Blue Cross Blue Shield of Mississippi for Drug & Alcohol Rehab

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

Blue Cross Blue Shield of Mississippi, like many BCBS providers, offers insurance coverage for alcohol and drug rehab centers with many of their plans. The type of coverage and out-of-pocket costs may vary by plan.

If you purchased your BCBS plan through the Health Insurance Marketplace, also known as HealthCare.gov, your plan is required to cover substance abuse treatment under the Affordable Care Act (ACA). Substance use disorder and mental health services are one of ten essential health benefits required under the ACA.^{1 (1st paragraph)}

BCBS plans typically provide coverage for services like:

• Inpatient care.
• Outpatient hospital visits.
• Partial hospitalization programs.
• Some professional services and office visits.

Rehab centers like American Addiction Centers can help you determine your coverage based on the information you provide them, or you can call the number on the back of your insurance card for more information about your plan. You can reach out to American Addiction Centers by phone, using the chat window online, or by filling out the form on the website.

How To Find BCBS of Mississippi Covered Inpatient Drug Treatment Centers in MS?

Treatment centers in your area can verify your benefits over the phone if you provide them with your insurance information. You can also talk to a BCBS representative by calling the customer service number printed on the back of your BCBS ID card.

American Addiction Centers can also help you find the answers you’re looking for. You can contact us however you’re most comfortable:

• Helpline—Call the helpline at . Our admission navigators are available 24 hours a day, 7 days a week.
• Web chat—you can find the chat box in the bottom right corner of our website.
• Verification of Benefits form on our website

We can help even if you don’t have your insurance card on hand. Call us at .

The American Addictions Centers Oxford Treatment Center offers a complete continuum of care, including on-site medical detox and medication-assisted treatment (MAT). Located in Etta, the Oxford Treatment Center includes inpatient and outpatient facilities in a quiet, peaceful setting surrounded by a national forest.

What Is BCBS of Mississippi?

BCBS of Mississippi is part of Blue Cross Blue Shield (BCBS). As one of the largest healthcare insurance providers, the BCBS companies serve groups, families, and individuals nationwide. BCBS contracts with more than 1.7 million doctors and hospitals, providing coverage for 110 million members.^{2 (2nd paragraph)}

BCBS is dedicated to improving the health of every Mississippian through the Blue Cross & Blue Shield of Mississippi Foundation, which works with community leaders, employee groups, schools, and other stakeholders on projects that increase health literacy and cultivate healthier environments. BCBS of Mississippi is committed to supporting a healthier Mississippi, and that includes support for substance abuse treatment.

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

Treatment options vary by intensity and length of treatment and location. The best option for you depends on what you and your doctor decide and may be based on your home environment, history, and the drug used.

Your BCBS plan may cover some or all of the cost of treatment. Your facility or a BCBS representative can verify coverage for you.

Some treatment types that may be covered include:

Inpatient treatment—Inpatient treatment is provided in medical clinics or hospitals. It may include rehab services and detox.^{3 (pg. 8)}

Residential rehab—These are live-in programs that offer structured care under supervision. Residential programs are especially helpful for those without strong support systems, stable homes, or employment.^{3 (pg. 9)}

Partial hospitalization programs (PHP)—Also called day treatment, partial hospitalization treatment programs are typically offered in medical clinics or hospitals. They provide full- or half-day treatment to people who live at home. They are best for those with supportive home environments.^{3 (pg. 10)}

Outpatient programs—These provide treatment in various locations, including community mental health clinics, counselors’ offices, health clinics, and residential programs that have outpatient clinics. Programs are often scheduled for evenings or weekends to accommodate work and school schedules.^3(pg.10)

Intensive outpatient programs (IOP)—IOPs are like outpatient programs but have more stringent attendance policies. Participants may be required to attend as many as 20 hours per week.^3(pg.10)

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

When you have a mental health disorder and a substance use disorder, they’re referred to as co-occurring disorders.^{4 (2nd paragraph)} Either can trigger or worsen the other, complicating treatment. Treating co-occurring disorders together—that is, treating the person as a whole – leads to better outcomes.^{4(1st paragraph)}

Under the Affordable Care Act, coverage for substance use disorder and mental health disorders is an essential health benefit that all Marketplace plans must cover.¹ That means that treatment for co-occurring disorders and stand-alone heroin rehab both fall under this mandate, for example. Your individual plan will determine your amount of coverage.

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

Substance use treatment is not a simple problem. Each person’s experience is different, and their treatment must be personalized to meet their individual needs. There is no single path or length of treatment that works for everybody. ^{5 (2nd paragraph)} Research suggests that the longer the treatment, the better the outcome.^{6(1st paragraph)} Specifically, treatment of fewer than 90 days is not as effective. ^{6(1st paragraph)}

The length of treatment your plan covers depends on which plan you have. Coverage varies from plan to plan. To find out details about your plan’s coverage, including the length of treatment covered, call BCBS at the number printed on the back of your BCBS ID card.

What if My BCBS of Mississippi Policy Does Not Cover an Inpatient Rehab Program?

Seeking treatment at a center that is covered by your BCBS plan is generally to your benefit. Many, if not most, treatment costs are covered when you use insurance. If your recovery requires treatment that isn’t covered by your plan, there may be other options to help cover costs. Some treatment centers offer financial assistance, like:

• Financing.
• Loans.
• Scholarships.
• Sliding scales (need-based fees).

Postponing treatment for any reason can be dangerous. If the cost of treatment may put your recovery in danger, ask the treatment center about assistance programs.

Some insurance plans offer reduced fees as well. Call the number on your BCBS ID card for more information.

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

Before you choose a treatment center, verify your plan coverage. You may need to choose a center that is in-network for your plan. Different types of plans typically have different requirements.

• Health Maintenance Organization (HMO) plans require in-network treatment centers.
• Preferred Provider Organization (PPO) plans may not require in-network centers but typically cover a larger percentage of treatment at preferred (in-network) centers.

With so many options and factors to consider, you may need to research your options. It’s essential to your recovery that you get the right type of treatment for your needs. That might mean the best option is out of network. Treatment centers are often willing to work with you to make treatment more affordable, offering financing, loans, scholarships, or sliding-scale fees. Talk to the facility before giving up.