Does Blue Cross Blue Shield Insurance Cover Heroin or Drug Rehab?

BlueCross BlueShield insurance provides healthcare solutions for people globally.1 In the United States, over 100 million Americans have BlueCross BlueShield coverage.1 If you are struggling with a heroin use problem, you can count on Blue Cross Blue Shield addiction treatment to be the first line of help in your journey to sobriety. BCBS insurance plans […]

BlueCross BlueShield insurance provides healthcare solutions for people globally.1 In the United States, over 100 million Americans have BlueCross BlueShield coverage.1 If you are struggling with a heroin use problem, you can count on Blue Cross Blue Shield addiction treatment to be the first line of help in your journey to sobriety.

BCBS insurance plans are well known in America and accepted in all 50 states. 2 More than 90% of doctors and specialists accept BCBS, making it easy to get treatment for your addiction issue.2

Understanding insurance can be complicated, but it primarily breaks down into 2 main types of plans, plus a health savings plan. The plan type you select depends on your specific needs, how much you use insurance, and whether you prefer lower monthly premiums and larger deductibles or higher monthly premiums and smaller deductibles. Let’s look at BCBS insurance plans in more detail: 3

Health Maintenance Organization (HMO): With an HMO, you will have lower monthly premiums but need to use a specific network of physicians, medical facilities, and specialists. These are your in-network providers.

Preferred Provider Organization (PPO): A PPO plan gives you access to providers that are both in- and out-of-network, and has a higher monthly cost than an HMO.

Health Savings Account (HSA): An HSA plan works alongside your HMO or PPO. Used for medical expenses, it allows you to make tax-deductible contributions and withdrawals.

To find out more specific information about whether your Blue Cross Blue Shield covers drug rehab, you can contact the rehab facility you’re interested in. They will check your insurance for you. Additionally, you can call the phone number listed on the back of your insurance card for information about Blue Cross Blue Shield substance abuse treatment coverage.

What Will Blue Cross Blue Shield Cover?

When seeking Blue Cross Blue Shield drug treatment, you may require a variety of programs to serve your needs as you transition from detox/withdrawal to a sober life. Some people might require more extensive BCBS drug rehab through their entire stay in treatment. It’s helpful to know what the different addiction programs are and how they work. Your Blue Cross Blue Shield Insurance drug treatment programs may cover some or all of the following:

  • Inpatient or residential rehab.
  • Outpatient rehab, including therapy.
  • Intensive outpatient program (IOP).
  • Partial hospitalization program (PHP).

Does Blue Cross Blue Shield Insurance Cover Mental Health Care?

Taking care of your mental health if you have a substance use disorder is critical. It is quite common for people with addiction issues to also have a mental health disorder.4 This is called co-occurring disorders because both conditions occur simultaneously.4 Some common mental health disorders people experience include:4

  • Anxiety disorders
  • Depressive disorders
  • Personality disorders
  • ADHD
  • Schizophrenia

If you’re wondering about your BCBS mental health coverage, you can be assured that you will be covered. The Affordable Care Act requires insurance companies to provide coverage for mental health care and treatment.5 You can seek treatment for both substance abuse treatment and mental health care under this mandate.5

How Long Does Blue Cross Blue Shield Insurance Cover Rehab?

While everyone has differing needs for detox and rehab, the longer you spend in treatment, the better chance you have for recovery. Drug addiction alters the structure of the brain and these changes can extend after substance use has ended. Treatment can help restore healthy brain function and behavior. Longer treatment times can promote better outcomes.6 Research shows that most people need at least 3 months of treatment to prevent relapse.6

Blue Cross Blue Shield drug detox treatment coverage depends on the policy and plan tier. The length of time you’ll be covered is based on your plan. Check the back of your insurance card for the phone number to call for more information.

What If My Blue Cross Blue Shield Policy Does Not Cover Alcohol and Drug Rehab?

If your Blue Cross Blue Shield drug rehab coverage doesn’t fully cover alcohol and drug rehab, you do have other options. Some addiction rehab facilities offer financing or scholarship opportunities. Many will allow you to set up a payment plan or pay on a sliding scale based on your income. It’s vital to seek treatment right away. Don’t put it off until a later time—your health and well-being are too important to risk.

Blue Cross Blue Shield In-Network vs. Out-of-Network Rehab Centers

In-network providers are doctors, specialists, and medical facilities that have a contract with BCBS to provide services at a discounted price. People who have an HMO will work with in-network providers. Out-of-network providers can be used with a PPO plan and in some emergency cases.

To check for in-network Blue Cross Blue Shield substance abuse providers, do the following:

  • Access the website’s main portal here.
  • If you already have an online account, select Login and see personalized information based on your plan.
  • If you don’t have an online account, you can still search for a doctor by selecting “search without logging in.” Type in the location and follow the prompts.

You can register for an online account here.

Check Blue Cross Blue Shield Coverage for Addiction Treatment

Blue Cross Blue Shield insurance covers treatment at addiction rehab centers. The most popular plans that cover addiction treatment are HMOs and PPOs. In addition, the metal tier you select determines the percentage of costs BCBS will cover. The main tiers include: 7

  • Bronze: This metal level has a low monthly payment and covers approximately 60% of medical costs.
  • Silver: With this level, you have a moderate monthly payment and will be covered for about 70% of medical costs.
  • Gold: This level has a higher monthly premium and covers around 80% of medical costs.
  • Platinum: This plan has the highest monthly payment, but has the most in coverage — about 90%.

At American Addiction Centers (AAC), we accept Blue Cross Blue Shield insurance. We can check BCBS coverage insurance for you, so you know just what rehab treatment costs will be included. Just fill out the form below to find out immediately if AAC is in-network with BCBS. If you prefer to speak to a representative, contact our helpline. Someone will be able to advise you about your benefits while you are on the phone. Don’t delay seeking treatment for yourself. You deserve to have good health.

Let’s verify your coverage for addiction treatment at an American Addiction Centers location. Your information is always confidential.


  1. Blue Cross Blue Shield. (2021). An Industry Pioneer.
  2. Blue Cross Blue Shield. (2021). Coverage that goes where you go: Travel worry-free with Blue Cross Blue Shield.
  3. Blue Cross Blue Shield. (2021). The Basics.
  4. National Institute of Mental Health. (2021). Substance Use and Co-Occurring Mental Disorders.
  5. gov. (n.d.). Mental health & substance abuse coverage.
  6. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide.
  7. Blue Cross Blue Shield. (2021). What’s the difference between bronze, silver and gold plans?
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