Seeking treatment for drug addiction can be difficult for a number of reasons, one of which is the financial burden many programs can appear to be. Being located in Delaware, insurance plans that cover substance abuse treatment are available to you and the addition you suffer will not be considered a preexisting condition.
Blue Cross Blue Shield offers 14 plans to residents of Delaware, all of which cover substance abuse services. These plans can be divided into two basic types: Health Savings and Shared Cost.
Highmark Blue Cross Blue Shield Delaware – Health Savings
Blue Cross Blue Shield’s Health Savings plans offer coverage for both inpatient and outpatient substance abuse treatment services. Once you have reached your deductible, there will be no charge for these services. These plans are available with deductibles ranging from $1,800 to $6,300. Premiums vary based on your income, as well as other factors.
Highmark Blue Cross Blue Shield Delaware – Shared Cost
The Shared Cost plans offered by Anthem Blue Cross Blue Shield also include coverage for inpatient substance abuse treatment, as well as outpatient treatment services. However, these plans will not cover your costs at 100 percent even after you have met the plan’s deductible. Instead, you will be required to pay a specific amount of coinsurance or a copay after your deductible has been satisfied.
This plan structure offers deductibles ranging from $300 to $5250. All plans cover both inpatient and outpatient services, but your portion will differ depending on the plan. Coinsurance and copay requirements are detailed below:
- Shared Cost Blue EPO 5250 – 10 percent coinsurance after deductible for inpatient and outpatient substance abuse treatment.
- Shared Cost 3000 – $50 copay for outpatient treatment, 25 percent coinsurance for inpatient treatment after deductible.
- Shared Cost Blue EPO 1000 – $45 copay for outpatient substance abuse treatment, 20 percent coinsurance after deductible for inpatient treatment expenses.
- Shared Cost Blue PPO 1500 – $40 copay for outpatient treatment services, No charge for inpatient treatment after deductible.
- Shared Cost Blue PPO 1800 Rewards – $40 copay for outpatient treatment services, No charge for inpatient treatment after deductible.
- Shared Cost Blue EPO 750 – $30 copay for outpatient substance abuse treatment, 20 percent coinsurance for inpatient treatment after you have met your deductible.
- Shared Cost Blue EPO 0 – $50 copay for outpatient substance abuse treatment, $500 copay for inpatient treatment services.
- Shared Cost Blue EPO 1350 – No charge for inpatient or outpatient substance abuse treatment after you have met your deductible.
- Shared Cost Blue EPO 300 – $20 copay for outpatient substance abuse treatment services, 10 percent coinsurance for inpatient substance abuse expenses after deductible.
Finding a Plan
If you or someone you love is dealing with substance abuse, getting the proper treatment is essential. DrugRehab.org can help you choose the Blue Cross Blue Shield plan that is right for you, and we can also help you find an appropriate Delaware drug rehab facility. Contact us today and get your life back on track.