BCBS of Michigan Insurance Coverage for Rehabs

Blue Cross Blue Shield of Michigan Coverage for Inpatient Rehab

Alcohol and drug rehabilitation services are located throughout the state of Michigan, and Blue Cross Blue Shield of Michigan can help you enter one of the many inpatient programs available. Part of the behavioral healthcare coverage offered under their plans includes access to rehab centers. State-funded rehab in Michigan—as well as private centers—can help you get your life back on track.

You can check your coverage in a few different ways. If you have the Blue Cross mobile app downloaded onto your smartphone, you can check your status under My Coverage. You may also browse through the member handbook you received in the mail or call and speak to a customer service representative. You can find the number to call on the back of your Blue Care Network ID card.

What Is BCBS of Michigan?

BCBS Michigan is a non-profit mutual insurance company founded in 1939.^{2 (“Who we are”)} They are Michigan’s largest health insurer, serving over 4.5 million people in the state.^{2 (“Who We Are”)} They boast the biggest network of doctors and hospitals across the state and are an independent licensee of the Blue Cross and Blue Shield Association.^{2 (“Who we are”)} They sell traditional, PPO, HMO, Medicare, Medicaid, and state plans—to name a few.^{2 (“What We Do”)}

There are many Blue Cross Blue Shield of Michigan drug treatment centers to choose from. You can select one close to home or in another part of the state if you wish to distance yourself.

How Much Does BCBS of Michigan Cover (Addiction Treatment)?

Blue Cross Blue Shield of Michigan substance abuse treatment coverage exists. Depending on the type of plan you have, it might cover some or all of the costs associated with inpatient (or residential) rehab, outpatient rehab (or therapy), intensive outpatient programs (IOP), and partial hospitalization programs (PHP).

There are multiple plans available through BCBS of MI. Bronze plans—which have the lowest monthly payments for folks over 30—will have you paying full cost for quite a few services before you pay the deductible.³ On the HMO Preferred Bronze, you have an $8,500 individual/$17,000 family deductible, and you’ll need prior authorization for inpatient substance abuse services.^{4 (Pages 1&4)}

Should you have the Preferred HMO Silver plan, you get a $3,000 individual/$6,000 annual deductible, but get a 30% coinsurance for inpatient substance abuse services if they are in-network.^{5 (Pages 1&4)} Anything out-of-network is not covered.

On the Premier PPO Gold plan, your deductible for in-network providers is $750 individual/$1,500 family.^{6 (Page 1)} Substance abuse outpatient services are $30 per visit and have a 20% coinsurance for other outpatient services if you’re in-network.^{6 (Page 4)} Out-of-network, you have a 40% coinsurance.^{6 (Page 4)} If you use inpatient services within the network, you have a 20% coinsurance.^{6 (Page 4)} Going out-of-network leaves you with a 20% coinsurance for substance abuse services but 40% for all other inpatient services.^{6 (Page 4)} Also, you can only use BCBSM approved facilities and must have prior authorization.

Types of Addiction Treatment That Blue Cross Blue Shield of Michigan May Cover

Coverage for detox, rehab, and other types of addiction treatment will vary depending on your specific Blue Cross Blue Shield of Mississippi insurance plan. Still, your insurance plan should provide at least some coverage for substance use, including alcohol, marijuana, or opioids.

BCBS of Mississippi may cover several types of addiction treatment, including:

• Medical detox: Medical detox can help you avoid significant side effects as your body rids the drugs in your system. Professionals can help you comfortably and safely manage your withdrawal symptoms and prepare for ongoing addiction treatment such as inpatient or outpatient rehab.
• Inpatient treatment programs: Inpatient programs allow you to live at the facility 24/7 for several weeks or months. You’ll process emotions, learn new habits, and practice living life without substances. This can be a good option if you want around-the-clock care.
• Outpatient programs: If you need to attend to family, school, or work during treatment, you may benefit from an outpatient program. You can live at home and attend treatment several hours per week. Many times outpatient programs follow inpatient treatment as a step-down.
• Intensive outpatient programs (IOP): For those who can live at home but need more intensive care than a traditional outpatient program, there are intensive outpatient programs. An IOP allows you to stay at home overnight while having several hours of treatment throughout the week.
• Partial hospitalization programs (PHP): Partial hospitalization programs are a good option for those who need full-time care but can return home at night. You’ll attend treatment up to at least five days a week for several hours each day.
• Aftercare: Aftercare helps ensure that the changes you made in treatment last over the long term. This part of your program will give you the support you need to maintain your new habits and substance-free lifestyle.

