Blue Cross Blue Shield (BCBS) Rehab Coverage

Last Updated: September 21, 2023

Orlando Recovery Center is an accredited addiction treatment center in Florida that accepts Blue Cross Blue Shield rehab coverage.

There should be as few barriers to addiction treatment as possible. With that in mind, it’s important to point out that insurance often covers a significant portion of rehab costs. This is true for Blue Cross Blue Shield, which we accept at Orlando Recovery Center.

Blue Cross Blue Shield Provider Overview

Blue Cross Blue Shield is among the nation’s largest health insurance companies. It’s estimated that 1/3 of Americans use this company for health insurance coverage. There are dozens of independent companies making up the Blue Cross Blue Shield Association, and each company that’s part of this network provides its insurance plans in certain regions. The Blue Cross Blue Shield Federal Employee Program is also open to employees and retirees working for the federal government.

BCBS Coverage Levels and Plans

Different plans are available through BCBS; each will have coverage levels and out-of-pocket and specific requirements. Blue Cross Blue Shield plans fall into three main categories in most states. 

  • Bronze: These plans cover around 60% of treatment costs with the highest out-of-pocket requirements. 
  • Silver: A silver plan can be expected to provide 70% coverage.
  • Gold: These plans will usually cover 80% of treatment costs
  • Platinum: In some states, platinum plans cover up to 90% of treatment costs, including rehab.

Does BCBS Insurance Cover Drug & Alcohol Rehab?

When the Affordable Care Act passed and became law, it set certain requirements for insurance companies, including Blue Cross Blue Shield. The law requires that substance abuse treatment be covered similarly to medical conditions as an essential health benefit. While it differs depending on your plan, state and needs, the answer is yes, Blue Cross Blue Shield covers rehab for addiction.

Does BCBS Cover Mental Health Services?

Mental health is as important as physical health, and the Affordable Care Act also stipulated that insurers cover mental treatments similarly to other types of care. It’s very common when someone struggles with drug or alcohol addiction that they have a co-occurring mental health condition. That condition needs to be well-treated and managed for them to experience the best outcomes in their recovery. 

BCBS covers many types of mental health services, including specific treatments like dialectical behavioral and cognitive behavioral therapy and EMDR, or eye movement desensitization and reprocessing, aimed at helping you process traumatic memories.

Does BCBS Cover Medication-Assisted Treatment (MAT)?

Medication-assisted treatment integrates certain prescription treatments with therapy and other behavioral approaches for treating addiction. The medicines used as part of MAT have Food and Drug Administration approval and, as a result, are often covered by Blue Cross Blue Shield and other insurance plans.

What Length of Treatment Does BCBS Cover?

Most people who struggle with addiction find the best recovery outcomes stem from participating in a continuum of care. A continuum of care means that rather than going to rehab and being done after a few weeks, you move into progressively less intensive levels of treatment as you’re ready. A continuum of care usually starts with inpatient rehab in a residential, onsite environment. Your stay at an inpatient rehab could be 30, 60 or 90 days, which are typical or could differ depending on your needs. The duration of treatment BCBS will cover depends on your state, plan, needs and the facility where you go for rehab.

Florida Rehab Facility That Accepts Blue Cross Blue Shield Insurance

Orlando Recovery Center is an accredited addiction treatment center that accepts Blue Cross Blue Shield insurance. There are a few ways to learn more about what your insurer will cover for addiction treatment and your out-of-pocket responsibilities. One option is to contact an Orlando Recovery Center Recovery Advocate. You can also complete our insurance verification form or contact Blue Cross Blue Shield directly.The first step toward recovery is one you can take today. Talk to our Recovery Advocates to learn more.


Menon, Sukanya, B. and Jayan, C. “Eye Movement Desensitization and Reprocessing: A Conceptual Framework.” NIH National Library of Medicine, 2010. Accessed July 5, 2023.

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