Paying for Rehab Using Horizon BCBS
When trying to pay for addiction treatment, most people are unaware of what level of coverage they have. Here at Crest View Recovery Center, we are able to provide you with an independent review to show you every ounce of help you are able to obtain from your insurance provider. Our team can step in and determine which drug and alcohol rehabilitation treatments your insurance company covers and how long you are able to stay under your policy.
There are three different routes individuals can take to pay for treatment. The first option is always private pay. By paying out of pocket, individuals don’t have to go through other sources to be able to be approved for rehab. This option poses the lowest risk of being denied treatment based on the cost.
The second option is applying for scholarships we have available thanks to our many sponsors and generous donations. This is the option we cannot guarantee to everyone because of the limited funds we are able to give away. The final option is working with your insurance provider to figure out what costs are covered by your policy. This could determine whether your entire treatment can be paid for, or if you are only able to receive partial financial assistance.
Does Your Provider Cover You?
Substance abuse treatment does not come at a small price, and most individuals having to go through the process are not aware that their insurance provider can cut down the cost of treatment immensely. Our trained specialists at Crest View will review your Horizon Blue Cross Blue Shield coverage plan and provide more information on the amount of financial help you are able to receive from your insurance company.
With our help, you should be able to cut the costs of treatment and medications down significantly. We know that this could ultimately be the deciding factor on whether or not you or your loved one is able to attend rehab.
Horizon Blue Cross Blue Shield Insurance Benefits
Horizon BCBS is a healthcare partner that has been in business for almost four decades and has served over 1.6 million U.S. citizens. They specialize in behavioral health and partner with hospitals across the country to manage and improve the already existing behavioral health programs within the facilities. They also have created their own brand of behavioral health treatments and practices to be implemented into these facilities, as well.
They focus on improvement and efficiency within local hospitals and treatment centers. Their goal is to ensure their patients are receiving quality techniques, such as provide patients and families with necessary materials, develop policies and even implement programs like music memory and reminiscence rooms for the elderly.
Is it Necessary to Use In-Network Services?
There are many financial situations where in-network companies associated with Crest View will be necessary to help fund the treatment. Choosing an in-network provider versus an out-of-network provider can increase the chance of being able to attend rehabilitation programs for the amount of time necessary the patient requires to fully recovery from the substance addiction.
Because it is an in-network company, our specialists here at Crest View are able to review your plan and quote a treatment payment amount based on your Horizon insurance coverage. If you are required to pay a deductible, Horizon may help to cut the cost for you because it is in-network.
Other Benefits of Horizon BCBS
Not only is a Horizon beneficial to your stay in our treatment center, but it is also beneficial to your overall health and your life beyond rehab. Through Horizon, you will always have the latest and greatest technology and programs. This is because they are constantly researching and implementing new research into their techniques that they teach their healthcare partners.
Horizon BCBS also caters to every patient across the board, and their system is customizable to meet unique needs or situations. Because they strive to help as many patients as they can, they are helping the greater population health of the country. Horizon’s team and programs have led to improvements within the mental health crisis and the opiate crisis that the United States has faced in recent years.
Reviewing Your Policy
More people than ever are able to afford insurance, and our team here at Crest View wants to take full advantage of everything your policy has to offer. With our many years of experience, we will be able to find every ounce of help you can receive from your Horizon policy.
At Crest View, an independent review of your Horizon coverage will determine:
- Which alcohol and drug rehabs you are eligible for
- How long you can attend the program (30, 60, 90 days, etc.)
- Which level of care will be covered
By allowing us review what expenses your Horizon plan will cover at our facility, our team at Crest View is able to identify all the factors to help you determine whether treatment is going to be affordable or not. This will help you understand how much you can expect to pay out of pocket for treatments.
Coverage for Treatment
When it comes to insurance coverage, different factors can play into an individual’s amount they are required to pay. Some of these factors can include the state or country, the type of detox or treatment program, the length of stay and much more. Even with prior approval from Horizon, individuals going through treatment may have to pay a deductible at the time of admission.
Some of the types of treatment Horizon prides themselves on offering payment help towards can include but are not limited to:
- Inpatient Rehabilitation
- Outpatient Rehabilitation
- Partial Hospitalization
- Intensive Outpatient Treatment
- Medically Managed Detoxification
Coverage for Detox
Because substance abuse disorders are so serious, an individual going through substance addiction cannot rid their body of the substance all at once. Detoxification is the medical process of slowly weaning an addicted individual off of the substance they have been abusing. Over time, this process completely eliminates the drugs or alcohol from the patient’s body.
During this process, the patient will experience physical and mental symptoms called “withdrawal symptoms.” The symptoms can be very painful and include things like increased heart rates, profuse sweating and even seizures in some cases. These can be so severe that around the clock medical care will be needed in order to insure the patient’s safety and health. This is what your Horizon plan will help cover the cost of.
Once this process has been completed, the treated patient will be transferred over to a rehabilitation facility to begin professionally recommended treatments for their addiction disorders. Horizon can cover the majority, if not the entirety, of the cost of the medical detox stay and medication.
Coverage for Mental Health
Mental health disorders affect nearly half of American adults during their lifetime. Because this number is so high, treatment centers around the United States are seeing an influx of mental health disorder patients. In order to receive proper care and treatment, coverage for mental health treatment is extremely important to have access to within your insurance company.
Most patients admitted into rehabilitation programs end up being dually diagnosed with mental disorders as well as substance disorders. This is why choosing an insurance provider that covers treatment for both is very important to consider. With Horizon BCBS, policyholders will receive payment help in multiple levels of care including short-term residential treatment, long-term residential treatment and even halfway house services.
Inpatient and Outpatient Treatment Coverage
There are two different types of addiction treatment. The most notable is inpatient treatment, which many people also call residential treatment. In this kind of program, patients stay at their rehab facility 24 hours a day, 7 days a week during the recovery process.
The other main type of rehab program is outpatient treatment. During this kind of program, individuals still participate in their daily lives. They may continue to attend school or go to work. However, they still attend treatment and go through therapy. Whether a potential patient is admitted into an inpatient or outpatient treatment program will depend on his or her medical and mental status.
When it comes to choosing a Horizon plan that covers inpatient and outpatient services, there is one main category you might want to consider. All of Horizon’s TotalCare plans cover the cost of most drug and alcohol rehabilitation treatments within in-network facilities. Their other plans fall under what is known as a “fee-for-service” plan, and this is where services are bundled into groups and paid for separately after a consultation with our facility has happened.
What Crest View’s Team Can Do For You
Our team at Crest View is here to assist you as best we can in finding the best treatments and programs to ensure a fast and speedy recovery. We understand the importance of being a treatment facility that not only caters to your health condition but also your budget at the same time. We are dedicated to helping you find every option that best suits you.
If you or someone you know is thinking about attending one of our treatment programs but isn’t sure if he or she is able to afford it, we are here to assist. Don’t hesitate to contact us today by calling (866) 327-2505.