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Drug & Alcohol Rehab Covered by Blue Cross and Blue Shield of Illinois

Written by: Anna Spooner
Edited by: Kindra Sclar
Updated Sep 5, 2024
On this page, you will learn about Blue Cross and Blue Shield of Illinois insurance coverage for addiction treatment and how to confirm what benefits are available under your specific plan.
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Blue Cross and Blue Shield of Illinois Provider Overview

Blue Cross and Blue Shield of Illinois is a health insurance provider with nearly 9 million members.1 It is member-owned and works to improve access to care, keep care affordable, and improve health outcomes.1 If you or a loved one has Blue Cross and Blue Shield of Illinois insurance and you are wondering how to pay for drug or alcohol rehabilitation treatment, review the information below to learn about how addiction recovery programs may be covered under their plans. While specifics vary from plan to plan, this page can help you understand what you may be able to expect when it comes to insurance coverage for rehab with Blue Cross and Blue Shield of Illinois.

This page is intended to be a general overview of how Blue Cross and Blue Shield of Illinois covers addiction and mental health services, not a comprehensive guide on the subject. For specific questions about your plan and Blue Cross and Blue Shield of Illinois coverage for addiction treatment at American Addiction Centers’ facilities, call for free at or contact a Blue Cross and Blue Shield of Illinois representative directly and learn about how to pay for rehab.

Does Blue Cross and Blue Shield of Illinois Cover Drug & Alcohol Addiction Treatment?

Does Blue Cross and Blue Shield of Illinois cover rehab? For most of their plans, the answer is yes. The Affordable Care Act (ACA) mandates that insurance providers offer plans that cover both substance use and mental health treatment.2

When you use your Blue Cross and Blue Shield of Illinois coverage for rehab, your plan might pay at least some of the cost of care you need, whether that’s residential treatment or outpatient rehab. However, there are exceptions to ACA requirements, so be sure to verify your insurance coverage before you start treatment.

An easy way to verify coverage is to contact the American Addiction Centers (AAC) hotline. Our admissions navigators are available 24/7 and can review your insurance plan in just a few minutes over the phone, by text, or via online chat. If you’re ready to get started, call to speak to one of our admissions navigators now.

Which Types of Addiction Treatment Does Blue Cross and Blue Shield of Illinois Cover?

All health insurance plans focus on paying for medically necessary care, so be sure to talk to your doctor about your substance use to get an accurate treatment plan.

Common types of treatment include:3

  • Medical detox. Ridding your body of the substances you’re trying to quit helps you start treatment fresh. During this medically supervised treatment, you will be kept as safe and as comfortable as possible.
  • Inpatient addiction treatment. Many people benefit from focusing on recovery without distractions, and inpatient or residential rehab enables you to do that.
  • Outpatient addiction treatment programs. Outpatient care gives you the flexibility to attend a few hours of treatment a week and live at home or in sober living outside of treatment.
  • Intensive outpatient programs (IOPs). A drug and alcohol IOP is outpatient care that has a more focused treatment program where you attend treatment for around 9 hours per week.
  • Partial hospitalization rehab programs. A partial hospitalization program (PHP) is the most intensive type of outpatient care. In a PHP, you attend treatment full-time each day and return home when the day is over.
  • Aftercare. Once your treatment is complete, aftercare services can connect you to additional resources that help you stay strong in your recovery.

How to Use Blue Cross and Blue Shield of Illinois for Addiction Treatment & Rehab

Health insurance is among the easiest ways to pay for addiction treatment. To use your Blue Cross Blue Shield coverage, start with a visit to your doctor. Your doctor will ask questions and create a recommended treatment plan based on your responses, and this will be important in getting rehab covered by Blue Cross and Blue Shield of Illinois.

The next step is to understand your insurance coverage. It’s important to know which treatment centers are part of your coverage and which aren’t. You can contact the insurance company directly, or you can call AAC at any time of day or night. Our admissions navigators are experienced and can verify your insurance in just a few minutes. They can also answer all of your questions about what to expect from treatment.

If the treatment center you’re most interested in doesn’t accept your coverage, there are options for paying for rehab without insurance. For example, some treatment centers offer scholarships or payment plans, or you can borrow money from friends and family to help you reclaim your life. The key is to get the care you need.

Blue Cross and Blue Shield of Illinois Coverage for Co-Occurring Disorder Treatment

Oftentimes, a person experiencing substance misuse may also be struggling with mental health issues, and this is commonly known as a co-occurring disorder. Co-occurring disorder treatment addresses both mental health and substance use in an integrated way to maximize your chance of long-term recovery.4

Blue Cross and Blue Shield of Illinois coverage for addiction treatment pays for mental health care, too. The exact amount of coverage and what you can expect to pay out of pocket varies depending on your plan, so be sure to verify your coverage before committing to treatment.

AAC is proud to run a variety of high-quality treatment centers around the country. Our facilities are designed to address co-occurring disorders so our clients can break free from substance use once and for all.

Start Your Recovery

Using health insurance to pay for rehab is the easiest way to get the care you need. However, it’s important to know the details of your insurance plan so you aren’t caught off guard by costs when your sole focus should be recovery. That’s why it’s important to call AAC at to speak with an admissions navigator. They’ll verify your insurance quickly and answer any questions you have about rehab.

You deserve a life free from substance use so you can chase your dreams. Get started by contacting us today.

Additional Resources

Sources

  1. Blue Cross and Blue Shield of Illinois. (2024) Who we are.
  2. Healthcare.gov. (n.d.). What Marketplace health insurance plans cover.
  3. Findtreatment.gov (n.d.). Treatment options.
  4. National Institute on Drug Abuse. (2020, April). What are the treatments for comorbid substance use disorder and mental health conditions?
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