Federal Blue Cross Blue Shield Coverage for Drug & Alcohol Rehab

Can Federal Blue Cross Blue Shield Insurance Cover Rehab?

Federal BCBS insurance may be able to cover all or at least a part of the cost of rehab. Coverage depends on the details of your insurance plan as well as the level of care needed.

How to Verify Federal BCBS Insurance Coverage for Rehab.

There are two ways to verify your coverage for drug or alcohol rehab.

  1. Call us today at where an admissions advisor can hear your story, walk you through your options, and verify your insurance over the phone.
  2. Fill in our online insurance verification form below.

What is Federal Blue Cross Blue Shield Insurance?

Federal BCBS insurance is also known as the Blue Cross and Blue Shield Service Benefit Plan, or the Federal Employee Plan (FEP). The BCBS FEP program has been part of the Federal Employees Health Benefits (FEHB) since its inception in 1960 and now covers over 5.5 million federal employees, retirees, and families in the U.S. and overseas.1

The Blue Cross Blue Shield Association negotiates annually with the U.S. Office of Personnel Management (OPM) to determine benefits and premiums for the federal plan.1


Federal Blue Cross Blue Shield, a Preferred Provider Organization (PPO), offers 3 benefit plans for individuals and families:2

  • Standard Option
  • Basic Option
  • FEP Blue Focus

These plans vary in deductibles, out of pocket costs, and whether you have to see a preferred provider.

Can I Have Medicare & BCBS FEP Coverage?

Yes, you may be eligible for both Medicare and the Service Benefit Plan. Medicare works best with federal BCBS coverage when Medicare is your primary coverage, where Medicare pays for services first, and then BCBS pays their own portion after.3

What Substance Abuse Treatments Does Federal Blue Cross Blue Shield Cover?

Depending on your plan, the a BCBS FEP plan may cover:2

  • Inpatient Rehab
  • Residential Treatment
  • Outpatient Rehab
  • Detoxification
  • Medications & MAT
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Does Federal Blue Cross Blue Shield Cover Mental Health & Co-Occurring Disorder Treatment?

Co-occurring disorder treatment such as treatment of depression or anxiety as well as addiction treatment may be covered under mental or behavioral health services. Depending on your level of coverage, mental health treatments may at least be partially covered.2


  1. BlueCross BlueShield Federal Employee Program. About Us.
  2. BlueCross BlueShield Federal Employee Program. Compare Our Plans.
  3. BlueCross BlueShield Federal Employee Program. FEP & Medicare.
Last Updated on October 12, 2021
Editorial Staff
Editorial Staff
The editorial staff of American Addiction Centers is made up of credentialed clinical reviewers with hands-on experience in or expert knowledge of addiction treatment.

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