Drug & Alcohol Rehab Covered by BlueCross BlueShield of Tennessee

Yes, BlueCross BlueShield of Tennessee covers drug and alcohol addiction treatment under their umbrella of evidence-based behavioral health services. Marketplace plans must abide by the federal mandates of the Affordable Care Act (ACA).³ This act ensures that insurance providers offer coverage for 10 essential health benefits (EHBs).³ Included in the list of benefits is mental and behavioral health services, including treatment for substance use disorders.⁴

The amount of coverage you will receive, as well as out-of-pocket costs, are determined by your plan level. For example, the bronze, silver, and gold plans all have different deductibles, co-insurance, and out-of-pocket maximums.⁵

Contact American Addiction Centers to learn more about your BCBS Tennessee coverage for drug rehab. You can speak with an admissions navigator now to learn how to get the most out of your coverage, verify your health insurance, and help get you on the path to recovery. Call .

BCBS Tennessee coverage for rehab will generally follow a certain course of action to provide you with the best possible outcomes. The addiction treatment process often includes detoxification, rehab, and aftercare. A BCBS Tennessee treatment plan for addiction provides some type of coverage throughout this process, including programs for the following:

• Detoxification: Some people may benefit from medications to manage the effects of withdrawal. The medication is monitored and dispensed by a medical clinician during the detox process.⁶
• Inpatient treatment program: An inpatient program consists of either a hospital inpatient setting or a residential treatment environment. Both offer people with substance use disorders a place to receive 24/7 care and treatment in alignment with their specific needs.⁷
• Partial hospitalization program (PHP): A PHP, also known as high-intensity outpatient (HIOP), offers focused treatment for approximately 4 to 8 hours per day. Although this is a large part of the day, you will still reside at home. It is recommended that PHP treatment last for at least 3 months.⁶
• Intensive outpatient program (IOP): An IOP is also an outpatient program that is more intensive than other outpatient treatments. You’ll spend approximately 9 to 20 hours a week in the program.⁶
• Outpatient treatment program and therapy: Outpatient programs allow patients to reside at home and participate in school or work activities. Outpatient treatment programs vary in terms of attendance requirements; some may be daily where others meet a couple times a week. Attending therapy on a regular basis in an outpatient setting can equip you with the tools you need for sobriety.⁶

The level of care that you require is best discussed with an addiction specialist or doctor. Before entering treatment, you will be assessed for the proper level of treatment.

You can access details about your BlueCross BlueShield of Tennessee health insurance coverage in a variety of ways. You can call a BlueCross BlueShield of Tennessee representative and discuss your plan. They can check to see what level of coverage you are enrolled in. These BCBS levels include the following:⁸

• Bronze plan.
• Silver plan.
• Gold plan.

Another way to look at what is covered in your plan is to review the BCBS Tennessee website and connect to the member portal. You can also contact AAC for immediate policy answers and verification of benefits.

Even with BCBS Tennessee addiction treatment, you may have other costs to consider. Some of these costs include:⁹

• Co-payments.
• Deductibles.
• Co-insurance.

Many people experience mental health concerns alongside a substance use disorder. When this happens, it is referred to as a co-occurring disorder.¹⁰ Some common mental health issues that co-occur with substance addiction are:¹⁰

• Depression.
• Anxiety disorders.
• Bipolar disorder.
• Attention-deficit hyperactivity disorder (ADHD).
• Personality disorder.
• Schizophrenia.

It is recommended that co-occurring disorders be treated at the same time versus separately, and that treatment for co-occurring disorders be specifically tailored to the person’s situation.¹⁰

Call American Addiction Centers to speak with an admissions navigator who can help you begin the recovery process. Our admissions navigators can assist you with understanding your plan’s coverage, including verifying your insurance for a BCBS of Tennessee treatment program. Additionally, you can access the recovery.org treatment directory to search for a location near you. Entering a detox treatment program for substance use and/or co-occurring disorders can help put you on the path to greater well-being. Contact us today at . 

1. National Institute on Drug Abuse. (2014). Principles of drug addiction: A research-based guide (Third edition).
2. BlueCross BlueShield of Tennessee. (2024). Behavioral health.
3. HealthCare.gov. (n.d.). Mental health & substance abuse coverage.
4. HealthCare.gov. (n.d.). What Marketplace health insurance plans cover.
5. BlueCross BlueShield of Tennessee. (2024). 2024 Marketplace health insurance plans.
6. Substance Abuse and Mental Health Services Administration (SAMHSA). (2014). What is substance abuse treatment? A booklet for families.
7. FindTreatment.gov. (n.d.). What to expect.
8. BlueCross BlueShield of Tennessee. (2024). Individual & family health plans.
9. Centers for Medicare & Medicaid Services (CMS.gov.). (n.d.). Health insurance terms you should know.
10. National Institute of Mental Health. (2021). Substance use and co-occurring mental disorders.