Florida Blue Insurance Coverage for Drug & Alcohol Rehab Treatment

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Using Florida Blue to Cover Rehab

Substance use is one of the largest public health threats our country currently faces. According to the 2018 National Survey on Drug Use and Health, “An estimated 164.8 million people aged 12 or older in the United States (60.2 percent) were past month substance users. About 2 out of 5 people aged 12 or older (108.9 million, or 39.8 percent) did not use substances in the past month. The 164.8 million past month substance users in 2018 include 139.8 million people who drank alcohol, 58.8 million people who used a tobacco product, and 31.9 million people who used an illicit drug.” During the same year, an estimated 20.3 million people over the age of 12 exhibited the diagnostic criteria of a substance use disorder. 14.8 million Americans suffered from an alcohol use disorder and 8.1 suffered from an illegal drug addiction.

Despite exceedingly high rates of substance misuse and dependence, only 1.4 percent of people who needed treatment sought any degree of professional care.

Why are the rates of people who require addiction treatment so disproportionate in comparison to the rates of people who receive addiction treatment? In many cases, people remain unaware of the extensive resources which are readily available to them. Some believe they cannot afford to cover the cost of treatment, and this misguided belief prevents them from ever reaching out for help. If you or someone you love has been struggling with addiction, Guardian Recovery is available to help. We work with major health insurance providers across the country in order to ensure our services remain accessible. Do not allow a fear of covering treatment costs prevent you from seeking and receiving the help you need. Contact us today to learn more about using Florida Blue Insurance for drug and alcohol rehab coverage.

Does Florida Blue Health Insurance Cover Drug or Alcohol Rehab?

Mental health and substance abuse services are considered essential health benefits. This means major health insurance providers like Florida Blue will likely cover some or all of your drug and alcohol treatment costs. The extent to which Florida Blue covers treatment services depends on several factors, including the rehab treatment provider you are looking into and your personal clinical needs. At Guardian Recovery we accept Florida Blue health insurance coverage, and we are happy to provide a free, no obligation health insurance benefit check whenever necessary.

Florida Blue is a branch of Florida Blue Cross Blue Shield, and was founded nearly 70 years ago on the need for affordable and accessible healthcare in Florida. As a whole, Blue Cross Blue Shield remains dedicated to providing accessible health insurance and adequate treatment options to those who have been struggling with substance use disorders of all types and severities. More information can be found on the BCBS website.

Different Types of Florida Blue Substance Use Treatment

The most appropriate treatment options vary depending on your personal needs and the type of coverage your current provider offers. Florida Blue covers several different types of addiction treatment offered by Guardian Recovery facilities, including medical detox, residential rehab, PHP and IOP. The right level of care for you depends on several factors, though we always recommend beginning your recovery journey with a short stay in a medical detox center. While undergoing a safe and pain-free drug or alcohol withdrawal in detox, the clinical team will develop a personalized aftercare plan which includes an immediate transition into a higher level of care. If you have any additional questions about the different types of substance use treatment covered by Florida Blue, contact us today.

Florida Blue Medical Detox Programs or Facilities

Medical detox programs focus on evaluation, stabilization, and preparing clients for the next step in their personal recovery journeys. Medication assisted treatment (MAT) is often utilized during this stage of the treatment process. Florida Blue typically covers a short stay in a detox center and any MAT services that are necessary.

Florida Blue Inpatient or Residential Treatment Centers

Most people who attend addiction treatment benefit from an extended stay in a residential treatment center, which could last for between one and three months based on personal need. Clients receive around the clock care as they undergo intensive behavioral therapy and learn how to successfully stay sober once they transition back into fully independent living. It is a good idea to look for an inpatient treatment center that caters to your unique needs (for example, a dual diagnosis treatment center if you have a personal history of addiction and mental illness).

Florida Blue Partial Hospitalization Programs (PHP)

Partial hospitalization programming is a small step down from inpatient treatment, the main difference being clients return home in the evenings. Health insurance providers like Florida Blue often cover the majority of costs associated with PHP and IOP, making outpatient treatment options more financially feasible for those who cannot easily cover additional out-of-pocket costs.

