Paying for drug rehab in PA is a common concern for individuals and families. In fact, it’s the single-biggest barrier for many, causing people to feel like they need to live with the addiction because they can’t afford treatment. While the cost of rehab varies widely, there are ways to keep your costs down without compromising the quality of care you receive. One of those ways is by choosing a rehab facility that is in-network with your insurance provider.
Recovery Cove is proud to be in-network with all Blue Cross Blue Shield plans. To be ‘in-network’ means that we have a contract with BCBS and are able to provide health care services to clients with this insurance at a discounted rate. To verify your insurance coverage over the phone, contact Recovery Cove at 484-549-COVE.
Will Blue Cross Blue Shield Cover All Treatment Costs?
BCBS is one of the largest healthcare insurers in the United States, providing health care coverage to more than 100 million people. Having BCBS insurance ensures that you receive coverage for medically necessary services. Thanks to the Affordable Care Act of 2008, substance use treatment is legally considered a medically necessary service.
However, each insurance plan is different, so it’s important to know what yours covers. Some plans provide coverage for inpatient or residential treatment, while others only offer coverage for outpatient services. Furthermore, you will be responsible for paying your coinsurance, deductible and copays, which also vary depending on your plan.
The best way to know what your insurance covers is by calling them directly or calling the treatment center of your choice and having them verify your benefits. For example, when you call Recovery Cove, our admissions team will run your insurance, determine what services are covered and provide you with daily out-of-pocket costs.
What Happens if I Don’t Have Enough Coverage for Rehab?
While many treatment centers accept Blue Cross Blue Shield, your specific policy may not cover the entire cost of drug rehab in PA. Many policies still have a limit, which means your policy could run out or cover only a portion of your total treatment costs.
Fortunately, there are ways to fund the additional costs of treatment. Some options include:
- Add-ons or extensions to your BCBS policy
- Cash payments or credit cards
- Financing through the rehab (if available)
- Collateralization of assets
- Low-interest personal loans
- Borrowing from a friend or family member
Remember, paying for drug rehab is an investment in your health - your life. An average 3-month outpatient program costs $5,000 per patient. Heroin addicts spend between $80 and $200 a day, which comes out to $2,400 and $6,000 a month, respectively. Therefore, funding an addiction costs far more than paying for rehab.
Verify Your Insurance Coverage Today
Recovery Cove is in-network with Blue Cross Blue Shield. Contact our admissions team at 484-549-COVE to verify your benefits and determine what services are covered under your plan. We can also provide you with more information on how to make our outpatient treatment services more affordable for you or a loved one.