BCI is one of the many health insurance providers that we work with here at Ashwood. This company ensures that every member has access to professional addiction treatment.
According to the National Institute on Drug Abuse, more than 70,000 Americans died of a drug overdose during 2017. Oftentimes, addicts avoid seeking help because they don’t have the resources to pay for treatment.
That’s why healthcare providers like Blue Cross of Idaho include drug detox and rehab in their coverage plans. This company works tirelessly to make sure that all members can get help if they need it.
Do you have a BCI health insurance plan? If so, you may have access to free or low-cost drug rehab. Whether you struggle with drug addiction, alcoholism, or another substance use disorder, we can help you find support!
Blue Cross of Idaho is a health insurance company that provides coverage for Idaho residents. In fact, it’s the Gem State’s largest health provider, insuring more than 550,000 members across the region.
If you live or work in Idaho, you have access to this plan. They offer several different plans, each designed for specific types of clients. These plans include an Individual & Family Plan for private subscribers as well as an Employer Group Plan for businesses and their employees.
The company also offers some options for Medicaid and Medicare subscribers.
BCI is committed to helping every member live a healthy life. They cover treatment for a wide range of physical and mental health conditions, including drug addiction and alcoholism.
That’s why Ashwood Recovery is one of Blue Cross of Idaho’s in-network providers. Together, both organizations work to provide low-cost treatment for conditions such as:
If a drug or alcohol habit is taking a toll on your life, BCI will cover all or part of the cost of treatment at Ashwood. They also cover treatment for behavioral conditions like eating disorders and gambling addiction.
Verify your insurance plan with us to find out what your coverage includes.
Every healthcare provider maintains a network of treatment facilities that they work with. Insurance subscribers have access to their provider’s network.
For example, if an addict subscribes to a Blue Cross of Idaho insurance plan, they can seek treatment at any of the facilities in the company’s network. These facilities are called “in-network” providers.
Ashwood Recovery, for example, is an in-network provider with BCI. Their members pay a yearly premium to have access to treatment at Ashwood. If they are struggling with addiction and decide it’s time to get sober, they’re able to seek help at our facility.
If you subscribe to any of the plans listed above, you may be able to attend drug rehab for free (or at least very little money)!
BCI insurance works similarly to other plans. Subscribers enroll in a plan and elect their coverage. They pay a yearly or monthly premium. When they need medical attention, they attend an in-network treatment program and BCI covers some (or all) of the cost.
For example, if a BCI subscriber wants to attend alcohol detox, they simply find a provider in the network. Then, they check into the facility and receive treatment. They’ll give their insurance info to a representative at the detox facility. The facility and BCI will handle the rest!
If a BCI customer wants to attend detox or rehab, they have to go through a specific series of steps.
The process looks like this:
In most cases, addiction treatment requires prior authorization from a doctor. In other words, a doctor must recommend detox or rehab for BCI to cover the cost.
So, you must start by scheduling a meeting with your primary care physician. Let them know that you’re struggling with addiction and that you want to get help. They’ll authorize you to attend a treatment program.
Depending on your circumstances, your doctor may recommend an inpatient or outpatient program. They may let you make this decision yourself.
Your doctor might also recommend a specific treatment facility. If you have one in mind that you want to attend, let them know. They’ll refer you to the facility that they think will provide the best care for your particular condition.
If a doctor doesn’t refer you to a specific treatment center, it’s up to you and your healthcare provider to choose one. You can browse through the Blue Cross of Idaho provider catalog, or call customer service to get a recommendation.
Some of the best rehab centers in Idaho are in the BCI network. So, you should have no trouble finding a good one.
Once you choose a treatment facility, you’re free to enroll in the program. You can check in immediately, or schedule a check-in time for a later date.
You may have to verify your insurance information with a representative of the treatment center before they’ll admit you. The rehab center will call your insurance provider to verify that treatment is covered in your plan.
Then, you’re ready to start your recovery journey!
We can expedite the referral process.
Verify your insurance to get started!
The cost of insurance varies depending on your needs and income. If you elect and Individual/Family plan, for example, you’ll pay a different amount than someone who enrolls through their employer. Members who enroll through Medicare or Medicaid may have access to free insurance coverage.
