If you have health insurance or you’ve shopped for coverage lately, you’ve probably heard of Blue Cross Blue Shield (BCBS). This is one of the largest health insurance companies selling products in the United States today.
And if you have coverage, you may be wondering if the company will pay for the addiction care you need. The answer to that question is “yes,” although you’ll need to scrutinize your benefits package and complete a few crucial paperwork steps before you enroll.
That means each company can make its own choices about what to cover and what rules to apply before members can use their benefits. Under some plans, you could get care with no hassles at all and see full reimbursement for charges. In others, you’ll need to get preauthorization before accepting any kind of care, and you’ll face a penalty if you work with a provider that does not have a special BCBS contract.
No companies, including Blue Cross Blue Shield, can eliminate all coverage for addiction care. Laws ensure that companies provide the same level of coverage for mental health services that they do for physical services.
But that doesn’t mean companies are required to pay for all of your care, no matter where you go, with no hassles. You’ll need to follow the rules of your company and your plan to save the most money.