Skip to content

BC/BS Rehab Coverage Explained

When some people hit rock bottom, it can be a scary but relieving time. It is the chance to end their old way of thinking. They are now ready to break the cycle of addiction to drugs and alcohol. They are ready to start their new life.

That doesn’t mean it’s completely without fear. They wonder about how they can operate without the crutch of drugs and alcohol. They wonder what rehab entails. They also wonder about paying for the help they need.

The good news is that many programs are more affordable than places online make it seem. Some offer financial help to cover the cost of rehab for drugs and alcohol. Many people can also use their health insurance to help pay for treatment. That includes people who get health insurance through their employer and those that use the marketplace. For many employees, Blue Cross/Blue Shield provides their health insurance through their work.

BC/BS does extend coverage for rehab and here is what you need to know about the program:

Required By Law

When the Affordable Care Act was passed, one of the parts of the bill required health insurance providers such as Blue Cross/Blue Shield to provide coverage for rehab. That includes drugs, alcohol and mental health. That was true for any major health insurance provider and federal health programs.

But there is a wide variety of what is covered and for how much. The best option is to check with your provider or company about what is covered under your plan. The variety means that some plans will pay for more than others. It is best to know these differences so you can make the best choice on where to use your rehab insurance.

BC/BS Treatment Options

Blue Cross/Blue Shield also has an extensive website to help people with substance use disorders. The site is open to anyone, no matter who provides their health insurance. It provides tips, education and an overview of treatment options.


For BC/BS patients, the site also has information about finding treatment centers backed by the provider. They also have the option to help people find a provider in their area.


BC/BS rehab coverage includes treatments for areas such as detoxification, where a person removes substances from their system under the watchful eye of a medical provider. The rehab insurance will also pay for both inpatient and outpatient rehab options. That way, people can get the support they need to start their road to recovery.


The insurance company will also help pay for ongoing costs, such as fees for living in a sober living home or for ongoing telemedicine treatments. That includes treatment and counseling for people on the road to recovery.


What To Do Now?


For those suffering from a drug or alcohol substance use disorder, reach out to our staff at Holland Pathways to learn more about the treatment options we offer. Our counselors can provide more information about programs and how insurance can help pay for them.