Horizon BCBS of New Jersey: Rehabs in NJ That Accept Blue Cross Blue Shield

Does Horizon BCBS insurance cover Inpatient Alcohol and Drug Rehab Centers?

If you’re struggling with substance use, you might be unsure how to ask for help. However, there are a lot of resources available that can help you break free from substance use and live a happier, healthier life.

If you have Horizon BlueCross BlueShield coverage, your health insurance may be able to help you pay for some or all of the cost of treatment. Horizon BCBS administers behavioral health and substance abuse benefits through Horizon Behavioral Health, which can connect you with doctors, therapists, and facilities that offer rehab services.^{1, bulleted list}

Rehab centers can check BCBS coverage quickly over the phone or online, or you can call the phone number on the back of your insurance card to get details about your health plan. You can also reach out to American Addiction Centers (AAC) over the phone, through chat, or through the form below to verify your insurance and learn more about treatment.

This guide will give you more information about how to use your Horizon BlueCross BlueShield insurance to access the rehab treatment you need.

What is Horizon BCBS?

Blue Cross Blue Shield is an organization of 34 independent insurance companies that together provide coverage throughout all 50 states.^{2, Blue Cross Blue Shield Companies} This includes Horizon BCBS, which covers New Jersey.^{2, Blue Cross Blue Shield Companies}

Horizon BCBS has been in operation since 1932 and focuses on offering high-quality health insurance to New Jersey businesses and families.^{3, Company Information} BCBS insurance plans allow you to get the medical care you need to stay healthy throughout your life.

Does Horizon BCBS covers drug treatment in NJ?

If you have Horizon BCBS, can you use your insurance to help pay for rehab? Yes, you can, thanks to the Affordable Care Act (ACA). The ACA requires all long-term insurance plans to cover 10 essential health benefits, which include mental health and substance use.^{4, fifth bullet}

How Much Does Horizon BCBS Cover Addiction Treatment?

The specific substance use treatment that is best for you will depend on a variety of factors. For example, your doctor will learn more about your substance use history, what substances you use, and what your home environment is like. Your doctor’s recommendation will impact what type of treatment your insurance plan will cover.

Some of the most common treatment options include:^{5, 6}

• Inpatient/Residential Rehab: Residential rehab is a live-in treatment program that provides 24-hour care and support for those struggling with addiction. Residents will participate in group and individual therapy sessions, as well as activities designed to promote their physical and emotional well-being.
• Outpatient rehab: Outpatient rehab is a type of treatment that allows you to live at home while attending therapy sessions. Outpatient rehab typically involves attending group and individual treatment sessions one or more times per week. During these sessions, you will work on skills that can help you to manage your symptoms and to cope with stressors in your life without substance use.
• Intensive Outpatient Programs (IOP): An IOP is a treatment program that allows you to live at home but receive more intensive therapy than a regular outpatient program. You’ll attend several hours of treatment per week but still have the opportunity to work or attend school outside of the treatment schedule.
• Partial Hospitalization Programs (PHP): In a PHP you’ll spend all day in treatment at a medical facility, but will be able to spend the night at your own home. This gives you access to intensive treatment without the living costs that come with an inpatient program.

Getting the right treatment for your needs is an important part of your recovery, and it’s also essential that you complete your entire program. It’s great to gain confidence during the process, but if you don’t finish the program you don’t have nearly as high a chance of success.

Does Horizon BCBS Insurance Cover Inpatient Mental Health Treatment Facilities?

Talking about mental health can be taboo in many environments, but when it comes to substance use, it’s important to be honest about your mental health as well as your substance use. Around 50% of those who struggle with substance use also have a mental health diagnosis, such as post-traumatic stress disorder (PTSD), attention deficit hyperactivity disorder (ADHD), anxiety, depression, and more.^{7, second paragraph}

Does Horizon health and rehab coverage also allow you to get mental health treatment? It does—the ACA includes both mental health and substance use treatment as part of the required 10 essential health benefits.^{4, fifth bullet}

Studies have shown that it’s important to treat both your mental health concerns and substance use together, rather than just treating one or the other. When you get integrated treatment, it gives you a significantly better result and helps you live a happier, healthier life in all areas.^{8, first paragraph}

Does Horizon BCBS covers alcohol and drug detox in NJ?

For some substance use patients, detox is an important part of the treatment process.^{5, Detox} If detox is a medically necessary part of your treatment, your insurance plan may pay for some or all of that portion of your treatment.

Keep in mind that detox is not treatment by itself. Instead, it’s the beginning of your treatment process, which may include inpatient or outpatient treatment programs.^{5, Detox}

How Long Does Horizon BCBS Insurance Cover Inpatient Alcohol and Drug Rehab program?

How long is rehab? A lot of people have this question, and the best answer is based on your specific situation. However, research shows that a longer treatment time is better, as most patients need at least 3 months of treatment to make a substantial change in their substance use habits.^{9, fifth point}

Each insurance plan will have its own guidelines for how much treatment is covered, so it’s important to verify your insurance coverage before you commit to a treatment plan. You can do that by calling the phone number on the back of your insurance card or by contacting AAC to review your insurance online or over the phone.

What if my Horizon BCBS policy does not cover an Inpatient rehab program?

You may find that your Blue Cross Blue Shield addiction treatment coverage doesn’t cover the substance use program that you’re most interested in, or maybe it covers part of the cost but not all of it. That doesn’t mean you shouldn’t get the treatment you need!

There are a variety of ways to pay for substance use treatment. You can talk to the treatment center about a payment plan, or find out if they offer scholarships. You may also be able to use savings or get a personal loan, or borrow money from family and friends.

When you’ve gotten free from substance use, you’ll be in a much better position personally, professionally, and financially. Your future is worth the investment in a rehab program.

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

One of the most important ways to maximize your Blue Cross Blue Shield drug rehab coverage is to use an in-network treatment program.

All insurance plans have a specific network of providers that have agreed to provide treatment to members for a lower price.^{10, What’s a provider network?} Using these in-network providers costs you less out-of-pocket, and many times you don’t get any coverage outside of this provider network.^{10, Why do some plans cover…}

Fortunately, many substance use treatment programs are in-network for Blue Cross Blue Shield. However, before you commit to a program it’s important to make sure that they accept Horizon BCBS. You can verify this by contacting the insurer directly using the number on the back of the card, or by contacting the treatment center.

How to find Horizon BCBS-covered Inpatient drug treatment centers in NJ?

Getting treatment is the best way to break free from substance use and move forward in a happier, healthier way. You’ll want to make sure that you take full advantage of your health insurance coverage so you can get the treatment you need.

You can call the AAC helpline anytime to verify your insurance over the phone and learn more about rehab. One of our high-quality treatment centers is Sunrise House right here in New Jersey. If you’re looking for a mountain escape while you learn new habits to live life without substances, it could be a great fit.

We’re here to help you get started on the road to a new life. You’re worth it. Contact us to get started today.