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Florida Blue: Rehab Center Coverage

Does Florida Blue Cover Drug Rehab in South Florida

Florida Blue is the Florida state version of Blue Cross Blue Shield. Blue Cross Blue Shield is a nationwide insurance provider that will generally cover at least some of the cost of inpatient and outpatient services, medical detox, and ongoing mental health care.

Florida Blue-Covered Addiction Treatment

Does Florida Blue Insurance Cover Rehab?

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.

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Does Florida Blue Health Insurance Cover Dual Diagnosis Treatment?

If you want to go to a Florida blue rehab center to get treatment for co-existing disorders, you need to check on rehab covered by Florida blue health. Dual diagnosis treatment focuses on addressing mental health and substance abuse issues simultaneously.

With Florida health insurance, rehab is partially covered for mental health disorders. This is contingent upon the type of plan you have. Because they offer plans through the state, you might very likely have mental health services covered thanks to the Affordable Care Act.

You could get coverage for:

Initial diagnoses for mental health and addiction
Medications prescribed to help you manage the symptoms of your mental health disorder
Therapy for mental health or addiction

We can check into your Florida Blue addiction treatment center options with Prevail Recovery.

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How Long Will Florida Blue Insurance Cover Addiction Treatment?

The length of time Florida Blue Health Insurance will cover rehab treatment depends on the type of policy a person has. The average length of time for inpatient treatment is 30 days, but some treatment programs last more than 90 days.

Contact Prevail Recovery today to learn more about our Florida addiction treatment programs and see how we can help you verify your insurance.

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How to Find a Florida Rehab Center Covered by Florida Blue Health

When you are ready to get help, ask for a list of approved Florida blue addiction treatment centers within your network.

In-Network vs. Out-Of-Network Providers

With Florida Blue, the substance treatment covered by Florida blue you get will depend on whether you choose in-network or out-of-network providers. Facilities that are considered in-network will depend on where you are located and what type of plan you have.

In most cases, your benefits only apply to facilities that are in-network, and if you were trying to get detox or rehab coverage at a facility outside of that Network, Florida Blue may or may not provide any coverage.

You can contact your insurance provider to get a list of in-network facilities or use their online directory to do the same. Keep in mind that emergency services for things like drug overdose do not require a provider to be in-network. If you or someone you love is having an emergency, you can go anywhere.

The difference between in-network and out-of-network is that in-network providers have already come to an agreement with Florida Blue about how much they will charge for certain services and medications. With this agreement predetermined, your insurance provider knows how much to anticipate when you get help. If you get out-of-network help, Florida Blue has no idea what the cost will be and may be less willing to cover you.

Verifying Insurance For Substance Abuse Treatment

In order to determine whether a Florida blue rehab center is covered, you need to verify your insurance policy.

To check on Florida health insurance rehab benefits, you can:

Read your Benefits Summary. This was the giant stack of papers or magazines sent when you first enrolled. It explains exactly what substance treatment covered by Florida blue is available in your plan, where to find a Florida blue addiction treatment center, and what you are expected to pay out of pocket. If you can’t find that, it is typically available in your member benefits section in the online portal.
You can also use the number on the back of your insurance card. By calling them, you can ask about the coverage available to you and what you might be expected to pay out of pocket before your insurance kicks in.
Alternatively, you can let Insurance Specialists at places like Prevail Recovery call on your behalf. Team members like this are given special training in determining what level of coverage they have and how that coverage extends to their Florida Blue rehab center.

Prevail Recovery is here to help. Let our team set you up for success with our Florida Blue health rehab center.