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Blue Cross Blue Shield is In-Network with AAC

Blue Cross Blue Shield Insurance Coverage for Rehab Treatment

Yes. Blue Cross Blue Shield covers drug and alcohol rehab.
American Addiction Centers (AAC) aims to provide you with the most current and updated information on addiction insurance coverage.
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Does Blue Cross Blue Shield Insurance Cover Rehab?

Blue Cross Blue Shield (BCBS) health insurance does cover rehab for drug and alcohol addiction. BCBS is a large and well known insurance provider that is accepted at many addiction treatment facilities, including American Addiction Centers. Coverage varies from state to state and plan to plan, and it is best to contact BCBS directly with any questions about your coverage.

How to Check Your Blue Cross Blue Shield Coverage

At American Addiction Centers (AAC), we offer Blue Cross Blue Shield addiction treatment for substance abuse and co-occurring health issues. To learn more about AAC’s treatment options give us a call at , or you can verify your insurance by filling out the form below.

American Addiction Centers strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.


“I want to thank Laguna Treatment Center for saving my life. I was there a couple of weeks ago for about a week and a half because of alcohol abuse. Things were getting really bad in my life and I called them to see if I could get in. They take my insurance which is Blue Shield of California. They are one of the few places that do and that was such a relief. Them being open in these dire times was so important for someone who needed help like me. I’ve never been to a detox or rehab center before and I was really scared but I was determined to get my mental, emotional and physical health back on track. I want to thank every single employee there. I cannot express how much gratitude I have for the hard work the staff puts into the long hours they work there. They listened to me and communicated when I had questions. They were kind to other patients and on top of their game. Most of the staff are recovered addicts and it gave me and a lot of other patients hope that we can get our lives back. I want to especially thank Arlene who went above and BEYOND for me with my insurance needs as it’s extremely important to be aware of. She’s a wonder case worker and human. She really gave me a lot of hope and strength. I want to also thank Mary Ann, Manny, Nick, the kitchen staff, all the speakers and case workers and Sherri the business office manger for being so helpful with my insurance issues as well. Thank you so much Laguna Treatment Center! I will never forget this life saving and changing experience. There’s a lot of good people that work for you. Keep them! Thank you again.”

What Does Blue Cross Blue Shield Cover?

To see what is covered under your Blue Cross Blue Shield health insurance plan, you can either enter the 3-letter prefix before the identification number on your member card on the Blue Cross Blue Shield Association’s website, or you can find your company directly on the website’s listing of the 36 member companies by state.3, 1

Blue Cross Blue Shield offers a Federal Employee Program (FEP) plan for federal workers and retirees in the Federal Employees Health Benefits (FEHB) program.4 FEP and FEHB plans offer similar benefits as other BCBS plans do with a few exceptions. You can review your benefits and learn more about the coverage you have on the FEP Blue site.5, 6

Once you’ve found your company, you can log in to check your coverage. At your local company’s website, you can find details, such as your prescription drug benefits or a list of providers in your area. As a member, you can also access the cost estimator for treatment.7

Blue Cross Blue Shield insurance offers many plans specific to your state of employment. For example, employees in the state of Idaho may have a BC of Idaho plan8, whereas Tennessee residents will have a BCBS of Tennessee plan.9 These state-specific plans still utilize the nationwide BCBS network of providers, so patients are not limited to receiving care exclusively in their home state. BC of Idaho patients in need of rehab are still able to travel to states like California or Florida to receive the care that they need.

Does Blue Cross Blue Shield Cover Mental Health & Substance Abuse Treatment

In general, Blue Cross Blue Shield plans do cover treatment for addiction, at least in part, but again, specifics are based on the individual policy you possess. Most plans cover treatment for medical detox, if determined to be necessary. This would most likely be the case for those suffering from benzodiazepine addiction, alcohol addiction, and opiate addiction. Detoxing from these substances can be dangerous and should always be monitored by medical professionals.

