Drug & Alcohol Rehab Covered by Premera Blue Cross

Taking the first step toward addiction recovery is challenging enough without worrying about how you'll pay for treatment. If you have Premera Blue Cross insurance, you may have more coverage options than you realize. This guide explains what Premera Blue Cross typically covers for drug and alcohol treatment—from medical detox and inpatient rehab to outpatient therapy and aftercare—so you can access the care you need without the financial stress.

*This page is intended to be a general overview of how Premera Blue Cross covers addiction and mental health services, not a comprehensive guide on the subject. For specific questions about your Premera Blue Cross policy and coverage, call a Premera Blue Cross representative directly and learn more about paying for rehab.

Premera Blue Cross Overview

Premera Blue Cross is the largest health insurance provider in the Pacific Northwest, serving more than 2 million area residents.¹ Many people who are covered by Premera Blue Cross use their health insurance coverage to pay for drug and alcohol treatment.

In this article, we explain how rehab may be covered by Premera Blue Cross. We also look at the different types of therapies used in addiction treatment and levels of care that may be included in your Premera Blue Cross alcohol or drug rehab coverage.

Does Premera Blue Cross Blue Shield Cover Drug and Alcohol Addiction Treatment?

Premera Blue Cross does offer drug and alcohol addiction treatment coverage.² By speaking with a Premera represtentative, you can learn more about the specifics of your plan, including information about your in-network options, types of therapy that may be covered, what out-of-pocket expenses you might incur, and other important information that you may need regarding your individual plan.

Which Types of Addiction Treatment Does Premera Blue Cross Cover?

Your drug or alcohol addiction treatment may be fully or partially covered by your Premera Blue Cross plan.²

Levels of treatment that may be fully or partially covered by your Premera Blue Cross coverage for addiction include:

• Medical Detox. Medical detox offers medical interventions that can help reduce the withdrawal symptoms you may be experienced as you clear drugs and alcohol from your body.³ This level of care on its own is not considered effective, but can be when combined with other levels of care.³
• Inpatient care. Inpatient addiction treatment can provide you with 24/7 care that involves support, structure, and various evidence-based services. You’ll live at the facility for the duration of your care.^2,3
• Partial hospitalization treatment (PHP). Drug and alcohol PHPs offer the highest level of outpatient care, requiring patients to attend treatment 6 to 8 hours a day, 5 days a week.^2,3
• Intensive outpatient treatment (IOP). Offering a higher level of intensity than standard outpatient treatment, IOPs often require a commitment of attending treatment for 2 to 5 days per week for several months at a time.^2,3
• Outpatient treatment. Outpatient addiction treatment programs can provide you with rehab care during the day, after work, or on the weekends. They require the least amount of time commitment and are ideal for those with mild to moderate substance use disorders.^2,3
• Aftercare. It’s essential to have a plan for continuing support after your formal treatment ends. Aftercare may consist of sober living, therapy, and other options.³ page 5-13 recovery managemen

No matter what level of treatment you choose, you will likely participate in therapeutic modalities to help you on your journey towards sobriety. These can include EMDR therapy, motivational interviewing, cognitive behavioral therapy, group therapy, dialectical behavioral therapy, and more.

How to Use Premera Blue Cross for Addiction Treatment and Rehab

Understanding your Premera Blue Cross coverage for alcohol or drug treatment is often the first step in the recovery process. Here are some ways to get started:

• Log in to your Premera Blue Cross account. Upon signing in, you can access details about your specific plan, such as what your coverage for certain services may be.
• Call Premera directly. There are a variety of numbers you can use to contact certain departments in Premera.. Visit the link to find one that works best for you, or use the number on the back of your insurance card.

Premera Blue Cross Coverage for Co-Occurring Disorder Treatment

Many people who are living with addiction experience an additional mental health disorder. When substance use disorder (SUD) and one or more mental health conditions occur simultaneously, co-occurring disorder treatment is often required.³

Looking for coverage information on other insurers? Read about CBS FEP treatment options or Baylor Scott & White Health addiction treatment coverage.

Ready to Start Your Recovery Journey?

Don't let uncertainty about insurance coverage delay your path to healing. Use our treatment finder to rehabs that take your insurance, and call to speak with a specialist who can verify your benefits and help you take the next step today.