Blue Cross Blue Shield (BCBS) Coverage
BCBS Insurance Coverage for Rehab at URP Behavioral Health
Thanks to the Affordable Care Act, private insurance companies today offer a much wider range of coverage for US residents than ever before. One of the most prominent US insurance companies, Blue Cross Blue Shield, follows this Act as well. With BCBS insurance plans, patients with mental health issues can get timely and relevant rehabilitation without paying extra costs from their budgets.
We are glad to have Blue Cross Blue Shield Insurance as one of our clinic’s partners in the mission to maintain the US population’s mental health and make our rehab services affordable for anyone. URP Behavioral Health provides custom-tailored evidence-based rehabilitation services for patients with multiple mental disorders and illnesses, and with the plans offered by BCBS, these services become even more accessible than ever.
Let us guide you towards healing
We know that seeking treatment can be overwhelming, but our staff is here to make the process as smooth as possible. We’re available 24/7 to address any questions or concerns you may have.
AHistory of the Blue Cross Blue Shield Company – How It Invented Healthcare Insurance
What is BCBS? It’s no doubt one of the oldest private insurance companies in the US. Its operation started in 1929, and in the 30s, the company merged with other insurance providers and encompassed over 81 hospital plans and 44 medical care plans.
With time, the impact of BCBS on the healthcare insurance industry grew considerably and today, the trademark unites 31 private companies providing BCBS rehab plans of various types to the US residents in all 51 states, Washington DC, and Puerto Rico.
The core values BCBS shares are as follows:
- Combining prominent private premium plans and federal programs (the same Medicare plans A and plans B);
- Picking up innovations to provide stability: generations of Americans rely on Blue Cross Blue Shield in their healthcare routines;
- Caring about the affordability of mental health care for every BCBS policyholder.
This approach brought the BCBS corporation over 115 million clients throughout the whole country.
What Is BCBS Rehab Insurance Coverage?
Blue Cross Blue Shield mental health rehab coverage is a part of the obligations the insurer takes. In BCBS, mental health rehabilitation is covered by most insurance plans. However, you have to check your policy terms to decide on which part of the costs could be covered by BCBS and which should be paid out of your pocket. The principles of calculations for BCBS mental health treatment coverage are as follows:
- Qualifying for BCBS rehab coverage is a must. Please, contact your local BCBS provider to get the basics for rehab coverage rehabilitation as they may vary from state to state depending on local legislation rules.
- Checking co-payments formulas. Typically, Blue Cross Blue Shield mental health coverage starts the day after your policy is activated, but the insurer may provide a mandatory co-payment percentage. For example, if you get a policy with 50% coverage for each visit to your therapist, and the cost for each visit is $50, then you have to pay out of pocket $25 and $25 (50%) will be covered by BCBS.
- Deciding on the therapy and rehabilitation plans is a must. Often, insurance coverage is activated only after a policyholder pays a certain money amount as a deductible. That’s why you should understand the expenses you may meet.
- Checking your policy’s verification to start your URP Behavioral Health rehabilitation. It’s easy, as you can check your policy’s compliance and verify it on our website using the verification form below.
Does BCBS Cover Rehab for Mental Health Treatment?
Blue Cross Blue Shield therapy coverage for mental health treatment is available for various residential rehab centers including URP Behavioral Health. This coverage typically includes co-payments or full coverage (in the case of Medicaid plans) for:
- One-on-one counseling for patients and their caregivers;
- Group therapy plans;
- CBT and DBT sessions;
- Drug prescription or holistic programs which include both medication therapy and psychotherapy;
- Family therapy plans;
- Screenings for mental illnesses.
Yet, we recommend verifying your policy to decide if its coverage suits the program prescribed for your recovery or the rehabilitation of your family members covered by BCBS.
There are 2 major reasons for your Blue Cross Blue Shield insurance plan not to cover mental health care options.
- You get your insurance policy provided by BCBS from your employer who didn’t include mental health support services in the insurance program for the staff.
- Your BCBS insurance policy was issued before 2014 when a so-called Obamacare (ACA) was issued to expand the list of healthcare services covered by private insurers.
Mental Health Programs Covered by the Blue Cross and Blue Shield Insurance
- Outpatient rehabilitation programs both basic and intensive allow patients to remain at home and visit the rehabilitation center for therapy sessions a couple times a week.
- Inpatient rehabilitation services related to the hospitalization of a patient tailored to their needs for rehabilitation and mitigation of both severe symptoms and the causes of the mental disorder.
Which Mental Health Disorders Does Blue Cross & Blue Shield Cover?
- Anxiety disorder;
- Post-traumatic stress disorder;
- Depression;
- Bipolar disorder;
- Obsessive-compulsive disorder;
- Schizophrenia and schizoaffective disorder;
All these mental illnesses and disorders are successfully treated in the URP Behavioral Health center. We will gladly help you return to your mental health and accept Blue Cross Blue Shield insurance policies to reduce the expenses you may face during your rehabilitation.
How Much Does BCBS Cover For Mental Health Treatment?
The costs for mental health rehabilitation may be considerable and some patients even fear starting their way to health due to their rates. Yet, when you have a Blue Cross Blue Shield insurance policy that includes mental health rehabilitation coverage, you should not be afraid of high costs. The rates for coverage depend on the medical care facility as it can be either in-network with BCBS or out of the network. The first option is more beneficial as for such rehabs, BCBS covers more costs and requires lower deductibles to pay prior to the policy starting to act. Typically, such rehabilitation centers’ services may cost you from $15 to $50 per 1 session or 1 visit. In the case the facility you applied for the mental health rehabilitation services is not an in-network one, the rates may be higher with the cost of a co-payment from $50 to $100 per 1 session or 1 visit. Do not forget also about the deductibles. For mental health rehabilitation centers that are not in-network, deductibles may also be higher.
Besides, you should understand that the estimated cost for each therapy plan depends greatly on multiple features including as following:
- The diagnosis you want to treat;
- The severity of symptoms and the therapy type chosen to reduce them;
- Your residence place;
- The type of treatment program – outpatient or inpatient.
In any case, you can check the costs for your rehabilitation in advance by verifying your insurance policy and its coverage.
If you have your Blue Cross Blue Shield insurance plan, we welcome you to get high-quality rehabilitation services for the widest range of mental disorders in URP Behavioral Health. All the best rehabilitation programs, licensed therapists and medical advisors, and advanced inpatient and outpatient healthcare services are available for BCBS clients for reasonable costs with high coverage rates. Being a Blue Cross Blue Shield in-network mental health care facility is our pride and we gladly help patients who rely on this nationwide insurance provider.
Let’s maintain your mental health and support it with the newest therapy plans by URP Behavioral Health covered by BCBS insurance programs.
