Have you found yourself wondering if BCBS advantage cover will pay for rehab? Maybe you need to enter a facility and want to know how many days your insurance will pay for? Whatever brought you here today, we have the answers for you.
We know how difficult it can be for you or your loved ones to find yourself a facility and check in to receive the treatment you need.
The last thing you want is to worry about how you will cover the costs or make ends meet while you are getting the help that you need.
And with more insurance providers covering rehab or part of a stay at a facility, it can be tricky to know what your provider covers and for how long. But that’s where we come in to give you the answers that you need.
Keep reading to find out how many days BCBS advantage covers in rehab and everything else that you need to know today.
What Is BCBS?
For those that need it, let’s have a quick recap! BCBS or Blue Cross Blue Shield is a national association that offers 34 independent and community, and locally-based companies.
As part of the Medicare program, BCBS works to provide healthcare across the country for those that need it.
They have a range of plans to choose from that you can find more information about on their website.
What Is BCBS Advantage?
BCBS Advantage is a range of healthcare plans that you can choose from. The plans will vary depending on your location.
You can use the Medicare website to enter your Zip Code and find out what plan is best for you in your area.
The plans range in price, making it super affordable for a range of people to have access to health care.
You can also benefit from preloaded debit cards that can help you and your family purchase vitamins or other health-related items.
While the coverage of the plans varies across the country, there is sure to be a plan that suits you.
You can choose from the following type of advantage plans:
These plans allow you access to specific hospitals and doctors. Typically, you need referrals from your primary doctor to see a specialist and will have limited out-of-network benefits.
These plans merge an HMO plan with a POS, Point Of Service, to access out-of-network services, for a fee.
Preferred Provider Organization, or PPO, plans come with the most freedom. You can see any provider that accepts your insurance and access specialists. There is also out-of-network care available, but the cost might be higher.
PFFS plans allow you to see a doctor who accepts your insurance plan. You don’t need to pick a primary doctor and there is no need for a referral to see a specialist.
An SNP, or Special Needs Plan is designed for those with diseases or certain characteristics.
These are available for those with chronic conditions, those with assistance from state Medicaid programs, and those in nursing or assisted living homes.
You can contact an advisor or check online to find out which advance plan is right for you.
How Many Days Does BCBS Advantage Cover In Rehab?
So how many days does BCBS advantage cover in rehab? Unfortunately, there isn’t one clear answer that suits all.
Each plan covers a different amount of days in rehab and is also affected by your location.
Generally speaking, though, Medicare will pay for up to 100 days in a skilled nursing facility.
As BCBS is part of Medicare, we can take these 100 days as a rough guide and assume that plans will either offer this or slightly less depending on your location.
To find out how long your BCBS advantage cover will pay for you to attend rehab, you will want to read through the policy carefully.
You should find a breakdown of how many days are covered and if you need to pay towards any of the care yourself.
If you don’t have a policy, we recommend contacting BCBS directly or using the Medicare website to enter your zip code and find plans in your local area.
Again, be sure to read through the policy carefully before agreeing to it or to speak to a representative if you need more assistance.
You will also want to check the eligibility section too, to ensure that you are eligible under your cover to enter rehab at their cost.
How Else Can I Pay For My Time In Rehab?
If the number of days your policy pays for you to attend rehab is not enough for you, you might need to pay for it yourself.
This is not a viable option for everyone, but there are some ways that you can do this yourself. Let’s take a look at your options below.
Not everyone has savings to rely on, which is why some addiction centers offer financing options for you to attend. They will connect you to a finance team that will loan you the money.
Once you are out of rehab and making money again, you will repay the loan. These loans are subject to a credit check, but there are lots of options out there to suit most people.
Credit Cards Or Loans
You can also apply for a loan or credit card directly to pay for your time in rehab. It’s worth noting that you run the risk of high-interest rates or late payment fees if you miss a payment, so be sure to consider this carefully before applying for a loan or credit card.
Ask Your Family
If you are lucky, you might be able to rely on the support of your family to cover part or all of the cost of rehab.
This is something that you can approach with your loved ones, and hopefully they are able to help you get the support that you need.
The amount of time BCBS advantage will pay for you to attend rehab varies depending on your plan and your location.
Be sure to check directly with your plan to find out how long you can enter a rehabilitation facility for today.
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