BCBS of Tennessee Coverage For Substance Abuse Treatment Near Me

Does BCBS of Tennessee Insurance Cover Inpatient Alcohol and Drug Rehab Centers?

Blue Cross Blue Shield of Tennessee provides adequate drug and alcohol coverage under their behavioral health department.^1(top) With an aim for promoting greater well-being for their clients, BCBS of Tennessee is committed to helping people identify and treat any type of substance abuse disorder they may be facing.^1(top)

You can find out about your Blue Cross Blue Shield of Tennessee substance abuse treatment coverage in any of the following ways:

• Call a rehab facility of your choice, and they will verify your insurance for you.
• Fill out the form at the bottom of this web page.
• Call the number on the back of your insurance card for specific plan information.
• Initiate a chat online with a rehab center of your choice.

How To Find BCBS of Tennessee Covered Inpatient Drug Treatment Centers in TN?

Finding inpatient drug treatment centers that accept BCBS of Tennessee 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.

Many people use private and other types of health insurance in Tennessee to obtain substance use disorder treatment. In 2017, the following was true:²

• 16,765 clients participated in substance abuse treatment.
• There were 217 substance abuse treatment centers.
• 165 facilities accept private health insurance, such as BCBS of TN.
• 205 facilities accept cash or self-payment.
• 97 facilities accept Medicare.
• 137 facilities accept Medicaid.

What Is BCBS of Tennessee?

Since 1945, Blue Cross Blue Shield of Tennessee has delivered healthcare solutions to Tennessee residents.³ With 29,000 healthcare providers across the state and 3.5 million members, you’re sure to find the services and care you need through Blue Cross Blue Shield of Tennessee insurance rehab.³

The BCBS of TN is a not-for-profit company located right in the state for easy access.³ They also extend coverage to approximately 11,000 employer groups.³

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

Blue Cross Blue Shield of Tennessee insurance drug treatment programs may vary in cost based on several factors and components. Some people need more extensive treatment, while others may only need minimal outpatient therapy to get on track.⁴ These factors can affect the cost of your rehab.

Also, the metal level you select can make a difference in what your out-of-pocket costs may be.⁵ For example, Blue Cross Blue Shield of Tennessee is like other Marketplace plans and is broken down into these levels:⁶

• Bronze level
• Silver level
• Gold level
• Platinum level

Each level has varying monthly premiums, co-pays, and deductibles. This can impact your overall cost for Blue Cross Blue Shield of Tennessee drug detox treatment. However, you can expect at least partial coverage for the following types of treatment programs:

Medical detox: Medical detox involves removing whatever substance you are using from the body. This is done under medical supervision for safety and comfort.⁷

Inpatient treatment: You will stay in the rehab facility overnight and obtain 24-hour care when participating in an inpatient program.⁸ The duration of your stay depends on whether you participate in long- or short-term residential rehab.

Partial hospitalization programs (PHP): Patients may attend a PHP as a step-down from the inpatient program. This program involves intense treatment for several hours, but you won’t stay overnight.⁹

Intensive outpatient programs (IOP): After detox or inpatient rehab, you may wish to benefit from intensive outpatient therapy. This program consists of several hours of therapy throughout the week.⁸

Outpatient therapy and treatment programs: A standard outpatient therapy program includes sessions about once a week.¹⁰

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

Many people with a substance use disorder are also dealing with a mental health disorder at the same time.¹¹ This is referred to as a comorbidity or co-occurring disorder. It’s vital to determine whether you have a co-occurring disorder and, if so, treat the conditions in tandem. Several common risk factors contribute to mental illness and substance abuse simultaneously.¹¹ Researchers aren’t exactly clear what the causes or reasons for these conditions to occur together.¹¹

If you do have a co-occurring disorder, you can receive treatment for both conditions. Under the Affordable Care Act, insurance providers must recognize issues like mental illness and substance abuse as equal to other conditions.¹²

How Long Will BCBS of Tennessee Insurance Cover Alcohol and Drug Rehab Programs?

The length of time you need to be in one of the BCBS of Tennessee rehabilitation centers varies depending on the severity of your condition. You may want to continue therapy on an outpatient basis even after you have finished with detox or inpatient rehab. Whatever program you choose, experts recommend that you strive for at least a three-month stay in rehab.¹³

Since there are different kinds of policy types and coverages, including metal levels, the length of time that may be covered by a BCBS of Tennessee treatment center will depend on the specifics of your plan. You can find the details about your plan on your insurance card.

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

Some people may be worried that their policy won’t cover BCBS residential treatment centers in Tennessee. What can you do if this happens to you? Don’t despair if you think you won’t have coverage. There are plenty of other options. You can check with a BCBS of Tennessee substance abuse treatment facility about their financial payment plan arrangements. Some facilities even offer scholarships or other ways to receive treatment at a reduced cost. It’s best to address any addiction issues you have now. Treatment centers will do everything possible to help you with the costs

BCBS of Tennessee In-Network vs. Out-of-Network Inpatient Drug Rehab Centers

Blue Cross Blue Shield of Tennessee works with a large group of doctors and providers that have agreed to give members discounted care because they are in-network.¹⁴ Providers who are not within BCBS of TN network will not give the discount, so the rates are higher.¹⁴

You can find out what doctors and facilities are in-network by contacting the rehab facility directly or using the search tool.

What Rehab Centers Take Blue Cross Blue Shield of Tennessee 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 search tool to find a list of facilities and programs. You can search by location and filter by Blue Cross Blue Shield insurance.