How Horizon BCBS Covers Outpatient Drug and Alcohol Rehab in New Jersey

Horizon BCBS will often cover a portion of drug and alcohol rehab at Rubicon Recovery Center. However, the level of coverage depends on the individual plan and benefits.

If you’re seeking outpatient drug and alcohol rehab near you in New Jersey, you may be wondering if insurance will cover the cost. Many people in New Jersey have Horizon Blue Cross Blue Shield insurance and want to know about their coverage for rehab. At Rubicon Recovery Center, we provide evidence-based outpatient rehab programs for substance use disorders (SUDs), and we accept many major insurance providers, including Horizon BCBS. Learn more about Horizon BCBS and its rehab coverage to stay informed.

Key Takeaways

• Horizon Blue Cross Blue Shield (BCBS) is the largest health insurer in New Jersey. It often covers some of the treatment costs for addiction services such as detox, outpatient treatment, and dual diagnosis care.
• The out-of-pocket costs you can expect with Horizon BCBS will depend on your specific plan, but they include deductibles, copays, and coinsurance.
• Rubicon Recovery Center provides outpatient drug and alcohol rehab programs near you in New Jersey, and we accept Horizon BCBS.

What Does Horizon BCBS Typically Cover for Addiction Treatment?

Horizon Blue Cross Blue Shield (BCBS) of New Jersey is New Jersey’s oldest and largest health insurer. It serves over 3 million members and is an independent licensee of the Blue Cross and Blue Shield Association. Whether Horizon BCBS will cover your addiction treatment will depend on which plan you have and its benefits.

However, federal mental health parity laws and the Affordable Care Act (ACA) mandate that health insurance providers cover mental health and substance use conditions at the same level as physical health conditions. Therefore, Horizon BCBS may cover some or all of the following services:

Medical Detox Placement

Medically supervised detox is often the first step of addiction treatment to help people safely wean off substances and manage the side effects of withdrawal under the supervision of a medical team.

Partial Hospitalization Programs (PHP)

Partial hospitalization programs (PHP) are intensive outpatient addiction treatment programs that typically run for six hours a day, five to six days a week.

Intensive Outpatient Programs (IOP)

Intensive outpatient programs (IOP) are mid-level outpatient addiction treatment programs that serve as a middle ground between PHPs and Outpatient programs. They generally have sessions three hours a day, for three to five days a week.

Outpatient Programs (OP)

Outpatient programs (OP) are the lowest-level programs before weekly therapy. They typically run for two to three days per week with an hour-long session each day.

Dual Diagnosis Care

Dual diagnosis care involves treating people with co-occurring SUDs and mental health disorders. It requires integrated treatment to address all aspects of each condition.

Although these services will likely be covered at least partially with Horizon BCBS, you’ll need to confirm by reviewing your coverage and seeing what is and isn’t covered.

How Can I Verify My Horizon BCBS Coverage at Rubicon Recovery Center?

To verify your Horizon BCBS coverage at Rubicon Recovery Center, you can get a free insurance verification through our Admissions Department. Simply tell us your member ID, and we will quickly determine your coverage and potential out-of-pocket costs. To get started, email us at admissions@rubiconrc.com, fill out our web form, or call (908)-274-0015 to speak confidentially with a professional who can explain your benefits.

What Do Out-of-Pocket Costs Look Like with Horizon BCBS?

The out-of-pocket costs you can expect with Horizon BCBS will depend on your individual policy, including your plan tier, network tier, and whether you use in-network providers and services. However, you can expect to pay for:

• Deductibles, which are the amount you pay for covered medical services every year before the insurance starts paying
• Copayments, which are flat fees you pay for certain services at the time of care
• Coinsurance, which is your percentage of the costs you must pay for a covered medical service

Horizon BCBS also has out-of-pocket maximum limits. Once you reach this limit, Horizon BCBS will pay for 100% of the covered treatments and services.

Explore Drug and Alcohol Rehab Near You in New Jersey

If you have Horizon BCBS and need high-quality drug and alcohol rehab near you in New Jersey, trust Rubicon Recovery Center. We accept most major insurance providers, including Horizon BCBS, and we offer convenient insurance verification, where we’ll confirm your insurance coverage in under 60 seconds. We will also help handle your insurance claims, helping make the process as simple and stress-free as possible. To learn more about Horizon BCBS rehab costs and insurance coverage, call (908)-274-0015 for confidential help or contact us online today.

Frequently Asked Questions About Horizon BCBS Rehab Coverage

Does Rubicon Recovery Center accept Horizon BCBS?

Yes, we accept Horizon Blue Cross Blue Shield, as well as several other major insurance providers.

Does Horizon BCBS cover outpatient rehab in New Jersey?

Horizon BCBS often covers some portion of outpatient rehab in NJ, but the extent will depend on your specific plan.

Does Horizon BCBS cover IOP and PHP at Rubicon Recovery Center?

IOP and PHP at Rubicon Recovery Center are often covered at least partially by Horizon BCBS, but it will vary based on your exact plan.

How do I verify my Horizon BCBS benefits?

To verify your Horizon BCBS benefits, contact the Admissions Department at Rubicon Recovery Center for a free insurance verification by filling out our web form or calling (908)-274-0015.

What out-of-pocket cost should I expect with Horizon BCBS?

The out-of-pocket costs you can expect with Horizon BCBS will depend entirely on your plan. However, they include deductibles, copays, and coinsurance.

Does Horizon BCBS cover dual diagnosis treatment?

Horizon BCBS often covers some or all of dual diagnosis treatment, as federal laws and the ACA mandate that mental health conditions are treated on par with physical health conditions.

What other insurance providers does Rubicon Recovery Center accept besides Horizon BCBS?

At Rubicon Recovery Center, we also accept other major insurance providers along with Horizon BCBS, including Aetna, Anthem, Cigna, Meritain Health, UnitedHealthcare, and more.