If you or someone you know needs drug or alcohol addiction rehabilitation in Massachusetts, Blue Cross Blue Shield (BCBS) may assist in covering a portion or the entirety of the expenses. This page will supply details regarding BCBS health insurance for mental health and substance abuse treatment and assist you in confirming the benefits accessible through your plan.

Addiction and Mental Health Statistics in Massachusetts

In Massachusetts, the annual rate of opioid prescriptions has increased by about 7% since 2000, and despite good access to harm reduction measures in rural areas, the state still faces high overdose rates. The Massachusetts health reform didn’t significantly change the number of hospital admissions related to substance use disorder (SUD).

Furthermore, drug use ranks as the second major cause of HIV transmission in the state, according to annual HIV/AIDS surveillance data. Additionally, young adults in Massachusetts, particularly those aged 18-25, have higher rates of binge drinking compared to the national average, as reported by the Substance Abuse and Mental Health Services Administration.

Exploring Massachusetts and its Famous Cities

Massachusetts, located in the northeastern United States, is a geographically diverse state encompassing urban and natural landscapes. Boston, The Bay State’s¹ capital, is on the eastern coast and is known for its harbor and historic neighborhoods. Worcester is in the central part of the state, while Springfield lies in the Connecticut River Valley to the west.

In the northeastern part, Haverhill and Lowell are found in the Merrimack River Valley, known for their historic textile history, education, and innovation. This mix of urban, coastal, and rural landscapes defines the geographical character of Massachusetts.

Who is Blue Cross Blue Shield?

Blue Cross Blue Shield (BCBS) is a group of independent health insurance providers. Each provider caters to distinct geographic areas in the U.S., delivering an extensive array of health insurance offerings encompassing individual, group, and Medicare plans. These plans provide PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) options with differing benefits and premiums.²

Back in 1929, Justin Ford Kimball founded the very first Blue Cross plan in Texas,³ and it mainly dealt with covering hospital expenses. Around the same time, Blue Shield plans emerged, which took care of medical services from doctors. Over time, these two efforts joined together to create what we know today as the Blue Cross Blue Shield Association (BCBSA).

Every BCBS company operates independently and has unique backgrounds, insurance plans, and services. Although they are part of the larger BCBSA, the specific features and details may vary from company to company. Generally, Blue Cross Blue Shield companies provide health insurance covering various medical services, including hospital stays, doctor visits, prescription medications, preventive care, and more.

Some of BCBS Brands and Services in Massachusetts

Blue Cross Blue Shield of Massachusetts is a prominent health insurance provider serving the New England state of Massachusetts. The company offers a variety of brands, products, and services designed to cater to the diverse healthcare needs of its members. Some of the key aspects of BCBS of Massachusetts offerings include:

  • Blue Cross Blue Shield of Massachusetts: The primary BCBS brand in the state, offering various health insurance plans for individuals, families, and businesses.
  • Blue Cross Blue Shield Federal Employee Program (FEP): The program provides health insurance plans for federal employees, retirees, and their families in Massachusetts.4
  • Medex: This supplementary insurance plan offered by Blue Cross Blue Shield of Massachusetts provides additional coverage to complement Medicare.5
  • Dental and Vision Coverage: Dental and vision insurance options help members access comprehensive healthcare services for oral and eye health.6
  • Technology and Online Tools: Medically necessary services can be conducted via telehealth for suitable medical and mental health services, which was especially beneficial during the COVID-19 pandemic.7
  • Mental and Behavioral Health Services: Coverage for mental health, behavioral health, and substance abuse treatment services, encompassing therapy and counseling for individuals and families dealing with these challenges.8
  • Wellness Programs: Wellness and preventive health programs promote healthy lifestyles among members, including fitness and weight management support and discounts on various health and wellness products and services.9
  • Blue 20/20: Vision care discounts and benefits for members, including access to a network of eye care providers.10
  • Blue Cross Health Management Programs: Programs aimed at managing chronic conditions and promoting overall well-being.11
  • Blue Care Elect Preferred Network: A network of preferred healthcare providers for members, offering cost savings and coordinated care.
  • Blue Cross Blue Shield Foundation of Massachusetts: The foundation strives to guarantee fair, unbiased healthcare access for those who face economic, racial, cultural, or social marginalization.12

What is Blue Cross Blue Shield of Massachusetts Rehab Coverage?

