Does Florida Blue BCBS Offer Insurance Coverage for Opioid Rehab?
Florida Blue has been providing health insurance to Florida residents for more than 75 years. Its mission is to help people and communities achieve better health, and it serves more than 5 million health care members across the state. Florida Blue offer their services to 27 million people across 35 states and is an independent branch of the Blue Cross Blue Shield with headquarters in Jacksonville.1
Florida Blue BCBS healthcare plans also may cover alcohol and drug addiction treatment, including opioid rehab. In general, in line with the Affordable Care Act, Florida Blue BCBS rehab coverage may include medical detoxification, inpatient or outpatient rehab, parts of medically-assisted treatment, and other opioid treatment programs. So the answer to the question “does Florida Blue BCBS cover drug rehab” is yes, with the extent of coverage depending on your specific plan.2
About Florida Blue (BCBS of Florida)
Florida Blue is a health insurance company that is headquartered in Jacksonville, Florida. The company was founded over 75 years ago as the Blue Cross and Blue Shield of Florida. It has been licensed to do business in 29 states including Florida. 1
The company offers a variety of individual and group health insurance plans, including the Florida Blue BCBS addiction treatment nationwide.Florida Blue and its affiliates serve over 16 million people across 29 states, with over 5 million health care members in Florida.1
What Aspects of Opioid Treatment Does Florida Blue BCBS Insurance Cover?
According to the Mental Health Parity And Addiction Equality Act, insurance companies including Florida Blue BCBS insurance coverage have to offer the same type of benefits for substance abuse and co-occurring disorder treatment as they would for any other medical intervention.2
This means that your Florida Blue BCBS substance abuse coverage may help cover at least parts of your treatment, including:3
- Medical detox: Detoxification, or detox, is the first step in treatment for opioid addiction following the initial patient intake. During detox, the patient stops taking opioids and goes through a withdrawal process. This can be difficult, but it’s necessary to rid the body of opioids and get patients started on some maintenance drugs. Detox usually takes place in a secure, hospital-like setting.
- Inpatient opioid treatment: Inpatient opioid rehab is a way to get help for people who are addicted to opioids. This type of rehab happens in a hospital-like residential facility, and people stay there until they finish the program. This program offers constant care and access to beneficial treatment programs, including counseling and therapy.
- Outpatient opioid treatment: Outpatient addiction treatment provides a way for people with opioid addiction to get the help they need while still living at home, taking care of their families, and keeping their jobs. Outpatient opioid rehab generally includes detox, counseling, and aftercare.
- Behavioral therapies: Behavioral therapy is one of the most common forms of treatment for opioid addiction. It helps people to learn how to better cope with their addiction and teaches them how to avoid relapse.
- Treatment for co-occurring disorders: Treatment for co-occurring disorders usually involves medication and therapy. Following an assessment for co-occurring disorders and their diagnosis, the therapist will help the person with co-occurring disorders understand their condition and learn how to manage it. The medication will help control the addiction symptoms and the co-occurring disorder.
What Does Insurance not Cover?
There are a few things that Florida Blue BCBS insurance generally does not cover when it comes to opioid addiction treatment. These include:4
- Private treatment.
- Holistic Care therapies such as meditation, yoga, or Tai chi.
- Alternative therapies such as acupuncture or reiki.
- Recreational programs like horseback riding or hiking.
- Non-medical services such as food delivery or private rooms with TV and phone.
Despite these limitations, insurance can still be a valuable resource for people seeking treatment for opioid addiction. If you’re interested in treatment but aren’t sure if your insurance will cover it, be sure to call the Florida Blue BCBS helpline and ask. They may be able to help you find a program that is covered by your plan.2
What’s the Cost of Opioid Rehabilitation Treatment?
The cost of opioid rehab can vary depending on the facility, the intensity and frequency of therapy, and services provided. There are many contributing factors to their cost, including the need for round-the-clock care and the length of treatment. Non-medical services such as housing and food can also add to the overall cost.2
Opioid rehab is often covered by insurance, though the amount and type of coverage may vary. Medicaid and Medicare may also provide some assistance. There are many resources available to help those in need pay for opioid rehab. For instance, you can call a specialized drug and alcohol rehab hotline for more information or find an official help guide accessible online.2
How Much Does Inpatient Opioid Treatment Cost?
The cost of inpatient treatment varies based on the services provided, length of stay at the inpatient facility, and insurance coverage. Inpatient programs provide around-the-clock care and support for individuals with opioid use disorders. Treatment activities may include psychiatric and substance use assessments, diagnosis, treatment, housing, and rehabilitation services.3
How Much Does Outpatient Opioid Treatment Cost?
