Rehab Centers That Accept BCBS Insurance In Florida

Coverage Options in Florida

Florida policies offer several plans that help with long-term recovery goals. The coverage for mental health disorders and substance use disorders depends on the policy details and the needs of the individual or family.

In most cases, the policies require that an individual pay a stated deductible before coverage applies to mental health disorders and substance abuse; however, some policies also require a co-insurance or co-payment for treatment. In Florida, individuals can choose from Bronze to Platinum policies through Blue Cross Blue Shield or companies that work with Blue Cross Blue Shield.

Generally, Bronze and Silver policies offer standard coverage and have a higher out-of-pocket cost due to a higher deductible and a lower amount of coverage for mental health disorders. Gold and Platinum policies usually cover a greater amount of the costs, but have a higher monthly expense. In most policies through Blue Cross Blue Shield, the cost of out-of-network treatment is higher than the cost of in-network treatment due to the co-insurance rates. An out-of-network rehab center usually requires that the individual pay for a larger portion of the treatment expenses up to the out-of-pocket maximum. For example, a policy might require a 50 percent co-insurance cost for out-of-network in-patient treatment, but it has stated co-payment amount for in-network treatment in a similar residential program.

BCBS Policy Limitations

The limitations in a policy from Blue Cross Blue Shield depend on the details of the plan. Although the policies usually cover in-patient and out-patient treatment for substance abuse and mental health disorders, the exact amount of coverage varies. In most cases, limitations apply to the costs of treatment when working with Blue Cross Blue Shield. For example, certain programs have higher costs and cost shares when compared to other programs based on the network or the treatments provided in the facility.

Evaluate the details before seeking treatment for substance abuse or a mental health disorder. Some policies set limitations on the duration of treatment or have exclusions for specific types of programs. For example, a policy can exclude treatments with limited evidence to determine the effectiveness of the treatment or certain types of alternative therapies like massage therapy.

Treatment Programs And Options With BCBS

In Florida, Blue Cross Blue Shield policies allow individuals to seek treatment for substance abuse and focus on obtaining long-term goals for recovery. The best facilities depend on the details of the policy and personal needs, so individuals must compare programs based on their goals.

As a general rule, opt for an in-network treatment plan because the policies usually cover a larger percentage of the costs. After evaluating the coverage for a specific program, compare the types of treatments the facility offers.

The best treatment programs focus on personal needs and create an individual treatment program based on the situation. They also offer treatments for co-occurring disorders so that individuals address the underlying causes of substance abuse. A holistic or evidence-based treatment program uses tools like medical treatments for physical ailments, cognitive-behavioral therapy to address personal actions and thought processes, and counseling to discuss the situation with a professional.

Traditional treatments, like group therapy and family therapy, are usually available in treatment programs. The best facilities use a combination of treatment options to help with long-term goals and reduce the risk of a relapse when an individual abuses drugs or alcohol.

Recovering in Florida

Florida offers a variety of options to help with long-term recovery goals and plans. Since Blue Cross Blue Shield policies allow individuals to seek treatment for substance abuse or mental health disorders, individuals can compare different programs to find the best rehab center for personal needs. To learn more about treatment in Florida, contact us at RehabCenter.net.