With every plan, however, you’re responsible for three payments. In case you’re unfamiliar with these payments, we’ll define them below.
The deductible is the amount you pay every year for insurance coverage. You might pay for it in one lump sum. Or, you might make monthly payments.
The deductible varies, depending on your medical plan. Individuals who subscribe to Blue Cross of Idaho’s Bronze Plan, for example, pay a deductible between $5,500 and $7,900 for coverage. Those who enroll in a Gold Plan, on the other hand, pay between $2,500 and $5,500.
The exact price is determined by the amount of coverage the subscriber elects. The less expensive a plan, the less coverage the subscriber receives.
Insurance doesn’t always entitle the subscriber to free treatment. In many cases, the subscriber is required to pay a certain percentage of the bill. This percentage is known as “coinsurance".
Every service and procedure is assigned a particular coinsurance rate. For example, you may have to pay 10% for intensive outpatient treatment. The exact amount varies depending on your insurance plan. More expensive plans usually come with lower coinsurance rates.
The copayment is the amount you have to pay directly to the doctor’s office, hospital, or pharmacy. This amount is usually relatively small. For example, you may have to pay $5, $10, or $20 to pick up your medication from the drug store.
Copayments are determined by your healthcare plan. Blue Cross of Idaho has varying copayment requirements for each of the plans they offer. With a Bronze Plan, for example, subscribers must pay a $10 fee for generic prescriptions, and a $55 fee for primary care visits.
Unfortunately, many addicts don’t have access to health insurance. This often prevents them from seeking treatment. According to the National Council for Behavioral Health, only 11% of drug addicts and alcoholics get professional treatment. Many people avoid finding help because they’re worried about the cost.
It’s true, rehab can be expensive. The cost of addiction treatment varies from place to place, but it can cost several thousand dollars.
But, it doesn’t have to be costly. Detox and rehab don’t have to put you in debt.
Even if you don’t have insurance, there are many free addiction resources available.
At Ashwood Recovery, we believe that every addict should have access to the support they need. That’s why we offer payment plans and other options to help people get sober. We’ll treat you today, and you can pay us back later!
Call us today to learn more about our payment options!
Many people try to quit drinking or doing drugs at home by themselves. This approach works for some folks. However, it doesn’t work for everyone.
Going cold turkey can often make the situation worse. After all, when an addict tries to stop using, they often experience severe withdrawal symptoms. These symptoms can be very uncomfortable (and very dangerous). Often, addicts aren’t able to make it through a cold-turkey detox without relapsing.
So, if you’re ready to get sober, we recommend that you get in touch with a local addiction treatment center. Your BCI insurance will help you pay for detox and rehab, so there’s no excuse not to!
In rehab, you’ll have access to doctors who understand the withdrawal process. These doctors will develop a customized detox plan to help you withdraw as comfortably as possible.
Detox is usually a safe process, even if you do it at home by yourself. However, some forms of withdrawal can be dangerous (or even fatal). In a professional detox program, doctors will monitor your progress to ensure that you’re 100% safe.
If you try to detox at home, you’re at a high risk of relapsing. After all, what’s going to stop you from picking up a bottle of booze or calling your dealer when the withdrawal symptoms kick in?
Professional treatment is the only way to ensure that you avoid relapse throughout the process.
Drug addiction can make you feel isolated. In a professional treatment center, you’ll live with other recovering addicts who are going through the same process as you. It’s helpful to see that you’re not alone. Other people are rooting for your success.
Mental illness makes it particularly hard to quit drugs. If you struggle with a condition like anxiety or PTSD, you may have extra difficulty in getting sober.
But, many rehab programs specialize in treating co-occurring disorders. In these programs, you’ll have access to acclaimed doctors and therapists who can treat both of your conditions at the same time.
Blue Cross of Idaho makes it easy to get the professional help you need. Whether you want to attend drug detox, addiction rehab, or both, they’ve got you covered. All BCI subscribers have access to free or discounted treatment at Ashwood Recovery and other state-of-the-art addiction centers.
If you’re ready to start your recovery journey, contact us today. A staff member will assess your situation and figure out whether we are the right facility for you. Then, we’ll get on the phone with Blue Cross and help you get into rehab as soon as possible!