Getting Addiction Treatment With Blue Cross Blue Shield
Typically, the last thing anyone wants to think about when finding addiction care are their coverage options. Navigating coverage options is a necessary, yet tedious part of learning about the coverage options you have available. If you are covered by Blue Cross Blue Shield in Norman, OK here are some things to know about addiction treatment. You will likely be covered by either the Preferred or Advantage plan which each offer different tiers of coverage that vary by tier. Here is a breakdown:
- Blue Preferred PPO:
- High monthly premium
- Accepted by a variety of facilities
- Gold, Silver, and Bronze tiers
- Each tier covers addiction treatment, however, co-pays and deductibles may apply and differ by tier.
- Blue Advantage PPO:
- Lower monthly premium
- Provides coverage for a variety of facilities
- Gold, Silver, and Bronze tiers
- Each tier provides coverage for addiction treatment. Co-pays and deductibles may apply and vary.
The next thing you will want to understand is the difference between HMO and PPO plans. Both aforementioned plans are PPO plans, or Preferred Provider Organization plans. These plans can be costly, but they offer the benefit of flexibility. A PPO plan lets an individual receive services from many different provider’s and have the services covered, even if the provider is out-of-network. The individual may have to file a claim to have those services covered, but this allows them the opportunity to find their perfect treatment.
HMO plans, or Health Maintenance Organization plans on the other hand are more cost effective, at the price of less flexibility. Unlike a PPO plan, HMO plans require the individual to see a Primary Care Physician (PCP), before they can receive any additional services. Individuals with an HMO plan cannot have their care covered at an out-of-network provider unless it is in the case of an emergency.
Additional Coverage Options
You may come to find that your provider’s terms do not meet your needs when it comes to coverage, or you may not have coverage at all and just want to know where to look next. Luckily, there are additional options when it comes to finding treatment. Don’t worry if you are unsure where to start, give us a call at 405-583-4319 and we can tell you just how to navigate your coverage options.
If you are unsure about your provider’s coverage options or simply need more information, you will benefit from visiting your provider’s web page. Your provider’s website should have information on their specific addiction coverage under their behavioral and mental health section of their website. More so, if you are curious about coverage for a specific facility, your provider’s website should provide information on this. If you have trouble navigating the website, please feel free to reach out.
More so, if you need treatment options outside of Blue Cross Blue Shield, there are options available. Many facilities in Norman and throughout the rest of the state accept both Medicare and Medicaid. Medicare does not specify exactly which type of addiction treatment if offers. However, Medicare of Oklahoma will cover substance abuse treatment when addiction is severe, and treatment is necessary. Both in-patient residential and outpatient care can be covered under Medicare.
Medicaid of Oklahoma can cover addiction treatment for both drug and alcohol abuse. Medicaid coverage can include both outpatient services and in-patient residential care. Additionally, if none of these coverage options fit your needs, there are still available options. Many facilities in Oklahoma provide payment assistance. Facilities provide both payment plans, and services on a sliding fee scale. Every facility is different, so you will want to do your research and understand your coverage options before selecting treatment.
You Can Treat Your Addiction
No matter your coverage option, you can treat your addiction. Remember with Blue Cross Blue Shield, most of the options available to you are PPO plans, which allow you flexibility when exploring your addiction treatment options and allow you to have your treatment covered from a multitude of providers. Keep in mind that you have additional options. Many facilities throughout Oklahoma accept both Medicare and Medicaid, and also provide payment assistance such as payment plans or services on a sliding fee scale. Insurance jargon can be a lot to take in at times, and we understand that. Call 405-583-4319 and we can go through all of the tedious terms for you.
When you are dealing with addiction, you shouldn’t let coverage plans get in the way of finding the perfect treatment. Call us, and we can find the perfect addiction treatment that will work with your Blue Cross Blue Shield plan. No matter what type of coverage you need, addiction treatment is within reach. Dealing with addiction can be stressful, but you don’t want to force yourself into a treatment option that won’t fit your needs and cost you more than what you should pay. Allow us to do the difficult work for you, that way, not only will you find the perfect treatment to help you reach sobriety, you will do it in the way that is the most convenient for you.