BCBS of Minnesota Insurance Coverage for Drug & Alcohol Rehab

Does Blue Cross and Blue Shield of Minnesota Cover Rehab?

BlueCross BlueShield (BCBS) of Minnesota should provide coverage for addiction rehab. Due to federal mandates like the Affordable Care Act (ACA), most insurers must cover addiction and mental health treatment.

The extent of coverage will depend on your plan details. Even if you have insurance coverage in Minnesota, you may still be covered to attend rehab in another state.

Finding a treatment center or rehab program for drug or alcohol addiction is an important step on your road to recovery. If you or a loved one is battling with substance use, BCBS can help make treatment more affordable.

BCBS is in-network with American Addiction Centers (AAC) facilities. Call to start the admissions process or verify your coverage online.

What Addiction Treatment Does BlueCross BlueShield of Minnesota Cover?

BlueCross BlueShield of Minnesota lists substance use under behavioral health conditions and may be able to partially cover substance use disorder treatment.³ Depending on your plan, BCBS Minnesota may cover at least part of the cost of:

• Medical Detox – Helps you safely go through the withdrawal process while you get rid of the harmful substances in your body. A medical detox uses medications or therapies to help you manage any potentially harmful side effects.
• Inpatient or Residential Rehab – Patients will stay at the rehab center and receive care from addiction treatment professionals. This is beneficial for individuals with a more severe substance use disorder as it allows them to focus solely on their recovery.
• Outpatient Therapy or Rehab – Outpatient rehab allows patients to live at home and carry on with their day-to-day duties. Treatment will take place in different settings and the level of intensity will vary depending on the individual.
• Medications – In the addiction treatment process, medications like suboxone or methadone may be used to ease withdrawal and prevent relapse.

Before going into an addiction rehab program, always check what your BCBS of Minnesota plan will and will not cover. You may find that you will have to leave Minnesota to attend a treatment facility that is right for you. This should not stop you from getting the support you need.

Does BCBS of Minnesota Cover Co-Occurring Disorder Treatment?

Co-occurring disorder treatment (e.g., treatment of depression or anxiety alongside addiction treatment) may be covered under mental or behavioral health services. Mental health treatments should be covered due to federal mandates on health insurance. If you have a co-occurring or dual diagnosis, your unique needs will be considered, and certain therapies or medications may be used in the treatment process.

It is common for those with substance use disorder (SUD) also to have a mental health condition. Many rehab facilities offer integrated treatment to ensure an individual’s unique treatment needs are met. If you have BlueCross BlueShield of Minnesota, check the level of coverage you have for a co-occurring or dual diagnosis disorder.