Using Blue Cross Blue Shield Insurance for Drug and Alcohol Treatment

Blue Cross Blue Shield covers substance use treatment across the nation. Learn how to use your Blue Cross Blue Shield plan for detox or rehab here.
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

Check Your Insurance Benefits

With the form below you can quickly and privately check your insurance benefits to see if you're covered for addiction treatment services. We’ll be able to tell you if your policy is in-network at an American Addiction Centers location.
How to Read Your Insurance Provider Card
  • 1Insurance Provider Name
  • 2Policy Member's Full Name
  • 3Policy Membership/Subscriber ID
Verification of Benefits Form

Please fill out the form below to verify your insurance coverage.

* These fields are required

(555) 555-5555
HIPAA badge
Blue Cross Blue Shield

Provider Overview

We know insurance can be hard to understand. We try to make the process easier. On this page, you’ll learn about:

  • Blue Cross Blue Shield insurance plans.
  • How to use Blue Cross Blue Shield insurance for rehab or detox.
  • How to find addiction treatment centers that accept Blue Cross Blue Shield.
  • How to check your Blue Cross Blue Shield insurance benefits.

Types of Blue Cross Blue Shield Insurance Plans

Blue Cross Blue Shield plans are broken into metal tiers: bronze, silver, gold (and in some states, platinum). Bronze plans have the lowest monthly premiums but the highest deductibles. Platinum plans have the highest monthly premiums but the lowest copays and deductibles.4 After you meet your deductible: 4

  • Bronze plans cover about 60% of your medical costs.
  • Silver plans cover about 70% of your medical costs.
  • Gold plans cover about 80% of your medical costs.

Medicare and Medicaid

Medicare is a federal health insurance plan for people age 65 and older, and those under 65 with certain disabilities or medical conditions. With Blue Cross Blue Shield, you add supplemental insurance plans for any healthcare needs that aren’t covered by Medicare alone. These supplemental plans include Medicare Advantage, prescription coverage (Medicare Part D), and Medigap.5

Medicaid offers health insurance to poor people and those who have certain physical and mental health conditions. BCBS offers Medicaid plans in 24 states and Puerto Rico.6

How Do I Know What Blue Cross Blue Shield Covers?

Insurance coverage for drug and alcohol addiction treatment varies by plan. It’s important to check with BCBS to understand what your plan covers and how much you’ll be expected to pay for yourself. This is called “out-of-pocket” costs and can include things like copays, deductibles, and monthly premiums.

There are a few ways to check what rehab and detox services your Blue Cross Blue Shield plan will cover:

  • BCBS plan members have access to a Member Services portal online. Log in to your account on the website to learn more about what your plan covers.
  • Call the number on the back of your insurance card to speak with customer service. They can walk through your plan details with you and help you estimate the costs of treatment.
  • Call the treatment center you’d like to go to. Most can check your benefits with you while you’re on the phone.

Does Blue Cross Blue Shield Cover Rehab or Detox?

If you have Blue Cross Blue Shield (BCBS) insurance, some or all of your drug and alcohol rehab and detox expenses will be covered. How much BCBS covers depends on the plan you have.

Under the Affordable Care Act, insurance companies like BCBS have to cover mental health care and treatment in some way. This includes treatment for substance use disorders (SUDs).2

If you are searching for SUD treatment for yourself or a loved one living with addiction, knowing what your insurance policy covers can give you peace of mind.

Treatment Types Blue Cross Blue Shield Covers

Blue Cross Blue Shield may cover some or all of the costs for different types of addiction treatment, including:3

How to Use Your Insurance Plan for Drug and Alcohol Treatment

There are many things to think about when you’re ready for drug and alcohol treatment. The most important thing is your desire to get and stay sober. Thinking about these topics ahead of time can help you focus on what matters most—your health and well being. Things to consider include:

Finding Rehabs that Accept Blue Cross Blue Shield

It should be fairly easy to find a detox or rehab center near you that accepts Blue Cross Blue Shield. Blue Cross Blue Shield offers health insurance in all 50 states.1 And many treatment centers work with BCBS, including American Addiction Centers.

In-Network vs. Out-of-Network

When a treatment center is in-network, it means they have an agreement with an insurance company—in this case, BCBS—to offer care for people at a lower rate. So, choosing an in-network treatment center will often cost you less.

If a treatment center is out-of-network, this means that BCBS does not have an agreement with them and may not cover costs. This may mean higher out-of-pocket costs. And, in some cases, you may need to pay for all services yourself.

If you can, work with an in-network provider for your drug and alcohol treatment. Try to find a detox or rehab center that is within your BCBS network so you can keep your treatment costs down.

Other Insurance and Payment Options

AAC Locations

Learn more about our treatment facilties

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.
View all locations