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Published on March 27, 2023

Understanding Florida’s Insurance Coverage for Alcohol & Drug Treatment (Role of Florida Blue Insurance Coverage)

Substance addiction is like a disease affecting millions of people worldwide every year. It affects the brain and behavior of victims and leads to an inability to control their drug or alcohol intake. It generally starts as a recreational activity and eventually leads to addiction.

Substance addiction can lead to devastating consequences for individuals, communities, and families. Unfortunately, since addiction treatment is often expensive, it can be difficult for most of them to access affordable treatment. This is where insurance coverage comes in.

Insurance plays an essential role in addiction treatment. Most rehab centers consider patients to get health insurance, especially covering addiction treatments, as they can be beneficial in several ways. Not many people can afford the treatment they need at the time of the hour without insurance. In addition, untreated alcohol and drug addiction can have devastating consequences.

Treatment for alcohol and drug addiction can take place in many forms, including mediation, counseling, therapy, inpatient admission, and other forms of treatment, depending on the case severity. However, without the right insurance, patients will not get the ongoing care and support to maintain their recovery, which could lead to a relapse.

Types of insurance coverage for addiction treatment

In 2014, 91% of Americans were under a health insurance policy for addiction treatment, which provided coverage for:

– Inpatient treatments

– Outpatient rehab

– Medical detoxification

– Co-occurring disorders

– Follow-up assistance

At one time, addiction treatment coverage was considered a luxury, unaffordable by individuals with low wages and tight budgets. But in recent times, local and state-level insurance providers like Florida Blue Alcohol & Drug coverage programs helps with different types of addiction treatments at minimal or free cost for Floridians.

Do Rehabs in Florida accept Florida Blue Insurance Coverage for Alcohol & Drug Treatment?

Florida Blue is a state-level version of BCBS, a healthcare insurance provider for alcohol and drug treatments across various rehab centers in and around Florida. Many rehabs, including the luxury WhiteSands Florida Alcohol & Drug Rehab, accept insurance coverage for addicts in dire need of medical help. However, even in such luxury rehab centers, Florida Blue seeks to cover treatment services for all drug and alcohol-related problems. Their coverage includes the following services:

Outpatient Addiction Treatment

Outpatient treatment does not require the patient to reside in the rehabilitation center. Most of these programs are tailored to the patient’s individual needs based on their history, age, health, profession, and other medical conditions. However, most outpatient treatment programs will need patients to come in for visits and access to cognitive behavioral therapy.

Inpatient addiction treatment

Inpatient treatments generally need the patient to stay in the ambiance of the treatment center. Most treatment centers treat these patients like experimental cattle and deprive them of their basic needs by isolating them from friends, family, books, and phones. However, many other treatment centers, like WhiteSands rehab centers, do not take such drastic measures and allow patients to stay in their comfort zone to decrease their agitation. It also includes access to their mobile phones, to connect with family and friends. They take pride in removing the substance causing addiction, instead of their comforting factors.

Most inpatient treatments include detox, counseling, medical care, therapy, and aftercare planning. They also provide them with a non-hospital but residential-like setting with access to recreational activities, good food, and ambiance, which can ease the patient’s mind.

Detox treatment

When the body goes through a treatment where it gets rid of residual substances in the system, it is called detox treatment. Patients are monitored for withdrawal symptoms, bio-medical conditions, and other complications and given timely medication and treatments. Patients undergoing detox treatments are also subjected to therapeutic interventions to make a healthy recovery from their substance addiction.

Since abruptly stopping the intake of a drug can lead to relapse, most experts in detox programs try to reduce the dosage and eventually stop them completely for long-term benefits. Hence, a detox program is necessary for any substance addiction treatment.

Sober living programs

A core part of addiction treatment covered by Florida Blue is how patients return to their normal life after the treatment. In order to prevent a relapse and continue living happily without a possible replacement, sober living programs are generated. It is a mix of independent living along with getting the benefits of addiction treatments.

Alternative treatments

Depending on the type of insurance plan, Florida Blue also covers addiction treatments that do not fall into the western medicine category. This treatment option includes a holistic approach to alternative traditional remedies, significantly reducing substance-addicted patients’ moods and behavior. This treatment option follows a comprehensive and cohesive approach that can be personalized for patients under special cases. It sometimes includes nutrition therapy, meditation, yoga, and much more.

Using Insurance Benefits

Addiction treatment insurance is vital for general health care, which should be designed to make health care more affordable and accessible. However, a great place to start is by addressing an individual’s addiction and substance abuse concerns and seeking the right help.

Insurance coverage for addiction treatment can vary depending on an individual’s specific needs and the insurance plan. However, under the Affordable Care Act (ACA), insurance plans must cover addiction treatment as an essential health benefit. This means all insurance providers must provide coverage for addiction treatment, including behavioral health and medical-assisted treatments.

It is essential to review the specific details of an insurance plan to understand the potential limits and treatment options covered. Government-funded programs and sliding scale fees may also be available for individuals with no or limited insurance coverage.

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