Blue Cross Blue Shield of Massachusetts’ rehabilitation insurance coverage supports insured individuals needing mental health and substance abuse treatment. The extent of covered services is subject to your particular BCBS policy but typically includes assessments, inpatient and outpatient care, medication-assisted treatment (MAT), and more for disorders such as depression or alcoholism.

The details of your insurance coverage, such as copays and deductibles, as well as any exclusions or limitations on therapy sessions or the duration of inpatient care, can differ based on various factors. Review your policy documents or contact us if you require help confirming the specifics of your rehab insurance.

Does Blue Cross Blue Shield Cover Rehab?

Rehabilitation services are often provided by BCBS health insurance plans in Massachusetts. This may include Blue Cross Blue Shield alcohol rehab and Blue Cross Blue Shield drug rehab, with inpatient and outpatient care options. Coverage specifics can vary significantly, depending on factors such as your plan’s particulars and the treatment provider.

Many BCBS plans offer support for diverse mental health and addiction rehabilitation services, including services like detoxification, counseling, medication-assisted treatment (MAT), dual diagnosis care, and more.13 Moreover, BCBS plans are commonly required to offer some degree of mental health and substance abuse coverage in compliance with the Mental Health Parity and Addiction Equity Act and the Affordable Care Act (ACA).14

For specific information about your coverage under your BCBS plan in Massachusetts, call (844) 326-4514 or check your insurance here.

Does BCBS Cover Medical Detox Treatment in Massachusetts?

Blue Cross Blue Shield health insurance policies in Massachusetts typically encompass medical detox treatment as a component of their substance abuse and addiction recovery services. However, the precise aspects of this coverage can differ based on the unique characteristics of your BCBS plan, your location in Massachusetts, and other relevant factors.

Review your policy documents or contact BCBS to find out the details regarding your medical detox treatment coverage. Many BCBS plans consider medical detox an essential component of addiction treatment, particularly when medically necessary. Nevertheless, the specific terms, limitations, and potential costs you may need to cover out of pocket can vary. Therefore, verifying these particulars with your insurance provider is essential, or you can call (844) 326-4514 for further assistance.

Does BCBS Cover Residential Treatment in Massachusetts?

Blue Cross Blue Shield health insurance policies in Massachusetts commonly offer assistance for expenses related to residing in a treatment center when addressing concerns associated with substance use or mental health. Nonetheless, the specifics of what they include can vary, contingent upon your policy details, geographical location within Massachusetts, chosen treatment facility, and other factors.

Many BCBS plans consider residential treatment integral to addiction and mental health care services. However, the extent of their coverage, the associated regulations, and any potential personal expenses can fluctuate. Verify your insurance details with your provider.

Does BCBS Cover Mental Health Therapy Treatment in Massachusetts?

Under the Affordable Care Act (ACA), it is mandated that all health insurance providers offer coverage for services related to mental and behavioral health.15 If you seek precise information about the mental health therapy treatments included in your health benefits or have any other inquiries, we recommend consulting your policy documents.

Other Rehab Treatment Programs Covered by Blue Cross Blue Shield in Massachusetts

BCBS in Massachusetts offers various rehabilitation programs for a vast array of health issues, not limited to substance addiction. The coverage provided depends on your particular policy. These programs cater to different needs, and the specifics can vary. The following section will closely examine other rehabilitation treatment programs that BCBS usually covers to some extent.

BCBS Coverage for Partial Hospitalization Programs

Blue Cross Blue Shield (BCBS) insurance plans typically cover Partial Hospitalization Programs (PHPs) designed for people who suffer from mental health or substance abuse issues. PHPs provide intensive outpatient treatment, which fills the gap between inpatient care and traditional outpatient services. With PHPs, you can receive comprehensive treatment during the day and return home in the evening.

BCBS coverage for PHPs includes a range of services, such as therapy, medication management, group counseling, individualized treatment plans, and aftercare. Access to PHPs can be essential for managing mental health or substance use conditions and achieving sobriety and well-being.

BCBS Coverage for Intensive Outpatient Program

Blue Cross Blue Shield (BCBS) insurance plans commonly provide benefits for Intensive Outpatient Programs (IOPs), offering a valuable treatment option for individuals addressing mental health concerns or substance use challenges. IOPs consist of structured, intensive therapy and counseling sessions, allowing you to continue your daily routines and obligations.