Does Blue Cross Blue Shield of Michigan Provide Coverage for Mental Health Facilities?

BCBS Michigan complies with the Affordable Care Act (ACA), which requires insurance companies to cover mental health care and treatment options. This means that treatment for a co-occurring disorder and stand-alone drug rehab are covered to some extent.

Somewhere around 9.2 million American adults have a co-occurring disorder, which is the existence of any two substance use disorders (SUDs) and mental disorders as identified by the Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition (DSM-5).⁷ Those with SUDs are more likely to develop at least one chronic disease or primary condition, such as a mental health condition.^{7 (Paragraph 1)} For these people, rehab can mean using medication-assisted treatment (MAT) in conjunction with traditional therapy approaches to simultaneously treat both conditions.^{7 (Paragraph 1)}

Does Blue Cross Blue Shield of Michigan Cover Addiction Treatment Therapies?

BCBS of Michigan covers Michigan drug rehab services that are both inpatient and outpatient. Hospitalization is also covered, and your pre-therapy detox falls within the boundaries of your specific plan. Most BCBS plans include residential treatment, but you might have a few requirements to meet first.⁸ Therefore, it is important to check your coverage before settling on a particular rehab. Also, bear in mind that all Blue Care Network HMO plans require preauthorization for behavioral services, but only some PPO plans require it. Whenever preauthorization is needed, providers will contact BCBS.

How Long Does BCBS of Michigan Insurance Cover Alcohol and Drug Rehab Programs?

A stay in rehab might last somewhere between 30 and 90 days.  Long-term care has many noted advantages, such as better promoting the person’s sense of responsibility.^{9 (“Conclusion”)} Motivational constructs and immersion in a supportive community for a longer period of time can influence long-term sobriety.^{10 (“Implications and Future Directions”, par. 1)} You might find you have more social support with the backing of recovery and 12-step groups after leaving your inpatient rehab program.^{10 (“Implications and Future Directions, par. 1)}

Since there are numerous types of plans with multiple coverage tiers in each, the length of time covered by BCBS will depend on your plan. Some plans might cover 90 days, while others only cover 30—hence why it is vital to look up your plan using the contact information given on your insurance card.

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

Depending on which rehab you choose, you might have access to financing or scholarship options. Scholarships are often awarded on an as-needed basis, providing partial or full funding for the cost of care. Some state-funded facilities will offer funding for people in the form of grants.

You can also try reaching out to local non-profit organizations, churches, and charities to see if they can help cover the cost of treatment. In addition, you may also be able to find specific corporations that have addiction scholarships and grants available in Michigan.

Don’t put off getting treatment. Even if you don’t think you have the money, there are ways to get your stay financed. Getting treatment now can save your physical and mental health, not to mention all the money you’d end up spending down the road.

BCBS of Michigan In-Network vs. Out-of-Network Inpatient Rehab Centers

In-network providers are those that accept your insurance plan. Some doctors, hospitals, and rehabs only accept certain insurance providers. Anyone they don’t accept is out-of-network. You can check with BCBS of Michigan to see if the Michigan drug rehabilitation center you wish to attend is in- or out-of-network by inquiring about your plan. You can also contact the rehab facility directly and ask them if they accept BCBS.

What Rehab Centers Take Blue Cross Blue Shield of Michigan Insurance?

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 local rehab near you 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.

How To Verify BCBS of Michigan Insurance Coverage of Alcohol and Drug Rehab?

Finding drug treatment centers that accept BCBS of Michigan can feel overwhelming, but there are tools to simplify the process. Start by contacting local facilities to confirm they work with your insurance. You can also verify your insurance to see what treatment options your plan covers. For a faster way to explore care, use our tool to find rehabs near you and filter by insurance type, location, or program style. This ensures you find a program aligned with your coverage and recovery needs.