The type of treatment center you choose, as well as the specific professionals who treat you, will be determined by your plan. If you have an HMO (Health Maintenance Organization) plan, you are only covered at HMO-contracted facilities. If you have a PPO (Preferred Provider Organization) plan, you have the option to see a wider range of providers, and you can see an out-of-network provider at a higher rate.

As with all medical issues, oftentimes, only a portion of detox or addiction treatment is covered by insurance. It’s important to speak with Blue Cross Blue Shield to determine your exact level of coverage and learn what that means in terms of the specific dollar amount you will pay out of pocket.

The options available to you under Blue Cross Blue Shield are dependent upon your situation and the coverage you have. However, the Blue Cross Blue Shield network is quite large, meaning that those who have this particular insurance will have little trouble finding a center for treatment. The fastest way to go about finding a center for treatment is by using the Blue Cross and Blue Shield Association’s website to search locally for providers near you.10

Do your Blue Cross Blue Shield insurance benefits cover treatment at an American Addictions Centers treatment facility? Instantly check your insurance coverage by using our verification form.

Does Blue Cross Blue Shield Health Insurance Cover Inpatient Rehab?

Yes, in general, Blue Cross Blue Shield health insurance covers various forms of inpatient rehab. There are multiple types of inpatient rehab, including ones with specialized programs for people struggling with substance abuse issues and co-occurring disorders. Other inpatient residential rehab centers may place emphasis on treating women who are pregnant or have recently had children or simply be gender-specific.

Does Blue Cross Blue Shield Cover Intensive Outpatient Rehab?

Blue Cross Blue Shield health does usually cover outpatient programs for substance abuse treatment. Outpatient treatment can prove highly effective for the treatment of substance use disorders and other co-occurring mental illnesses. However, outpatient treatment programs are also often best fit for those who are not suffering any medical issues due to their drug use or withdrawal, who feel comfortable in their living environment, and who may have responsibilities to tend to (like child care) while receiving addiction treatment.

People may being their substance abuse treatment journey in an outpatient program. However, many people also transition to outpatient treatment from a more intensive level of care, such as residential inpatient treatment or a drug detoxification center.

How Long Will BCBS Insurance Cover Rehab?

The length of time that Blue Cross Blue Shield insurance, or any insurance plan, will cover rehab depends on an individual’s specific health care plan and their behavioral health benefits. The length of time that someone stays in rehabilitation for drug or alcohol abuse is also contingent upon the particular addiction treatment program and their recommended level of care. You can find rehabs that accept blue cross blue shield insurance below.

How Much Does Blue Cross Blue Shield Cover?

The amount of substance abuse treatment that BCBS covers is contingent upon a member’s particular plan, their desired treatments, and the provider they choose. You can discover more about your BCBS coverage by calling the phone number on the back of your insurance card or calling one of our admissions navigators today.

Blue Cross Therapy Coverage: Does BCBS Cover Therapy?

Blue Cross Blue Shield typically covers individual therapy sessions for people with substance abuse issues and other mental health conditions. BCBS insurance may cover therapy fully or partially depending upon the member’s plan. The member may still be responsible for certain additional costs of therapy, especially if they still owe money towards their deductible or are required to pay a coinsurance.

Suboxone Doctors that take Blue Cross Blue Shield

Suboxone is a medication comprised of buprenorphine and naloxone. It is considered an opioid agonist, and many physicians prescribe and utilize it in patients who have suffered from opioid use disorder and struggled to remain abstinent. There are plenty suboxone doctors that take Blue Cross Blue Shield insurance, but coverage levels may vary by location, whether the doctor or clinic is in-network with BCBS, and much more. Without insurance, generic Suboxone tends to range between $60 and $200 in cost.

