Paying for rehab can be tough. But if you have an insurance plan with Horizon Blue Cross Blue Shield, you probably won’t have to pay for it all on your own.
In this article, we’ll tell you everything you need to know about Horizon Blue Cross Blue Shield and paying for rehab. Keep reading to learn more.
What is Horizon Blue Cross Blue Shield?
Horizon Blue Cross Blue Shield is an independent subsidiary of Blue Cross Blue Shield that’s based out of New Jersey. It launched in 1932 and has grown to encompass a federation of 35 independent health insurance companies. Now, the company serves nearly 4 million total members.
Does Horizon Blue Cross Blue Shield cover rehab?
Your health insurance coverage through Horizon Blue Cross Blue Shield should provide you with some coverage for rehab. The exact level of coverage that you have, however, will depend on several factors, including:
- The type of plan that you have
- The rehab facility that you choose to go to
- The type of care that you need
- How long you choose to stay in rehab
What other types of treatment does Horizon Blue Cross Blue Shield cover?
Rehab is just one type of substance abuse treatment that you can get coverage for through Horizon Blue Cross Blue Shield. Depending on the type of plan that you have, you may also be able to get coverage for treatments like:
- Intensive outpatient and partial hospitalization programs
- Medication-assisted treatment (MAT)
- Outpatient care
- Co-occurring disorder treatment
- Mental health coverage
- And more
How does coverage through Horizon Blue Cross Blue Shield actually work?
When you want to use insurance to pay for rehab, you typically need to get something called pre-authorization. This essentially involves checking with Horizon Blue Cross Blue Shield before going to rehab to make sure that your coverage applies.
If you don’t get pre-authorization before starting rehab, there’s no guarantee that Horizon Blue Cross Blue Shield will cover what you expect them to cover.
That’s why it’s important to make sure that you follow the right steps when beginning a new rehab program. Because you don’t want to have to pay more than you should out-of-pocket.
How much does rehab cost with Horizon Blue Cross Blue Shield?
Your charges for rehab with a Horizon Blue Cross Blue Shield plan depend on several factors, including:
- The type of care that you get
- Where you receive it
- Your plan
As a general rule of thumb, if you pay a higher monthly premium, then you can typically expect to have more coverage for treatments like rehab. But if you have a budget plan through Horizon Blue Cross Blue Shield, your out-of-pocket costs will likely end up being higher.
If you’re concerned about costs, then you may be able to reduce them by choosing the right treatment center. For example, if you go to an affordable in-network rehab facility, your costs will likely be much lower than if you went to a luxurious out-of-network option.
How do I learn more about my coverage for rehab with Horizon Blue Cross Blue Shield?
Are you interested in learning more about your coverage for substance abuse treatment through Horizon Blue Cross Blue Shield? If so, The House of the Rising Son is here to help.
Our addiction specialists are standing by to verify your insurance and let you know exactly how much it will cost you to get the treatment that you want. All that you need to do is give us your coverage information and we’ll handle the rest.
So why wait? Get in touch with us today to get started.