Florida Blue
Treatment Coverage

Yes, it might cover some of your rehab treatment. However, the amount covered and what is covered is based entirely on the type of Florida Blue plan you have and what you need. 

Everyone struggles with addiction in a different way. Your addiction recovery plan might include an initial detox with an intensive outpatient program, but it might also include an initial detox with intensive outpatient and ongoing medications.

Detox

If you get detox at a Florida Blue addiction treatment center, what is covered is based on the type of plan you have. If you have a PPO plan, you are likely to have much more coverage for Florida Detox Services. If you require medication to help you with your detox, that might be covered by your plan if it’s methadone or Suboxone.

Inpatient

Getting inpatient services from a Florida blue addiction treatment center is possible. Florida Blue typically offers partial coverage under certain circumstances. You will likely be expected to meet your co-pay or co-insurance requirements or your deductible before your insurance provider covers the rest of the bill.

Your deductible is an annual amount you must pay out of pocket before your insurance covers anything. If your deductible is $5,000 and you have already paid $2,000 out of pocket, you will only be required to pay $3,000 for any services before your policy kicks in.

Note: If you have a requirement that you pay your deductible in full before getting coverage for substance abuse treatment, bear in mind that this deductible applies to any and all healthcare services. So, if you were to pay for your initial detox at a rehab center, that might fulfill the qualifications, after which point your insurance policy would cover part of the bill for the remaining inpatient or outpatient services and any medication.

Outpatient

Substance treatment covered by Florida Blue might also cover outpatient rehab. This depends entirely, again, on the plan you have. Unfortunately,, even with Florida outpatient services, you will likely have to pay your co-pay for every appointment.

A good rule of thumb is that the more expensive your health insurance plan is, the less you will end up paying out-of-pocket. If you pay $600 monthly for health insurance, you probably have a very low deductible and no co-pay. Some policies have no co-pay; other policies have a co-pay of $5. If you pay only $100 per month for health insurance, you probably have a very high deductible and a similarly high co-pay. In these cases, your co-pay might be $40 per visit.

Again, this is why it’s imperative that you check your Florida Blue benefits before you pick a rehab center.

Medications

For medications, substance treatment covered by Florida blue usually extends to things like Methadone or Suboxone to help you with medication-assisted detox.

Depending on your plan, you might also get coverage for generic medications, and basic prescriptions used not only during your detox but also to help you manage ongoing symptoms. Any prescribed medications will likely require you to pay whatever your generic or brand-name medication fee is. This could be as simple as $10 per medication. It is entirely up to the type of plan you have, which is why verifying your benefits is important.

At Prevail Recovery, we can help you check your coverage plan. Contact the admissions team at our Florida rehab center today.