The costs of outpatient opioid treatment can vary depending on the type of treatment used and the frequency of recommended services. Outpatient treatment usually involves weekly counselor meetings, group and individual therapy, drug administration, and support group meetings. Since patients are not required to stay at the facility, outpatient treatment costs are generally lower than inpatient treatment.3
How Much Do Partial Hospitalization Programs for Opioid Abuse Cost?
The cost of a partial hospitalization program for opioid abuse can vary depending on the program. However, some programs may be partially covered by insurance. Partial hospitalization programs involve patients visiting a treatment facility for a few hours each day, but not residing there.3
As such, the price of PHP for opioid abuse is lower than inpatient treatment but generally higher than outpatient treatment due to the increased frequency and intensity of the treatment.3
How Much Does Medication-Assisted Opioid Treatment Cost?
The costs of medication-assisted treatment for opioid abuse include the cost of the medication and the cost of the counseling and other services that are required. The cost of the medication can be a barrier to treatment for some individuals, but it’s important to remember that Florida Blue BCBS healthcare plans can help you cover some or most of those costs. In general, the prices range from close to $200 for methadone treatment to close to $1,400 for Naltrexone treatment on a weekly basis.5
How Does the Cost of Treatment Compare to the Cost of Opioid Addiction?
Opioid abuse is a problem that is costing the United States billions of dollars. The costs of MAT and other forms of treatment for opioid abuse may be high for some people. However, they’re worth it in order to reduce the costs associated with opioid abuse.6
In 2007, the economic and social cost of illegal drug use in the United States amounted to an estimated $193 billion in public health costs, crime costs, and lost productivity. While treatment only costs an estimated $1,500 per person, it results in savings of nearly $11,500 in healthcare, lost productivity, and criminal justice costs.6
People who sought out treatment in a study in Washington saved close to $400 per month on Medicaid costs, while a separate study in California proved that people who were in treatment for more than 60 days saved more than $8,200 in health and lost productivity costs.6
How Long Can I Stay in Rehab With Florida Blue BCBS Insurance Coverage?
Most insurance providers offer a variety of plans, each with its own set of coverage lengths. So, the amount of time that a person is covered by their insurance plan will vary depending on the specific policy they have. If you want to look up your insurance plan information, you can find a Florida Blue BCBS helpline number on the back of your insurance card. Their dispatchers will tell you which plan you currently hold, and what benefits are covered.4
The longer a person spends in treatment, the higher their chances are of recovering. Treating opioid addiction usually takes at least 60 to 90 days in inpatient treatment, while the person may stay on maintenance drugs for a year or more.7
After a person completes inpatient treatment, they may go to outpatient treatment, which meets fewer hours per week but still provides some structure and support. Outpatient treatment can last for several months to a year.7
Is Inpatient Treatment Better Than Outpatient Care for Opioid Rehabilitation?
Inpatient recovery programs, also known as residential treatment, provide patients with continuous medical and emotional support. These centers provide a supportive and accountable environment for the patient to overcome addiction through a number of different therapies, activities, and consultations.7
This highly therapeutic ecosystem can help patients not only deal with opioid addiction but any co-occurring mental health disorders that may have led to addiction in the first place, helping achieve recovery and lower chances of relapse.7
Outpatient drug rehab is generally less restrictive than inpatient treatment. Outpatient programs usually take 10 to 12 hours a week, where patients visit the local treatment center for scheduled therapy. This allows people to continue working or attending school while receiving treatment. However, due to a lack of accountability, the chances of relapse are greater, particularly if the patient does not have a strong and sober support network of friends, partners, and family members.3
Drug use can often be difficult to overcome. Patients may find it easier to resist urges to use drugs if they know their drug use is being monitored. This is why staying in an inpatient facility can be a strong incentive for patients to withstand urges to use drugs. It can also help indicate if their treatment needs to be adjusted to accommodate the changes in their behavior.7
What’s the Process of Using Florida Blue BCBS Addiction Treatment Insurance?
