Horizon BCBS Insurance Coverage for Drug & Alcohol Rehab Treatment

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Drug & Alcohol Rehab Coverage
Using Horizon BCBS to Pay for Treatment

Drug and alcohol addiction is one of the nation’s most significant public health threats. Addiction destroys millions of lives on an annual basis; devastating individuals, families and communities, harshly impacting overall quality of life, and often leading to preventable death. According to the 2018 National Survey on Drug Use and Health, roughly 20.3 million people over the age of 12 suffer from a diagnosable substance use disorder. Despite exceedingly high rates of addiction, only 1.4 percent of those who needed treatment received any type of professional care in the past year. What prevents people from seeking the help they need? In many cases, the answer is simple — a fear of covering treatment costs. Most people who struggle with addiction write off addiction treatment as an intangible ideal, assuming they will be incapable of covering associated costs because active addiction left them in a place of financial ruin.

At Guardian Recovery we understand how overwhelming it can be to figure out how to pay for treatment, especially after struggling with a devastating substance use disorder for months or years. The last thing you want to do is sift through paperwork or spend hours on hold waiting to be connected to an insurance agent. We work directly with most major regional and national health insurance providers, and we offer free, no obligation insurance benefit check to those in need. Benefit checks are simple, straightforward and can be completed over the phone in under 10 minutes. At Guardian Recovery we remain dedicated to providing effective and accessible drug and alcohol treatment. Our main priority is ensuring you or your loved one receives the help they need as efficiently as possible regardless of current financial standing. Contact us today to learn more about covering drug and alcohol rehab with Horizon Blue Cross Blue Shield.

Does Horizon BCBS Health Insurance Cover Drug or Alcohol Rehab?

Blue Cross Blue Shield has been helping individuals and families access quality healthcare services since 1929. As a major health insurance provider, Horizon BCBS covers mental health and behavioral health services under the Affordable Care Act, or ACA. The ACA was passed into law under the Obama Administration in 2010, and mandates addiction treatment is treated the same by insurance providers as other essential healthcare services. Additionally, the ACA expands available treatment options to those who are currently insured through Medicaid or Medicare. If you or your loved one is insured through Horizon BCBS or any other policy, there are undeniably numerous addiction treatment programs which are in-network with your current provider. Contact us today to learn more.

Different Types of Horizon BCBS Substance Abuse Treatment

The most appropriate treatment options vary depending on your personal needs and the type of coverage your current provider offers. Horizon BCBS 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 Horizon BCBS, contact us today.

Horizon BCBS 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. Horizon BCBS typically covers a short stay in a detox center and any MAT services that are necessary.

Horizon BCBS 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).

Horizon BCBS Partial Hospitalization Programs (PHP)

Partial hospitalization is a small step down from residential inpatient treatment. The biggest difference is clients are able to return home in the evenings. The intensity of the program is similar, and PHP tends to be an ideal option for those who are looking for an option which is slightly more affordable and flexible than inpatient rehab. The cost of PHP programs also tends to be lower. Horizon BCBS typically covers the therapeutic care and medication assisted treatment options offered through PHP programs for an extended period of time.

Horizon BCBS Outpatient Programs (IOP)

If you are looking for an effective treatment program which is fully or majoritively covered by Horizon BCBS, 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. Horizon BCBS and other major health insurance providers often cover some or all of the costs associated with IOP.

In-Network vs Out-of-Network Horizon BCBS 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 Horizon BCBS. 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 Horizon BCBS Rehab Coverage

If you are currently insured through Horizon BCBS and you are interested in drug and alcohol addiction treatment, you will need to check your current coverage to see how many services are covered. There are several ways to check your Horizon BCBS 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 Horizon BCBS

In most cases, finding an addiction treatment center that accepts Horizon BCBS coverage is as straightforward as picking up the phone and asking a Treatment Advisor for more information. At Guardian Recovery we have developed an admissions process that is simple, straightforward and includes a thorough examination of all potential coverage options. In some cases, utilizing health insurance might not be the most cost-effective choice. We help you determine which option is the best fit for you, ensuring you have quick access to the addiction treatment services you need. In addition to contacting us directly, if you are interested in learning whether or not a specific program is in-network with your provider you can also call the number located directly on your insurance card.

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 Horizon BCBS 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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