BCBS’s coverage for IOPs generally includes various services, such as individual counseling sessions, which may utilize cognitive-behavioral therapy (CBT) or motivational interviewing techniques, psychoeducation, participation in support groups, and mental health assessments. Engaging in an IOP can play a crucial role in relapse prevention, and BCBS typically extends support to individuals in need of this level of care.

BCBS Coverage for Acute Treatment Programs

BCBS insurance plans usually provide coverage for acute treatment programs catering to individuals requiring intensive psychiatric or behavioral health care on an immediate basis. These programs are offered within hospital settings, providing continuous support for stabilization. Coverage for these programs typically includes inpatient care, psychiatric assessments, medication management, and more, making them vital for addressing severe mental health issues.

BCBS Coverage for Inpatient Rehab

Inpatient rehabilitation programs that cater to individuals requiring comprehensive care and supervision for mental health treatment or substance abuse recovery are usually covered by Blue Cross Blue Shield (BCBS) insurance plans. These programs typically require a residential stay at a medical facility, where you will receive 24/7 care, monitoring, and specialized treatment.

BCBS usually covers medical evaluations, therapy sessions, medication management, and necessary medical interventions for inpatient rehabilitation services. Access to inpatient rehab is crucial for individuals needing focused care, and BCBS is dedicated to supporting those requiring this level of treatment.

Rehab Center in Massachusetts That Takes BCBS

Our mission is to support your journey from detoxification to outpatient treatment, empowering you to attain comprehensive well-being. In our contemporary facility, you’ll find a tranquil environment to privately commence your recovery from substance abuse or alcohol addiction while addressing mental health needs. We utilize cutting-edge clinical practices and evidence-based methods as components of our all-encompassing holistic approach.

Visit our accredited treatment center that accepts insurance:

How Much is Rehab with Blue Cross Blue Shield Insurance?

The expenses associated with rehabilitation in Massachusetts when using Blue Cross Blue Shield Insurance vary significantly. They depend on factors like policy details and the type and duration of treatment required. Generally, BCBS benefits can cover some rehabilitation costs, but you may be responsible for copayments, deductibles, and additional personal expenses.

While a standard three-month outpatient rehab program might have an estimated cost of approximately $5,000,16 these figures are approximate and can change due to various factors. It’s vital to prioritize obtaining the necessary care, regardless of the financial considerations. If you or a family member is contemplating mental health or addiction rehabilitation, we are here to assist you in accessing the necessary care. We encourage you to call (844) 326-4514 for a more accurate estimate of rehabilitation expenses under your particular plan.

How To Check BCBS Coverage Levels for Rehab Treatment

Understanding the specifics of your insurance policy is crucial, and it’s important to ensure you find rehab centers that take Blue Cross Blue Shield. To ascertain the extent of BCBS coverage for rehabilitation, you have the option to contact us or complete our secure online form for a confidential inquiry:

It is crucial to check your Blue Cross Blue Shield coverage levels for rehabilitation to ensure that you have sufficient financial support to address your rehabilitation needs effectively. A clear understanding of your insurance coverage helps you make informed decisions about your rehabilitation options and access the necessary care.

How To Get BCBS to Pay for Rehab Treatment

To secure cost-effective and efficient care, first verify your insurance coverage. Contact your provider or call (844) 326-4514 to understand the covered services and relevant details about rehabilitation treatment with Blue Cross Blue Shield insurance in Massachusetts. Additionally, ensure the rehab center you choose accepts BCBS and offers the necessary services.

Many BCBS plans require pre-authorization for addiction recovery services, so it’s crucial to obtain insurer approval before starting treatment. Serenity at Summit and other healthcare providers can assist with pre-authorization over the phone. After gaining approval, adhere to the treatment plan to ensure your insurance covers the services. After treatment, carefully review your insurance claims to confirm accurate service representation and prevent unexpected bills. If there are any discrepancies, promptly contact your insurer for resolution.

How Many Times Will BCBS in Massachusetts Pay for Rehab?

Blue Cross Blue Shield (BCBS) may offer coverage for multiple rounds of rehabilitation, but this varies based on elements like your policy, the needed treatment type, and the insurance company’s assessment of medical necessity. BCBS provides various plans, each with distinct coverage options.

Review your policy specifics to understand your health insurance coverage and benefits fully. Alternatively, you can call (844) 326-4514 for clarification and assistance.

