Finding a rehab program that is appropriate for a personal budget can be simplified with an insurance policy that helps cover the cost of treatment. Depending on the situation and the needs of the individual, a Blue Cross Blue Shield policy may be the perfect solution in Tennessee. The policy can cover many of the costs associated with treatment and it offers protection against health concerns that may arise when a substance has been abused or an emergency occurs.
BCBS of Tennessee – Coverage Plans
Although there are a variety of policies and options that can help protect against health concerns, the Blue Cross Blue Shield plans are usually available in Bronze or Silver. The Silver plans will often have a higher monthly cost, but the out-of-pocket expenses are usually lower and there is a lower maximum amount that you will be required to pay for the year. The Bronze plan has a lower monthly premium, but the cost of out-of-pocket expenses and the maximum amount that you must pay will be slightly higher.
Regardless of the specific plan that you select for your current situation, the policy will usually offer some coverage to help pay for the cost of addiction treatment and rehabilitation. It will also cover the cost of emergency treatments, medical check-ups, pain management and related health concerns that may arise after a substance is abused.
BCBS of Tennessee – Coverage for Addiction Recovery
Addiction recovery can be very complicated and the cost of treatment can add up quickly. By using a Blue Cross Blue Shield policy in Tennessee, it is possible to reduce the out-of-pocket expenses and ensure that the cost of treatment is reasonable.
In-patient treatment is usually covered until a certain number of days. Generally, a short-term treatment plan that is 28 to 30 days long will be covered by the policy. After the deductible is paid, the coverage will usually pay for 50 percent of the treatment costs. Additional treatment is available through out-patient treatment programs and usually the insurance will cover the cost of out-patient treatment when the in-patient treatment plan is completed. It may be necessary to also seek treatment for co-occurring disorders that develop after a substance is abused or is a factor that may contribute to substance abuse. The policy will usually cover treatments for co-occurring disorders as part of the addiction treatment plan.
There are a variety of health insurance solutions, but the best plan depends on a personal budget and individual goals. The Blue Cross Blue Shield plans are designed to assist with many of the costs associated with personal health and it does offer some protection against the high costs of addiction recovery and treatment plans. Select an appropriate policy for personal goals with the help of DrugRehab.org today.