When you are concerned about the course of your life after suffering from substance abuse problems or when a family member has started to abuse a drug, it can be essential to seek treatment at an early stage. Residents of Colorado who have the Anthem Blue Cross Blue Shield can obtain financial assistance with the process of recovery. Depending on the situation, the appropriate policy and the options that are available to pay for treatment can vary significantly.
In Colorado, there are several policies that can help with treatment and recovery. The Blue Cross Blue Shield plans range from Catastrophic policies to Gold policies. The Gold policy is a multi-state plan and can offer additional treatment solutions when compared to other options. The Catastrophic policy is designed for young adults who may not have the same level of health care risks or needs when compared to older adults.
Regardless of the specific policy, most Blue Cross Blue Shield plans will offer some coverage to pay for addiction treatment and rehabilitative services. In most cases, the policy will pay for a percentage of the costs of an inpatient or outpatient rehab program. The exact amount can vary significantly between plans, but usually the policy that will pay the most for rehab services is the option with the highest monthly premium.
Paying for Addiction Treatment
Addiction treatment can be expensive, but the Blue Cross Blue Shield policies that are available in Colorado can help cover the expenses. Generally, the policy will pay for a percentage of the total cost after an individual has reached his or her deductible.
There is also a maximum out-of-pocket expense that the insurance provider sets on the policy. The deductible is usually paid before the company will pay for additional services. The exact cost of the deductible will vary between policies, but usually it is a reasonable rate. The deductible is usually lower in the Silver and Gold policies, so the insurance will pay for a percentage of the cost of rehab at an earlier time.
The policies will usually pay for in-patient rehab for a set period of time, such as 30 days. After that time, the insurance may still pay for additional treatment in an out-patient program. Some of the policies may set limitations on the network or facilities that are appropriate.
The Blue Cross Blue Shield policies in Colorado provide an opportunity to seek treatment for an addiction or for any health concerns that may arise. Since there are several options, the details of any policy can vary significantly. Fortunately, the policies will pay for many of the situations that can arise during addiction recovery and treatment so that it is possible to start focusing on healing.
Seek Treatment With Your Insurance Coverage
For additional information on insurance coverage for substance abuse and addiction, or to get help in finding the best treatment for you or a loved one, please contact us today at DrugRehab.org.
Colorado Drug and Alcohol Rehabs
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