Even when you have health insurance, it can be difficult navigating the maze of insurance coverage for co-occurring disorders, substance abuse or alcohol addiction.
Because addiction is a chronic disease, people can’t simply stop using drugs for a few days and be cured. Most patients need long-term or repeated care to stop using completely and recover their lives.1
Even if you’re an experienced researcher or very web-savvy, in many cases you’ll only be guessing at what services are covered. Do you have Blue Cross, Blue Shield or Anthem Blue Cross or Blue Shield? It makes a difference. And did you know that Blue Shield’s California network is yet another entity, one that isn’t national? By placing a call and having your insurance card in hand, we at Michael’s House can help you sort through the myriad options and tell you how each one affects your coverage.
We accept most insurances. Some that we work with include:
- BlueCross BlueShield
- Magellan Health
- Value Options
- Exclusive Care
How To Determine Your Coverage
When someone is in need of substance abuse treatment for drugs, alcohol or a co-occurring disorder, there are often concerns about how much it will cost and who will pay.
Thankfully, we at Michael’s House are here to help. You can call us now—all you have to do is have your insurance info available—and we have the ability to give you all of the information you need. We can even recommend other programs if ours isn’t the best fit.
Some variations of insurance plans may work like HMOs, others like PPOs. Certain insurance companies may work only with their own providers or serve a large network. Certain providers reimburse the member instead of the provider. Each insurance provider may handle their claims in a slightly different manner. But don’t worry. We’re here to help.
Common Questions We Can Answer
- Am I “in network” or “out of network”?
- Is detox covered or not?
- What forms of treatment are covered by my insurance?
- How many days are covered for residential treatment?
- What’s the difference between Blue Shield in and out of California?
- Isn’t all Blue Cross Blue Shield coverage the same?
- What is Anthem, and how is it linked to BCBS?
Affordable Care Act
According to the Affordable Care Act, all health insurance plans must cover: behavioral health treatment, such as psychotherapy and counseling, mental and behavioral health inpatient services, and substance use disorder (commonly known as substance abuse) treatment.2
While you likely have some form of treatment covered by your insurance, it is important to have clarity in this process. Please call us at Michael’s House and we will help. Move past the confusion and get the answers you need. Please have your insurance info available and we can even tell you what forms of residential treatment are covered by your insurance. If you don’t have insurance, that is not a problem, as we are glad to help you learn more about your treatment options. Don’t wait any longer—move forward in your recovery today.
1 “Treatment Approaches for Drug Addiction.” National Institute on Drug Abuse. N.p., n.d. Web.Accessed 01 Aug. 2017.
2 “Mental health and substance abuse health coverage options.” HealthCare.gov. N.p., n.d. Web. Accessed 01 Aug. 2017.
Speak with an Admissions Coordinator 760-548-4032