Are you considering swapping to BCBS Personal Choice and want to know how many days they will pay for drug rehab? Maybe you already have a policy and want to know how long you can stay in rehab for? Whatever the reason is that brought you here today, we have the answers for you.
We know how tricky it can be to find a rehab center for you and the last thing you want to do is worry about how you will pay for the help you need.
But not every insurance provider offers you clear answers, leaving you unsure where to turn or who to trust.
And that’s where we come in to help! Keep reading to find out how many days BCBS personal choice pays for drug rehab and everything else you need to know about them.
What Is BCBS Personal Choice?
Before we dive in, let’s have a quick recap for those that need it! BCBS Personal Choice is a health insurance plan brought to you by Independence Blue Cross.
The Personal Choice PPO plan allows you to visit any hospital or see a doctor available to you in the Personal Choice network, offering lots of flexibility.
You also won’t need any referrals to see a specialist, so you don’t need to spend time getting permission from a PCP or family doctor. You can also enjoy a lower cost when you visit these hospitals and can see professionals out of your network too.
It’s the perfect option for those that want flexibility within the Philadelphia region.
The Personal Choice PPO plan is broken down into a Bronze, Silver, or Gold package with prices and what is available to you varies depending on the package that you choose.
We recommend that you spend some time comparing these packages (you can do so here) to ensure that you make the right choice for yourself.
Now that we have covered what BCBS Personal Choice is, let’s move on and see how many days they will pay for you to enter a drug rehab facility.
How Many Days Does BCBS Personal Choice Pay For Drug Rehab?
Unfortunately, no one answer fits this question. The number of days that BCBS Personal Choice will cover for drug rehab depends on the plan that you have and the state that you live in.
Thankfully, you can find this information out easily, by contacting BCBS (Blue Cross Blue Shield) directly.
They can tell you the plan that you have and how long this would cover a stay at drug rehab, or cover any outpatient treatments.
The level of coverage will also depend on the plan that you have, so you might need to put a few hundred, or thousand dollars towards the cost of your stay.
Don’t worry, you can find all this information out before you check-in, so you won’t need to worry about that while you are focusing on getting better.
Most plans will cover detoxing from substances where determined necessary, so the first step on your road to recovery will most likely be covered without you needing to worry.
BCBS will also cover the recovery treatment that comes after detoxing, including therapy, but the level of this does vary depending on the cover you have chosen.
We know it’s frustrating not to know how many days you will be covered, but a quick call to BCBS, or reading through any documentation of your policy should give you the answer that you need.
Remember, everyone’s situation is different, and the amount of time needed to recover will differ. Thankfully, BCBS will cover part of this recovery in most instances.
How Else Can I Pay For Drug Rehab?
As we mentioned earlier, BCBS will cover your drug rehab treatment, but not always the entire amount.
Often, you will need to contribute to the cost, whether it is a deductible on your plan or part of your stay in rehab.
Finding out how to pay for this can be tricky, and that is why we have included some options below.
Scholarships Or Grants
Some rehab centers will have scholarships or grants available that can help you cover the cost of your stay.
These often don’t need to be paid back either, giving you one less thing to worry about while you are recovering.
Not every rehab center offers this, but you can search online quickly to find out what centers do and how you can apply for these quickly.
Credit Cards Or Loans
Another option is to take out a loan or pay for your stay on a credit card. If you have access to a low-interest or interest-free period, then this is a good option.
You can make small monthly repayments without needing to worry about incurring interest while you get better.
However, this is based on a good credit score, which not everyone has.
Before taking out a loan, you will want to read through the terms carefully and be sure that you can continue to make the repayments. The last thing you want is to incur more debt with high-interest rates or late payment fees.
If you have any savings or an emergency fund, you can use these for your treatment. Be sure that you can use this money without putting yourself in any financial distress.
If these are shared savings you will also want to get permission from the other person to ensure that they can be used.
And there you have it! The number of days BCBS Personal Choice will pay for drug rehab will vary depending on the level of coverage you have paid for and the state you live in.
You can check your policy easily by speaking to someone from BCBS or by reading through any documentation of your policy that you have. Doing this is the quickest way to get an accurate answer today!
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