Pennsylvania Drug & Alcohol Rehab Covered by Independence

Independence Blue Cross offers a wide variety of plans. Many of them will cover drug and alcohol treatment in accordance with the ACA.³

However, the amount and coverage requirements vary from plan to plan, so it’s important to verify your coverage details before you use your Independence drug rehab coverage. You’ll also want to work with your doctor to create a treatment plan, which will help determine what type of rehab is medically necessary for you. 

There are several ways to get the details of your Independence insurance coverage for addiction treatment. You can contact Independence Blue Cross directly or log into your online insurance account.

Like most insurance companies, Independence Blue Cross coverage focuses on medically necessary care, which is why it’s essential to work with your doctor to come up with a treatment plan. The plan will likely include multiple types of treatment depending on your needs. 

Some of the most common types of addiction treatment include that Independence Blue Cross may cover:⁴

• Medical detox. Detox is the process by which the body rids itself of harmful substances. Due to the potential appearance of uncomfortable or severe withdrawal symptoms, many may seek to undergo detox in a medical setting.⁵
• Inpatient or residential addiction treatment. Inpatient treatment will have a patient live at a facility 24/7 and receive intensive care. Inpatient programs typically occur in a hospital setting, while residential programs are usually set in a designated rehab center. 
• Outpatient addiction treatment. Outpatient care allows a patient to remain and live at home while still receiving addiction care. There are three different types of outpatient treatment that vary in intensity: standard outpatient programs, intensive outpatient programs, and partial hospitalization programs. 
• Rehab aftercare. Once you complete treatment, it’s helpful to have resources that allow you to reinforce your new habits and mindsets. This might include 12-Step groups, community housing, employment resources, and more. 

Having a mental health diagnosis alongside addiction is known as a co-occurring disorder, and recovery requires integrated treatment that addresses both conditions.⁶

You might wonder if Independence coverage for rehab will also cover mental healthcare. Most Independence Blue Cross plans will cover both and allow you to get the specialized care you need. However you might need a referral or preauthorization, and it’s important to know how much coverage you have.

The first step in using Independence coverage for addiction treatment is to get a treatment plan from your doctor. This will help you understand if you need residential or outpatient care and whether you will need to start with medical detox or not. 

Then, you’ll need to verify your insurance details and find a rehab that takes Independence Blue Cross.

If you or a loved one is ready to seek rehab for a substance use disorder, explore your options and reach out to a rehab center using our rehab directory tool today!