Florida Blue Outpatient Programs (IOP)

If you are looking for an effective treatment program which is fully or majoritively covered by Florida Blue, intensive outpatient treatment is likely your best bet. IOP programs meet between three and four days a week for several hours each day, providing clients with the opportunity to work full or part-time, continue with their education, or take care of other responsibilities outside of treatment. Florida Blue and other major health insurance providers often cover some or all of the costs associated with IOP.

In-Network vs Out-of-Network Florida Blue Substance Use Disorder Treatment

When looking into covering treatment costs, it is a good idea to first determine whether the rehab center you are looking into is in-network or out-of-network with Florida Blue. If a treatment center accepts coverage from your current health insurance provider, they are in-network. If you go to a rehab that doesn’t accept your plan, they are out-of-network.

There are pros and cons to each — for example, if you choose an in-network rehab you might have more limited options and amenities, but you will end up paying less out of pocket. If you choose an out-of-network rehab you can choose a rehab anywhere in the country, and you will have access to more services and amenities. However, out of pocket costs might be higher.

How to Check Your Florida Blue Rehab Coverage

There are several ways to check your Florida Blue coverage in the context of drug and alcohol rehab. One of the easiest ways to check if a rehab is in-network is by calling the customer service number located directly on your insurance card. You are also welcome to reach out to Guardian Recovery directly. You will be put in touch with a Treatment Advisor who will check your insurance policy and relay how many of our services are covered either partially or in full.

Finding an Addiction Treatment Center That Is Covered By Florida Blue

How can you find a treatment center that accepts coverage provided by your current health insurance provider? In most cases, determining whether or not a treatment program is covered by Florida Blue is as simple as picking up the phone and asking. The majority of reputable treatment centers across the U.S. offer free, no obligation health insurance benefit checks, which can be completed over the phone in under 10 minutes. All you have to do is provide a Treatment Advisor with your policy number, and they will let you know how much of the program is going to be covered. Because Florida Blue is a major regional health insurance provider, there is a good chance any treatment center located in the state of Florida will provide their services at a significantly reduced rate.

Contact Us Today to Learn More

The majority of people who struggle with drug and alcohol addiction fail to seek any degree of professional treatment. This is often because they believe they cannot cover the cost of treatment. However, because medical detoxresidential inpatient treatment and outpatient treatment options are considered essential healthcare services, the majority of major regional and national providers cover some or all of the associated costs. If you are currently insured through Florida Blue there is a very good chance your current policy will cover some or all of your stay in treatment. Call us today for a free, no obligation insurance benefit check, which can be completed over the phone in just minutes, and see if your insurance policy covers addiction treatment at Guardian Recovery.

The moment you make the decision to reach out for help you will be put in touch with an experienced and compassionate Treatment Advisor who will walk you through our simple admissions process. In addition to providing a free, no obligation health insurance benefit check, we offer a brief addiction assessment to ensure you receive the most appropriate care for your unique case. Once the level of care is determined and we have helped you figure out how to cover the cost of treatment, we arrange local transportation to one of our facilities. We understand reaching out for help can seem overwhelming in and of itself. We are available to walk you through the remainder of the process from start to finish, making the process of receiving the treatment you need as straightforward as possible. Contact us today to begin.

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Reviewed professionally for accuracy by:

Ryan Soave


Ryan Soave brings deep experience as a Licensed Mental Health Counselor, certified trauma therapist, program developer, and research consultant for Huberman Lab at Stanford University Department of Neurobiology. Post-graduation from Wake Forest University, Ryan quickly discovered his acumen for the business world. After almost a decade of successful entrepreneurship and world traveling, he encountered a wave of personal and spiritual challenges; he felt a calling for something more. Ryan returned to school and completed his Master’s Degree in Mental Health Counseling. When he started working with those suffering from addiction and PTSD, he found his passion. He has never looked back.

Written by:

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Cayla Clark

Cayla Clark grew up in Santa Barbara, CA and graduated from UCLA with a degree in playwriting. Since then she has been writing on addiction recovery and psychology full-time, and has found a home as part of the Guardian Recovery team.

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