Does Blue Cross Blue Shield Cover Gambling Treatment?

Blue Cross Blue Shield Insurance For Addiction Treatment

Blue Cross Blue Shield (BCBS) is a major health insurance provider that covers 114 million people in the United States. BCBS coverage is widely accepted by many doctors and care providers in all 50 states. In many cases Blue Cross Blue Shield does provide treatment for addiction and mental health services. 

Am I covered for addiction treatment?

To determine if you are covered by BCBS for gambling addiction treatment, there are a few ways you can explore. You can visit the Blue Cross Blue Shield website and search for a provider specializing in gambling addiction treatment. Another option is to call the number on the back of your insurance card and ask for assistance.

Alternatively, you can contact a provider or treatment center and inquire about the insurance they accept. However, since there are different levels of coverage, the treatment center may require additional information about your plan to determine the extent of coverage. Fortunately, many providers are willing and happy to collaborate with you in determining the level of coverage you have.

Some insurance plans may cover the following:

• Outpatient treatment

• Inpatient treatment

• Individual counseling

• Group counseling

• Visits to a physician
  
  

Regardless of the coverage, you will have to pay a copay or a deductible. The amount you owe will vary depending on your plan, and it can be determined before you commence treatment.

What If I Want More Treatment?

In some cases, you may find that your insurance does not offer the desired coverage or restricts your treatment options. If, after undergoing the treatment provided and paid for by your insurance, you feel the need for further treatment, you do have options. You might require additional counseling or visits to a clinician for addressing your gambling problem, which may not be covered by your insurance.

It is encouraged to seek any counseling that can assist with gambling addiction. Although there is no cure for gambling addiction, proper treatment can provide effective coping mechanisms to manage gambling urges.

How Can I Pay the Costs Not Covered By My Insurance Plan?

If your insurance does not cover the full amount of treatment, there are options available to address the remaining costs. Even with insurance, there will typically be a copay or deductible that you are responsible for paying. The specific amount will be determined by your insurance plan, and your provider can inform you of this when you reach out to them.

However, if you do not have insurance, there are still alternatives to consider for covering the financial expenses associated with treating your gambling addiction. Some providers offer financing options that allow you to make payments over time. In more extreme cases, individuals may explore options such as withdrawing funds from a 401(k), IRA, or savings account. It's also possible to utilize equity in a home to fund treatment. Prior to making any decisions like these, it is important to have discussions with your family and healthcare provider to determine the most suitable financing path for you and your family.

Contact your healthcare providers and engage in discussions about payment options. They may be willing to offer a discounted rate, establish a payment plan, or provide access to financial assistance programs to help you manage the costs.

The Need for Help

Regardless of the coverage provided by BCBS or any other insurance provider, seeking professional help for gambling addiction is paramount. Numerous resources and support networks are available to assist individuals on their journey to recovery. These include counseling services, support groups, hotlines, and specialized treatment centers dedicated to gambling addiction.

Finding Help

If you or a loved one is dealing with a gambling problem, it is important to reach out to your insurance provider or a treatment center as soon as possible. Seeking help at the earliest opportunity sets you on the path to recovery.

While coverage for gambling addiction treatment can vary depending on your specific BCBS plan and location, BCBS generally does offer coverage for gambling addiction treatment within their mental health and substance abuse treatment policies. It is crucial for individuals seeking treatment to carefully review their policy documents or directly contact BCBS to obtain accurate and personalized information regarding their coverage.

Remember, seeking help for gambling addiction is crucial, and there are resources available to support individuals in their journey towards overcoming their gambling problem.

References: 

- Gamblers Anonymous: Gamblers Anonymous

- Blue Cross Blue Shield Facts Sheet (2022): Blue Cross Blue Shield Facts Sheet (2022)