Once you’ve consulted a doctor about your opioid abuse issue, make sure to call the number on the back of your Florida Blue BCBS insurance card to speak with an insurance company representative and learn about what your policy coverage entails.2
The amount of coverage provided by insurance providers for addiction treatment may vary. This can lead to different levels of care covered, such as the length of stay or the type of care. Some providers may be in-network while others may be out-of-network. The insurance company representative will be able to help you sort this information out, and provide a list of preferred treatment facilities.2
Each facility has its own insurance acceptance policy. Therefore, some may require deductibles or co-pay before you can start your treatment. Factors such as these can all impact the amount of coverage an individual receives for their addiction treatment. This is why you can also get in touch directly with a local treatment facility and work with their admissions navigators on finding the best solution for you.2
Finding Opioid Treatment Programs Near You
If you’re worried about a loved one and don’t know where to turn for help, don’t hesitate to reach out to American Addiction Centers. You will be connected with an admissions navigator who can provide you with available financing and payment options, local resources, and verify your insurance coverage while on the call.
American Addiction Centers accepts Florida Blue BCBS coverage nationwide and offer high-quality treatment facilities for those struggling with opioid abuse. The network spans numerous locations in Florida, including treatment facilities in Miami, recovery centers in Jacksonville, and opioid rehab options in Orlando. Among those facilities are Recovery First Treatment Center and River Oaks Treatment Center located in Hollywood and Riverview, Florida respectively.
Recovery First Treatment Center
Located in Hollywood, Flordia, Recovery First Treatment Center offers high-quality treatment in Fort Lauderdale and the surrounding area. The facility employs evidence-based treatment to help people with opioid addiction through various programs, including dialectical behavior therapy, group therapy, dual diagnosis assessment, treatment, and individual counseling.
The facility also offers numerous amenities aimed at offering a premium experience, such as recreation areas, a fully-equipped gym, and apartment-style accommodation with complete confidentiality guaranteed. The treatment center is in-network with Florida Blue BCBS rehab coverage and their admissions navigators will work with you on verifying your private pay coverage.
River Oaks Treatment Center
River Oaks Treatment Center is a residential facility for opioid rehabs serving Tampa and surrounding locations. The center offers medical detoxification to help patients deal with withdrawal symptoms, medication-assisted treatment, and individual and group counseling. Among its additional services are art and music therapy, massage, and premium accommodation.
The center also offers a couples program that helps loved ones understand addiction and support their loved ones in recovery. Apart from inpatient treatment, the center offers intensive outpatient and outpatient services for those who prefer to attend treatment while staying at home.
Frequently Asked Questions
Is Christian Rehab Included in Florida Blue BCBS Substance Abuse Coverage?
Some Christian rehab treatment facilities may be in-network with Florida Blue BCBS drug treatment programs nationwide. Their insurance representative will be able to provide a list of in-network Christian rehab facilities if you call the prescription drug abuse hotline on the back of your insurance card.2
Christian drug addiction treatment is a viable option for those seeking help with their addiction. There are many different programs available, and each one offers its own unique approach to helping people overcome their addictions. Some of the most common approaches used in Christian drug addiction treatment include counseling, Bible study, and support groups.7
Does Florida Blue BCBS Cover Luxury Drug Rehab?
Some luxury rehab centers may be in-network with Florida Blue, although in general, non-medical amenities such as same-day admittance for patients, access to the gym and spa, holistic treatment options, and recreational activities are not covered by insurance. It’s best to check what your coverage entails and which luxury treatment centers are in-network by calling the number on the back of your card.4
Luxury treatment centers for drug addiction provide an additional level of care and resources for those struggling with addiction. They offer spacious and comfortable accommodation, top-of-the-line treatment programs, and high-class amenities such as a spa, gym, recreational rooms, and networking centers.3
Do Florida Blue BCBS Offer Coverage Under Medicare Plans?
Medicare is a federally-funded health insurance program. Unlike private insurance, it does not offer family or couple plans.8
The following Medicare plans are available through Florida Blue BCBS:8
- Part C: Also known as Medicare Advantage Plan, available through private companies and is approved by Medicare. Typically, these Medicare Advantage Plans include A, B, and D, as well as other benefits.
- Part D: Helps cover the cost of MAT and certain pharmaceutical treatments
- Medicare Supplement: An additional insurance policy, also called Medigap, which enables you to pay your share of Original Medicare costs by purchasing coverage from a private company.
All Marketplace plans must cover essential healthcare services, including mental and substance abuse services or treatment, in accordance with the Affordable Care Act. This means that Florida Blue BCBS addiction treatment coverage should be available. Verify your plan’s specific benefits with your insurance provider to be certain.4
Blue Cross Blue Shield plans vary in the amount they will pay for rehab. Some may cover the entire cost of rehab, while others may only cover a percentage. In order to find out what your coverage is and what other payment options are available, be sure to contact BCBS since, in most cases, preauthorization is required.3