Independence BCBS

What Types of Treatment Programs Will Independence BCBS Cover?

There are multiple levels of care available as part of addiction treatment. This means that rehab programs are offered on an outpatient basis. A lot of people who receive treatment for addiction go through multiple types of treatment, which is known as a continuum of care.

Some of the levels of care Independence BCBS might cover in addiction treatment programs include:

• Detoxification services: Coverage for medically supervised detox may be available to help with withdrawal management.
• Partial hospitalization: Coverage for structured day programs is often available. In a PHP at Promont Wellness, you receive intensive treatment during the day, and then you can return home in the evenings.
• Intensive outpatient program: Coverage for an IOP will include more intensive treatment than traditional outpatient therapy. An IOP often includes several hours of weekly therapy and counseling.
• Outpatient: The least intensive level of addiction treatment is outpatient therapy. Independence BCBS will likely offer coverage for outpatient treatment and counseling. Outpatient treatment may include group and individual therapy sessions.
• Medication-assisted treatment: MAT coverage might include medications used to manage cravings and withdrawal symptoms, like buprenorphine or naltrexone.

The specific levels of care covered by Independence BCBS vary depending on a person’s insurance plan. Some may require pre-authorization for certain levels of care.

If you’re unsure what level of care is right for you, or you’d like to learn more about what your insurance will cover, contact our team at our Bucks County drug rehab center.

What Types of Therapy Will Independence BCBS Cover?

Independence BCBS will usually cover a variety of therapies for addiction treatment. These evidence-based therapies might include:

• Cognitive behavioral therapy: CBT is an approach that focuses on the identification and change of negative thought patterns and behaviors linked with addiction.
• Dialectical behavior therapy: DBT includes elements of CBT along with mindfulness to help with managing emotions and coping with stress in healthier ways.
• Motivational interviewing: In MI, the approach works to help you explore and then fix ambivalence about change to increase the motivation to stay in treatment and make positive changes in your behavior overall.
• Group therapy: Trained therapists lead group sessions and allow participants to share experiences, support each other, and learn from their peers in recovery.
• Family therapy: These sessions include family members and address communication patterns, relationship dynamics and ways to support someone in recovery.

These are just a few examples of the many therapeutic approaches that Independence BCBS drug and alcohol rehab coverage may include. At Promont Wellness, we are a leading dual-diagnosis treatment center in Philadelphia. We offer many therapy approaches integrated into highly customized treatment plans.

Independence BCBS Dual Diagnosis Treatment

Dual diagnosis treatment is when both a substance abuse and psychiatric disorder are co-occurring with one another and being treated simultaneously. Independence BCBS may cover some of the following components of dual diagnosis treatment as part of their health insurance plans:

• Integrated treatment: Programs address both substance and mental health disorders at the same time. During treatment, there’s access to a multidisciplinary team of professionals. These can include psychiatrists and psychologists, addiction counselors and other specialists.
• Medication management: Coverage may extend to medicines used to treat co-occurring mental health disorders, like antidepressants or mood stabilizers.
• Individual and group therapy: Independence BCBS, depending on your plan, may include coverage for therapy sessions focusing on both substance use issues and concerns related to mental health in group or individual settings.
• Psychiatric services: You may, depending on your plan, have coverage for psychiatric assessments and ongoing treatment for mental health disorders.
• Supportive services: Insurance can cover a wide variety of supportive services.

Promont Wellness is a leading Independence BCBS drug and alcohol rehab center. We work in-network with the company to ensure addiction treatment is as accessible as possible. We offer outpatient rehab in Philadelphia.

Using Independence BCBS Drug and Alcohol Rehab Coverage

If you’re thinking about using your insurance to cover the costs of addiction treatment, the following are a few other things to know:

• Coverage details: If you use private insurance to pay for rehab, ensure you understand the specifics of your coverage. You’ll want to learn more about the types of treatment covered, rehab centers that are in-network, and any exclusions or limitations that could be applicable.
• Pre-authorization: Some insurance plans require pre-authorization or prior approval before you can receive certain types of treatment or services. If you need pre-authorization for any part of your treatment, you’ll have to follow certain steps to get it.
• Financial obligations: Even with insurance, you may still have to pay certain out-of-pocket expenses, like coinsurance, copayments and deductibles. Be clear on your financial obligations before seeking treatment.
• In-network vs. out-of-network providers: Using in-network providers will usually mean lower out-of-pocket costs for you than if you went to a provider not in-network.
• Coverage limits: There may be limits on how long you can receive rehab services, so review your policy carefully to understand these.
• Medical necessity: Insurance companies will frequently require treatment services to meet medical necessity criteria to be covered. Treatment has to be appropriate and necessary for your needs as determined by medical professionals. 
• Benefits verification: Before starting an addiction treatment program, you’ll verify your benefits with your insurance provider and the rehab center to avoid unexpected expenses.

A lot of the communication with your insurance company we can do on your behalf. We encourage you to contact the team at our drug and alcohol rehab in Philadelphia to learn more about our programs and how we can help you or someone you love. We are in-network with Independence BCBS as well.