Addiction Statistics in Massachusetts

  • The annual rate of opioid prescriptions in Massachusetts has risen by approximately 7% since 2000.17
  • In a study on the opioid epidemic in rural northern New England, rural Massachusetts had high overdose rates despite good harm reduction access.18
  • According to a study by Health Services Research, the Massachusetts health reform didn’t lead to a significant change in the number of hospital admissions related to substance use disorder (SUD).19
  • Based on yearly HIV/AIDS surveillance statistics, it’s evident that drug use stands as the second primary contributor to HIV transmission in Massachusetts.20
  • As reported in the Behavioral Health Barometer from the Substance Abuse and Mental Health Services Administration, young adults in Massachusetts (18-25) exhibit higher binge drinking rates than the national average.21


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  5. Blue Cross and Blue Shield of Massachusetts, Inc. “Medex: Summary of Benefits.” Blue Cross MA, www.bluecrossma.com/memberportal/pdf/cc/seniors-medex-group/42-0965.pdf.  Accessed 23 Oct. 2023.
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  8. “Mental and Behavioral Health.” Blue Cross MA, www.bluecrossma.org/myblue/your-health/mental-and-behavioral-health/mental-health-resource-center. Accessed 23 Oct. 2023.
  9. “Healthy Living – Tips for a Healthy Lifestyle.” Blue Cross MA, www.bluecrossma.org/plan-comparison/myblue/your-health/health-and-wellness/healthy-living. Accessed 23 Oct. 2023.
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  11. “Health Management Programs.” Blue Cross MA, provider.bluecrossma.com/ProviderHome/portal/home/clinical-resources/clinical-programs-and-information/health-management-programs/case%20management%20-%20for%20all%20users/!ut/p/z0/hY_BbsIwDIZfxRx6RM449F6YGJuGAE2aSi6TCabNSJPiBDbenoC0idN29O_vtz6jxhq1p5NtKN Accessed 23 Oct. 2023.
  12. “Massachusetts Foundation.” Blue Cross MA, 19 Oct. 2023, www.bluecrossmafoundation.org.
  13. “Substance Use Resource Center.” Blue Cross Blue Shield, www.bcbs.com/SURC. Accessed 21 Oct. 2023.
  14. “The Mental Health Parity and Addiction Equity Act (MHPAEA) |.” Centers for Medicare and Medicaid Services, www.cms.gov/marketplace/private-health-insurance/mental-health-parity-addiction-equity. Accessed 21 Oct. 2023.
  15. Frank, Richard G., et al. “Behavioral Health Parity and the Affordable Care Act.” Journal of Social Work in Disability & Rehabilitation, vol. 13, no. 1–2, Taylor and Francis, Apr. 2014, pp. 31–43. https://doi.org/10.1080/1536710x.2013.870512.
  16. Stilkind, Joseph. “Average Cost of Drug Rehab [2023]: By Type, State and More.” NCDAS, 1 Jan. 2023, drugabusestatistics.org/cost-of-rehab.
  17. “Chapter 55 Data Visualization.” Massachusetts Department of Public Health, 2016, chapter55.digital.mass.gov.
  18. Stopka, Thomas J., et al. “The Opioid Epidemic in Rural Northern New England: An Approach to Epidemiologic, Policy, and Legal Surveillance.” Preventive Medicine, vol. 128, Elsevier BV, Nov. 2019, p. 105740. https://doi.org/10.1016/j.ypmed.2019.05.028.
  19. Lasser, Karen E., et al. “Massachusetts Health Reform’s Effect on Hospitalizations With Substance Use Disorder-Related Diagnoses.” Health Services Research, vol. 53, no. 3, Wiley-Blackwell, May 2017, pp. 1727–44. https://doi.org/10.1111/1475-6773.12710.
  20. Commonwealth of Massachusetts. “2010 – Health of Massachusetts.” Mass.gov, www.mass.gov/info-details/2010-health-of-massachusetts.
  21. “Behavioral Health Barometer: Massachusetts, Volume 6: Indicators as Measured Through the 2019 National Survey on Drug Use and Health and the National Survey of Substance Abuse Treatment Services.” Substance Abuse and Mental Health Services Administration (SAMHSA), 2020, www.samhsa.gov/data/sites/default/files/reports/rpt32838/Massachusetts-BH-Barometer_Volume6.pdf.

Related Blue Cross Blue Shield Pages

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