Drug & Alcohol Rehab Covered by Blue Cross Blue Shield of Oklahoma

Yes, your Blue Cross Blue Shield of Oklahoma health insurance plan may offer coverage for drug & alcohol addiction treatment, depending on the specifics of your plan. The Affordable Care Act (ACA) mandates that all major health insurance companies offer mental health and substance use coverage, making it easier for you to get the treatment that you need.² 

As previously mentioned, your coverage will depend on the specifics of your individual Blue Cross Blue Shield of Oklahoma insurance plan. Confirming the details of your plan can make you aware of the benefits and limitations of your coverage. 

The following levels of treatment may be fully or partially included in your BCBSOK coverage for drug rehab:

• Medical detox. Often viewed as the first stage in addiction treatment, medical detox offers professionally supervised and sometimes medication-assisted withdrawal symptom management while the body clears itself of drugs or alcohol.³ 
• Inpatient treatment. During inpatient drug and alcohol rehab, patients live at the facility where they will receive highly structured treatment that can last anywhere from a few weeks to a few months, depending on the needs of the patient.³ 
• Outpatient rehab. Outpatient addiction treatment programs vary in both intensity and services offered and include standard outpatient treatment, partial hospitalization programs (PHPs), and intensive outpatient programs (IOPs).³ PHPs require a time commitment of 4-8 hours of treatment each day of the week, while IOPs require anywhere from 9 to 20 hours per week of treatment.⁶ Patients of all levels of outpatient rehab continue to live at home for the duration of their involvement in treatment.
• Aftercare. After one or more of the above levels of care is completed, a patient’s treatment team will develop an aftercare plan to support their sustained recovery. This plan may include continued participation in therapy, attending 12-Step meetings, residing at a sober living home, or other actions. 

If you’re ready to learn more about your Blue Cross Blue Shield of Oklahoma coverage for alcohol treatment or drug treatment, you’ve got options. You can start by visiting the BCBSOK homepage and logging into your account. There, you can find all the information about your specific plan, plus much more.¹ If you’d prefer to talk to a BCBSOK representative, call the number on the back of your insurance card or call 1-866-520-2507. You can also visit their Contact Us page for additional phone numbers and resources.

Many people who experience substance use disorder have a concurrent mental health condition, often referred to as “co-occurring disorders”.  According to the Substance Abuse and Mental Health Services Administration (SAMHSA), of the 58.7 million Americans ages 18 and older with a mental illness in 2023, approximately one-third of them (or 20.4 million) also had a co-occurring substance use disorder.⁵

Your insurance plan may partially or fully cover co-occurring disorder treatment.

Other Options to Pay for Addiction Treatment

While the ACA requires health insurance plans like BCBSOK to provide some degree of coverage for the treatment of mental health and substance use disorders, there may still be out-of-pocket costs associated with treatment that are not covered by insurance.

It is important for patients to communicate with both the treatment facility and their insurance company to determine what costs they may be responsible for. Patients can also ask the treatment facility if they offer payment plans or sliding scale fees based on income to help cover the cost of treatment.

Additionally, there are other ways to cover out-of-pocket costs for mental health and substance use disorder treatment. Some patients may choose to pay for treatment out-of-pocket or through private insurance. Others may be eligible for scholarships or grants to help cover the cost of treatment. Some treatment facilities may also offer financing options, such as loans or payment plans, to help patients cover the cost of treatment.

It is important for patients to understand that the cost of treatment should not deter them from seeking help. There are resources available to help cover the cost of treatment, and patients should explore all options to ensure that they receive the care they need to achieve recovery.

Other Insurances That Cover Rehab

• Ambetter Insurance
• UnitedHealthcare Insurance
• Humana Health Insurance
• Cigna Insurance
• Blue Cross Blue Shield Insurance
• Kaiser Permanente Insurance
• Veterans’ Insurance

1. Blue Cross Blue Shield of Oklahoma. (2024, September 3). Looking for Oklahoma health insurance?
2. HealthCare.gov. (n.d.). Health benefits & coverage.
3. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (3rd edition).
4. Blue Cross Blue Shield. (2024). Member services.
5. Substance Abuse and Mental Health Services Administration. (2024, July 30). Key substance use and mental health indicators in the United States: Results from the 2023 National Survey on Drug Use and Health.
6. Substance Abuse and Mental Health Services Administration. (2004). What is substance abuse treatment? A booklet for families.