Independence BCBS Healthcare for Addiction Treatment
Guardian’s Intensive Outpatient Programs (IOP) in Delray Beach offers comprehensive gender-specific and age-specific treatment programs for adults recovering from substance abuse. Programming and structure are similar to that of residential treatment facilities, yet clients have the added benefit of being able to return to their home each evening.
Absent room and boarding expenses, and with the ability to continue with work obligations, Intensive Outpatient Programs may be a less expensive option than residential treatment for some. Nonetheless, Guardian IOP understands that financial responsibility is still of utmost concern, which is why we work with the nation’s top insurance providers, including Independence BCBS, to reduce your out-of-pocket expense.
For assistance clarifying your coverage and payment options, please contact a Guardian IOP Recovery Specialist. We’ll help you understand your specific insurance benefits and determine if an Intensive Outpatient Program is right for you. Guardian IOP and Independence BCBS will, together, ensure an affordable, stress-free recovery plan. Cost should never be a barrier to life-changing treatment.
Your Independence BCBS plan includes mental and behavioral health as an essential health benefit. Through this benefit, you have access to substance abuse recovery programs and mental health care such as individual therapy, family therapy, cognitive behavioral therapy and dialectical behavioral therapy, as well as relapse prevention training. As an essential health benefit, there is no annual or lifetime spending limit on recovery services, and your deductible and copayments with Guardian IOP are the same as for any other medical service.
Independence BCBS insures eight million Americans and provides access to close to 200 hospitals and 46,00 health care providers. Together with the Independence BCBS Foundation, the company has long been at the forefront of progress in the fight against addiction. The Foundation has been working to raise addiction awareness through the “Someone You Know” and the “STOP” campaigns and seeks to reduce stigma associated with treatment to encourage members to seek help. Independence BCBS classifies addiction as a disease and relies on partnerships with centers such as Guardian IOP to provide members with long-term care.
The limits of your specific coverage depend on several factors including the state in which your Independence BCBS plan originated. If your plan is a Health Maintenance Organization (HMO), your benefits may be maximized when you visit an in-network provider. If your plan is a Preferred Provider Organization (PPO), or Exclusive Provider Organization (EPO), it may not matter which care facility you choose. Independence BCBS also provides plans for those on Medicare and Medicaid.
Regardless of your plan type, you will also have a deductible (the amount you must pay before your insurance takes effect) and a copayment (a one-time fee for any particular service). Some Intensive Outpatient Program services may require pre-authorization by Independence BCBS. These requirements vary for each individual, and a Recovery Specialist at Guardian IOP can help you understand the benefits and pre-approval requirements specific to your plan.
To determine your exact benefits, and if your individualized treatment plan will require pre-approval, contact us online or call a guardian IOP Recovery Specialist today at (877) 412-9068. With a brief 20-minute phone conversation, we can help you understand your Independence BCBS benefits and determine if our Intensive Outpatient Program is right for you.