Suboxone is a medication that combines buprenorphine and naloxone.1 Buprenorphine is a long-acting partial opioid agonist, meaning that although it binds to the body’s opioid receptors, it produces milder effects over a more prolonged period of time vs. the commonly abused full opioid agonists (heroin fentanyl, oxycodone, etc.). Buprenorphine has a high affinity for the opioid receptor, thereby preventing illicit and prescription opioid painkillers from attaching to the receptor. This leads to a lower risk of overdose and generally doesn’t produce a high in people who use opioids.2, 3 Naloxone is added to reduce the risk of misuse, as it blocks the effects of buprenorphine if the medication is injected.3, 4

Blue Cross Blue Shield Distinction Award

Blue Distinction is a national designation given by Blue Cross and Blue Shield (BCBS) companies to recognize providers that demonstrate expertise in delivering quality specialty care—safely, effectively, and cost-efficiently. The goal of the program is to help consumers find both higher quality and more affordable healthcare for their specialty care needs, while providing a credible foundation on which employers may customize their employee benefits.
Designation as a Blue Distinction Center for Substance Use Treatment and Recovery differentiates providers locally, as well as nationally. This highly respected designation acknowledges the expertise providers have demonstrated and their commitment to improving quality. Designations are awarded based on quality criteria that support delivery of timely, coordinated, multidisciplinary, evidence-based care, with a focus on quality improvement and patient-centered care.

American Addiction Centers has multiple rehab locations that are Blue Distinction Centers. These include:

Find Rehabs That Take Blue Cross Blue Shield: Verify Your Insurance


Blue Cross Blue Shield Tiers

In summary, the tiered plans of Blue Cross Blue Shield are as follows:2

  • Bronze: This level covers around 60% of medical costs, with a low monthly payment and a high deductible.
  • Silver: This level covers around 70% of medical costs, with a slightly higher monthly payment and lower deductible.
  • Gold: This level covers around 80% of medical costs, with a higher monthly payment and low deductible.
  • Platinum: This level covers around 90 of medical costs, with the highest monthly payment and the lowest deductible.
Provider Overview

What Is Blue Cross Blue Shield?

The Blue Cross and Blue Shield Association owns 36 health insurance companies, independent and locally operated, nationwide which comprise the Blue System.1

Commonly referred to as “The Blues” or “BCBS,” Blue Cross and Blue Shield have over half of all federal employees enrolled in their network, as part of the Federal Employee Program.

Blue Cross Blue Shield’s individual and family plans fall into 3 or 4 categories, depending on your state: bronze plans, silver plans, gold plans, and platinum plans. Bronze plans will have the lowest costs, while platinum plans will have the highest monthly costs. Some states will not offer the platinum category. Blue Cross and Blue Shield recommends the bronze-level plan for those who do not go to the doctor often, as it will have a low monthly payment and a high deductible.



  1. Blue Cross Blue Shield. BCBS Companies and Licensees.
  2. Blue Cross Blue Shield. What is the Difference between Bronze, Sliver and Gold Plans?
  3. Blue Cross Blue Shield. Member Services.
  4. Blue Cross Blue Shield. Find the Right Benefit.
  5. Blue Cross Blue Shield. 2020 FEP Blue Focus Benefits Chart.
  6. Blue Cross Blue Shield. Home page.
  7. Blue Cross Blue Shield. Estimate Your Health Care Costs.
  8. Blue Cross of Idaho. Home page.
  9. Blue Cross of Tennessee. Home page.
  10. Blue Cross Blue Shield. Choose a Location and Plan.
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Rehabs That May Accept Blue Cross Blue Shield Insurance

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.
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Our Insurance Statistics

  • Over 29,000 people have used Insurance to attend treatment at one of our facilities since 2020.
  • Over 17,000 people have used Blue Cross Blue Shield to attend treatment since 2020.
  • Our verification of benefits form has been filled out over 2,970 times for Blue Cross Blue Shield insurance since 2020.
  • Blue Cross Blue Shield has an over 87% acceptance rate for one of our facilities when using our online form.
  • See if you are in-network with us.
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