Helping You Navigate Your Empire BlueCross Drug Rehab Policy
Many facilities across the country accept Empire BlueCross insurance plans for addiction treatment services. Here at Crew View Recovery Center, we work with clients who have insurance plans through this company.
Facilities in all 50 states accept Blue Cross Blue Shield and the insurance company covers more than 100 million Americans. As a network, it is made up of more than 35 independent and locally operated agencies. All of these agencies help policyholders navigate state laws regarding health care. More than 96 percent of hospitals and 92 percent of health care providers work directly with a BCBS agency.
If you have an insurance plan from Blue Cross Blue Shield, then you should have several options for a successful and healthy recovery from addiction.
Does My Policy Cover Rehab?
Likely, your insurance policy covers behavioral health services. So, if you are looking for treatment services that can help you, your BCBS policy may make that possible for you!
Trying to find out if your Empire BlueCross policy covers the cost of substance abuse treatment for either you or a loved one can be overwhelming. That’s why we pride ourselves on having an expertly trained staff of addiction experts that are ready and willing to help you navigate through the intricacies of your policy. All you need to do is call and we will take care of the rest.
At Crest View Recovery Center, we want to make sure you get the help you need. That’s why we will work with you to identify which drug and alcohol rehab programs accept your insurance and for how long.
Will I Be Covered for Detox as Well?
In most cases, before starting treatment a patient will need to undergo a detox process. It’s true that this is not a requirement for everyone undergoing substance abuse treatment. Still, detoxing in a facility is recommended in order to be able to be monitored by medical professionals during the detox process. Detoxing without the supervision of medical professionals can be very dangerous and even life-threatening.
Depending on your policy, your inpatient or outpatient detox might be covered at least partially. If you have an HMO plan, you may only be covered if you attend an HMO-contracted detox center. A PPO plan may enable you to choose from a broader variety of detox facilities.
Unlike some other insurance companies, Empire BlueCross offers more flexibility when it comes to detox treatment coverage. That’s why at Crest View Recovery Center we are proud to work along with Empire BlueCross to make sure that you can focus on your treatment and not have to worry about your insurance and how you will pay for the treatment.
How Does Empire BlueCross Work With Treatment Centers?
Empire BlueCross prides itself on being accepted in some capacity at most addiction treatment centers throughout the country, including Crest View Recovery Center. Just how much of the treatment is covered by your insurance policy can vary from state to state. To find out how much your current policy covers, you can either reach out to Empire BlueCross directly, or call us at Crest View Recovery Center and we will work with them to make sure that you can get treatment at an affordable price.
Will My Policy Only Work If It’s In-Network?
Empire BlueCross has two main plan categories: HMO (Health Maintenance Organization) plan or a PPO (Preferred Provider Organization) plan. While HMO plans tend to limit you to in-network facilities only, PPO plans provide more options. PPO plans will allow for out-of-network treatment, the out-of-pocket expenses will be higher.
At Crest View Recovery Center, our top priority is getting you the help that you need. That’s why we will work with both you and your insurance company to make sure that you get the treatment you need at a price you can afford.
Does Empire BlueCross Cover Inpatient Treatment?
Just like with all other forms of treatment, coverage for inpatient treatment varies based on the Empire BlueCross policy that you have. It also depends on the state and facility where you receive care and treatment services. For example, treatment at a hospital may mean different coverage then treatment at an addiction treatment center. Also, service provided by a physician’s office will cover different amounts than a service provided at a hospital or treatment facility.
The important thing to remember is, if your insurance policy covers your addiction treatment, it will do so regardless of the type of substance abuse problem. If you or someone you know suffers from a substance abuse problem, contact us at Crest View Recovery Center today. We will work with both you and your insurance company to make sure you get the help you need at a price you can afford.
How Do I Understand My Empire BlueCross Insurance Policy?
We know that understanding just what your insurance policy can be confusing at times. That’s why we have provided some terms and definitions to help give you a better understanding of what exactly your Empire BlueCross policy offers:
Premium – This is a monthly payment made to a health insurance company by the policyholder to maintain coverage. Many times, individuals are fortunate enough to have employer-provided insurance, meaning that the company picks up all or part of the monthly premium cost.
Coinsurance – Coinsurance, like a copayment, is a form of cost-sharing for services involving healthcare and prescription medications. It is never a flat fee and is always a percentage of the cost for a health service or Rx paid by a member once they have reached their deductible.
Deductible – This is the amount you will need to pay before your health insurance starts to cover a larger portion of your bills. As an example, if your deductible is $1,000, you must pay $1,000 for your own care “out-of-pocket” before the insurance kicks in and pays a higher percentage of the costs- the deductible resets yearly.
Out-of-pocket Maximum – This is the most amount of money you may have to pay in one year out of your own pocket for healthcare services you receive before your coinsurance covers 100 percent of the bill.
Does Empire BlueCross Cover Mental Health Treatment?
Mental health is just as important as substance abuse. In many cases, mental health issues can directly lead to substance abuse problems. That is why Empire BlueCross provides the same coverage for mental health treatment as it does for substance abuse treatment.
Common mental and behavioral health disorders may include:
- Eating disorders
- Bipolar disorder
- Post-traumatic stress disorder
At Crest View Recovery Center, your mental health is just as important as your physical well-being. That is why we are proud to offer mental health treatment at our facility as well. If you are suffering from mental health issues contact us immediately. We will work with both you and your Empire BlueCross to make sure that you get the help you need at an affordable price. We know your health is your number one priority. We work to make sure you know that your well-being is also our priority.
Helping You Understand Your Policy and Benefits
Let’s face it, an insurance policy can be a tricky thing to understand. At Crest View Recovery Center, we want to make the entire process as least stressful as possible. You already have enough going on with trying to recovery from substance abuse, the last thing you should be worried about is insurance. That’s why we will review your insurance policy and go over everything with you to make sure that you have a better understanding of what your insurance will cover and what may or may not come out of pocket.
Understanding your treatment center options is important for both your sobriety and long-term health goals. We do a thorough job of explaining what your insurance coverage and what your options for treatment are.
Why Is It Important to Use Your Empire BlueCross Drug Rehab Coverage at a High-Quality Facility?
While most facilities accept some form of insurance, keep in mind that not all facilities are created equally. Some treatment centers claim to be unique. In reality, many of them offer a universal, “one-size-fits-all” approach. Settling for the wrong treatment facility can actually cause more harm than good, leaving you prone to relapse shortly after treatment.
At CVRC, we realize that no two individuals seeking addiction recovery are the same. During the intake process, our admission staff takes the time to get to know every single client. We gather extensive background information, including addiction, family, and overall physical and mental health history to formulate the right plan for you or your loved one.
At CVRC, we also rely heavily on a reality-based therapy model. Our substance abuse programs put individuals in real-world experiences so that they can learn how to cope with life on life’s terms. When combined with evidence-based therapeutic modalities, it gives clients the best chance at achieving lasting sobriety.