blue Shield of Florida insurance rehab will depend on the specifics of your plan. You can check the back of your card for the phone number to Florida Blue insurance. The representative can explain how long your policy will cover.

What If My BCBS of Florida Policy Does Not Cover an Inpatient Drug Rehab Program?

If you are concerned that your policy won’t cover all of your stay at BCBS of Florida treatment center, don’t give up. You have other options to consider. Some rehab facilities will offer scholarship awards, or they may provide financing payment plans. Don’t delay seeking information about available financial options if you don’t have coverage for inpatient rehab.

When using in-network doctors and medical facilities, you are working within the group of providers that give the insurance company a discounted rate.¹⁰ Consequently, you can receive savings.¹⁰ If you go to an out-of-network facility or doctor, you will have out-of-pocket costs because these providers are part of the network plan.¹⁰

There are a few ways to find Blue Cross Blue Shield of Florida insurance rehab centers that are in-network. These include:

• Call the Blue Cross Blue Shield of Florida phone number on the back of your card and talk to the person about the place you have in mind.
• Verify your insurance immediately with the rehab facility in question.
• Go to the online BCBS Florida portal to search for a rehab that is in-network.

If you opt for the latter choice, you need to register for online access first. This will allow you to see your plan’s network information, among other details. Simply provide your identifying information at the prompts and select a username and password. Now you can log in and see the details. However, it is quicker to verify your insurance with the rehab directly, as they can give you an answer almost immediately.

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1. Center for Behavioral Health Statistics and Quality, Substance Abuse and Mental Health Services Administration. (2015). Treatment episode data set (TEDS).
2. Substance Abuse and Mental Health Services Administration (SAMHSA). (2017). National survey of substance abuse treatment services (N-SSATS).
3. Florida Blue. (2012). Florida Blue –New name of Blue Cross and Blue Shield of Florida changes mark a new era, expanded focus for Florida’s health leader.
4. (2021). Health plan profile: Florida Blue.
5. Florida Blue. (2021). Health care reform, Frequently asked questions.
6. (2019). Treatment approaches for drug addiction DrugFacts.
7. Definition of partial hospitalization. The National Association of Private Psychiatric Hospitals and the American Association for Partial Hospitalization. (1990). The Psychiatric hospital, 21(2), 89–90.
8. (2018). Comorbidity: substance use disorders and other mental illnesses drugFacts.
9. (2020). Principles of effective treatment.
10. Florida Blue. (2021). In network versus out of network.