Rehab Centers That Accept BCBS Insurance In Virginia
Those struggling to overcome a substance abuse problem have to work hard to regain their health. They must often undergo intense treatment to help them determine the root cause of their illness. For many patients, professional help will be needed so that they can stop use of their substance and develop the skills needed to avoid a relapse in the future.
Rehab can provide these important resources, but many patients and families worry about cost. Fortunately, insurance companies, like Blue Cross Blue Shield, are required to provide at least some degree of coverage for substance abuse treatment.
Blue Cross Blue Shield Substance Abuse Coverage In Virginia
For patients in Virginia, Blue Cross Blue Shield coverage is provided through Anthem. The available plans currently are categorized into one of the following three levels: Gold, Silver or Bronze. These levels indicate how high the premiums will be and the amount that the patient can expect to pay out of pocket for their coverage. Typically, the higher the plan is ranked, the higher the premium will be, but the lower the costs for actual care.
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The chief differences between BCBS plans in Vermont lie in the coinsurance or copayments levels charged for services and the deductible that must be met. One of the biggest differences, lies in the health savings account. Currently only a few Bronze Level plans offered in Virginia are eligible to be paired with a health savings account. This options allows patients to put aside tax-free money that can be used specifically for medical expenses, including deductibles, coinsurance, or copayments.
It may also be possible to use this account to save for extra therapy after the patient returns home or other desired services. Typically, when a patient finishes their main rehab treatment, it is beneficial for them to continue with some form of outpatient treatment, such as a halfway house, outpatient therapy, or 12-step meetings. Health savings accounts are an excellent way to save for the expenses associated with this treatment.
Medications
Medications can be important for those recovering from substance abuse. Medications can help with sobriety or with a variety of co occurring disorders. On all of the plans, medications are classified into certain tiers. These tiers impact how much patient will pay out-of-pocket for a particular drug. Each patient should have access to a list of drugs included in each tier. This information can be used when planning treatment with a provider to maintain quality care without unnecessary expenses. Medications on all plans are generally paid for with either coinsurance or copayment.
ER Services
The emergency room is an important part of treatment for many patients. It is not uncommon for illicit substances to cause serious health problems and thankfully, most of the plans in Virginia from Anthem have coinsurance rates for ER stays. Patients and their loved ones should keep this expense in mind should they find themselves in need of emergency services throughout their battle with substance abuse.
Inpatient And Outpatient Treatment
Patients under these plans will have access to a variety of different inpatient and outpatient treatment centers. Regardless of whether the patient is in need of inpatient or outpatient treatment, coverage will be provided with a coinsurance payment for most plans. Patients and their loved ones should take this expense into account as they begin their search for the right center.
Finding the right rehab treatment can make an enormous difference in the life and health of those struggling with substance abuse disorders. Patients should review their insurance plans and find the facility and the care that can help them get started on the path towards health. If you need help understanding your insurance plan and how it can help you pay for rehab, please contact us at RehabCenter.net to learn more.
