One of the biggest questions facing those who need treatment for addiction is, “Will I be able to pay for it?” Thankfully, many people find access to addiction treatment through either private insurance or government-funded insurance, like Medicare or Medicaid. Blue Cross Blue Shield of Arizona is one insurance company that may provide the coverage that you need for addiction treatment. Although they have many plans, three plans in Arizona include Everyday Health, True Health, and Advance Health. If you have any questions about whether your insurance will cover your substance abuse treatment, please call us at 623-335-0909.
Blue Cross Blue Shield of Tennessee
Blue Cross Blue Shield of Arizona (BCBS) is one insurance company that may be covering you at this time. BCBS prides itself on being a client-focused insurance company. Further, BCBS works closely with medical providers in the community. Since 1945, BCBS has served people in Tennessee. BCBS is a not-for-profit company. Therefore, BCBS’s priority is not to make money to pay shareholders. Ultimately, BCBS’s goal is to operate solely to provide services to its members.
First, EverydayHealth is available in all counties. That means that whether you live in Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Santa Cruz, Yavapai, or Yuma, you could enroll in this plan. Further, EverydayHealth works especially well for those who visit the doctor often and take generic drugs. The EverydayHealth plan has several deductibles to choose from. The plan also has predictable costs. As far as addiction treatment goes, the plan might cover substance abuse treatment. However, copays, deductibles, and/or coinsurances may apply.
Second, TrueHealth is best for those who have an ongoing health condition. The plan makes it easy to plan healthcare costs. Some other benefits include fixed copays for specialist physicians and some brand-name drugs. Like EverydayHealth, TrueHealth is available in all Arizona counties. Additionally, TrueHealth may cover substance abuse treatment. However, copays, deductibles, and/or coinsurance may apply.
Third, AdvanceHealth is best for low-cost generic drugs and online doctor visits. Unlike the other two, this plan is only available in Maricopa and Pima counties. Further, AdvanceHealth may cover substance abuse treatment but copays, deductibles, and/or coinsurance may apply.
Medicare and Medicaid in Arizona
The passing of the Affordable Care Act in 2010 drastically changed how accessible healthcare in general and addiction recovery treatment are. In Arizona, there are 401 addiction treatment centers. Of these treatment centers, 285 accept Medicaid and 202 accept Medicare. The Affordable Care Act expanded Medicaid, meaning that thousands more Americans can receive the insurance coverage they need. Further, Medicare helps elderly people receive insurance at a lower cost than they would be able to find at a private insurance. Both Medicare and Medicaid can make addiction treatment within reach of people who need it.
Information on Medicare
Medicare, the federal health insurance program, serves the following people:
- Those who are 65 or older
- Some younger people who have disabilities
- People who have End-Stage Renal Disease (ESRD)
To explain, ESRD is a kidney disease that causes permanent kidney failure. Further, Medicare’s services come in four distinct parts. Here are the four parts:
- Hospital Insurance, Medicare Part A
- Medical Insurance, Medicare Part B
- Medicare Advantage, or all-in-one coverage, Medicare Part C
- Prescription drug coverage, Medicare Part D
Medicare helps elderly people access hospital care, physician visits, and prescription drugs. Through Medicare, their copays, deductibles, and out-of-pocket expenses are often lower than they would be through private insurance.
Coverage of Inpatient, Outpatient, and Residential Treatment
Although there are no specific benefit categories for addiction treatment, Medicare covers those types of services when providers deem the services reasonable and necessary. Therefore, Medicare could potentially cover inpatient, outpatient, and residential treatment. Further, Arizona’s Medicaid also covers addiction treatment for adults with alcohol or drug dependency. Medicaid’s coverage includes outpatient and residential services, among other treatments.
Here is some information about the difference between outpatient, inpatient, and residential treatment. Outpatient treatment is part-time, usually between 10 to 12 hours a week, meaning that the recovering user comes to the facility, but they do not stay in the facility. These programs usually run between three months to one year. Ultimately, outpatient treatment is right for those who have more mild addictions.
Inpatient treatment means the person stays at a facility for a period of time—usually between three weeks and six months. While staying at the facility, they undergo intensive treatment. Inpatient treatment has a higher success rate than outpatient treatment, but it is also more expensive. Further, inpatient treatment interrupts daily life. Ultimately, inpatient treatment is especially effective for those who have undergone serious addictions.
Residential treatment means that patients live in a residence with other patients. Treatment staff transports the patients to the treatment center each day. In this way, they experience the benefits of both inpatient and outpatient treatment. Residential treatment is best for those who want to keep their treatment and living areas separate, but they still want to separate themselves from their toxic environments.
Information on Medicaid
Additionally, more than 65 million Americans are enrolled in Medicaid.Primarily, Medicaid serves those who are economically disadvantaged. Additionally, people with disabilities, pregnant women, children, and adults with a low socioeconomic background can all receive coverage from Medicaid. Through Medicaid, people can receive care who would not otherwise have the means to do so. States administer Medicaid, and the program is funded by states and the federal government.
Medicaid and Addiction Treatment
Millions of people in the US receive healthcare through Medicaid. Primarily, Medicaid serves those who are economically disadvantaged. People with disabilities, pregnant women, children, and adults can all receive coverage from Medicaid. Through Medicaid, people can receive care who would not otherwise have the means to do so. States administer Medicaid, and the program is funded by states and the federal government. In Arizona, Medicaid covers substance abuse treatment for adults who have alcohol or drug dependency. Further, Medicaid can cover both outpatient services and residential services.
Addiction Treatment is Within Your Reach
Ultimately, addiction treatment is within your reach. Whether you are enrolled in Medicare, Medicaid, or Blue Cross Blue Shield, you can find the addiction treatment program that is right for you. Although financing addiction treatment can be stressful, treatment is more accessible than ever. Thanks to the Affordable Care Act and to client-focused insurance companies, your insurance will likely help cover the cost of addiction treatment. In Arizona, there are 401 addiction treatment centers. Of those, 192 accept both Medicare and Medicaid as payment. Further, many addiction treatment centers accept payment on a sliding fee scale. That means that your payment will depend on your level of income.
Further, Blue Cross Blue Shield in Arizona has three plans. They have EverydayHealth, TrueHealth, and AdvanceHealth. While EverydayHealth and TrueHealth offer coverage for all Arizona counties, AdvanceHealth is only meant for those who live in either the Maricopa county or the Pima county. Additionally, all three of these plans Blue Cross Blue Shield offers have the possibility of covering addiction treatment. However, they all may still require copays, deductibles, and coinsurance payments. Ultimately, you will find the program that is right for you or for your loved one. If you live in Arizona and you have any questions about addiction treatment, please call us today at 623-335-0909.