Horizon BCBS of New Jersey Health Insurance
Using Insurance for Drug & Alcohol Rehab
Substance use is one of the largest public health threats our country currently faces. According to the 2018 National Survey on Drug Use and Health, “An estimated 164.8 million people aged 12 or older in the United States (60.2 percent) were past month substance users. About 2 out of 5 people aged 12 or older (108.9 million, or 39.8 percent) did not use substances in the past month. The 164.8 million past month substance users in 2018 include 139.8 million people who drank alcohol, 58.8 million people who used a tobacco product, and 31.9 million people who used an illicit drug.” During the same year, an estimated 20.3 million people over the age of 12 exhibited the diagnostic criteria of a substance use disorder. 14.8 million Americans suffered from an alcohol use disorder and 8.1 suffered from an illegal drug addiction.
Despite exceedingly high rates of substance misuse and dependence, only 1.4 percent of people who needed treatment sought any degree of professional care.
Why are the rates of people who require addiction treatment so disproportionate in comparison to the rates of people who receive addiction treatment? In many cases, people remain unaware of the extensive resources which are readily available to them. Some believe they cannot afford to cover the cost of treatment, and this misguided belief prevents them from ever reaching out for help. If you or someone you love has been struggling with addiction, Princeton Detox & Recovery Center is available to help. We work with major health insurance providers in New Jersey and across the country in order to ensure our services remain accessible. Do not allow a fear of covering treatment costs prevent you from seeking and receiving the help you need. Contact us today to learn more about using Horizon BCBS of New Jersey Insurance for drug and alcohol rehab coverage.
Does Horizon BCBS of NJ Health Insurance Cover Drug or Alcohol Rehab?
Since 1932, Horizon Blue Cross Blue Shield of New Jersey has been providing affordable and comprehensive health insurance to individuals, families and businesses throughout the state of New Jersey. Their website states, “The diversity of our employee population is reflective of the rich diversity of our great state of New Jersey. Throughout our long and proud history of serving the people of New Jersey, one thing is evident—our employees truly care about our communities and our members.” In accordance with the 2010 Affordable Care Act, Horizon BCBS of New Jersey is committed to making behavioral healthcare services as accessible as possible, working directly with detox and addiction treatment centers throughout the state.
Does Horizon BCBS of NJ cover the cost of drug and alcohol rehab? The answer depends on several factors, including what level of care you choose and how long you stay in treatment. It also depends on whether or not the treatment center is in-network with the insurance provider. At Princeton Detox & Recovery we work directly with most major regional health insurance providers in New Jersey, including Horizon BCBS of NJ.
Different Types of Horizon BCBS of NJ Substance Abuse Treatment
Horizon BCBS covers several levels of clinical care. The best level of care for you depends on your personal needs, though we recommend beginning every journey of recovery with a short stay in an inpatient detox center. Our detox center works directly with major regional and national health insurance providers, and if you are interested in transitioning into a higher level of care once you have been physically stabilized, we will help you find a treatment center which accepts Horizon BCBS of New Jersey.
Horizon BCBS of NJ Medical Detox Programs or Facilities
Medical detox is an important part of most addiction treatment programs, regardless of the severity of the substance use disorder. Detox centers provide clients with a safe, comfortable and medically monitored environment in which to undergo drug and/or alcohol withdrawal. If you choose a private detox center in New Jersey like Princeton Detox & Recovery Center, there is a good chance some (or all) of the provided detox services are covered either partially or in full by Horizon BCBS of New Jersey.
Horizon BCBS of NJ Inpatient or Residential Treatment Centers
We recommend following up a short stay in a medical detox center with an immediate transition into a residential inpatient treatment center. In residential treatment you will undergo full days of intensive behavioral therapy, holistic treatment methods and a range of additional treatment services. You will work through the physical, mental and emotional consequences of active addiction as you learn to stand on your own two feet and successfully avoid relapse. Most major regional and national health insurance policies cover some or all of the services provided by inpatient rehab for between 30 and 90 days. The duration of rehab depends on your personal needs.
Horizon BCBS of NJ Partial Hospitalization Programs (PHP)
Partial hospitalization is a small step down from residential inpatient, the main difference being clients can return home in the evenings. Because clients have access to fewer amenities and do not require around the clock supervision, costs associated with PHP are generally lower and more comprehensively covered by insurance providers like Horizon BCBS of NJ.
Horizon BCBS of NJ Outpatient Programs (IOP)
Outpatient treatment provides the most flexible level of care and the highest amount of freedom, and is an ideal option for those who need to continue working, continue with their education or take care of personal responsibilities outside of treatment (like caring for a dependent). Insurance providers like Horizon BCBS of NJ tend to cover most of the costs associated with IOP, making this level of care an ideal option for those who are insured and cannot afford to pay additional out-of-pocket costs.
Coverage Options Made Simple
In-Network vs Out-of-Network Horizon BCBS of NJ Substance Use Disorder Treatment
If you are utilizing health insurance to cover the cost of rehab, it is a good idea to determine whether the rehab is in-network or out-of-network. If a healthcare provider is in-network, it means they meet a set of credentialing requirements and have agreed to provide their services at a discounted rate. If a treatment center is not in contract with a health insurance provider, they are considered out-of-network.
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Out-of-network treatment centers can charge you full price for their services, but you have access to a greater range of addiction treatment options. If you are looking for the most cost-effective option, we recommend finding a rehab center which is in-network with your current provider. Princeton Detox & Recovery Center is in-network with Horizon BCBS of NJ, meaning the majority of the services we provide are covered partially or in full by this specific provider.
How to Check Your Horizon BCBS of NJ Rehab Coverage
If you are currently insured through Horizon BCBS of NJ and you are interested in drug and alcohol addiction treatment, you will need to check your current coverage to see how many of the associated costs are going to be taken care of. There are several ways to check your Horizon BCBS of NJ coverage in the context of drug and alcohol rehab. One of the easiest ways to check if a rehab is in-network is by calling the customer service number located directly on your insurance card. You are also welcome to reach out to Princeton Detox & Recovery Center directly. You will be put in touch with a Treatment Advisor who will check your insurance policy and relay how many of our services are covered either partially or in full.
Finding an Addiction Treatment Center That Is Covered By Horizon BCBS of NJ
Finding an addiction treatment center that is covered by Horizon BCBS of NJ is as simple as picking up the phone and asking for a health insurance benefit check. It is important to first narrow down your search, finding a treatment center that best caters to your unique individual needs. First of all, we recommend deciding which level of care is right for you. If you have been misusing alcohol or drugs for any period of time and you are serious about getting and staying sober, we recommend beginning with a short stay in an inpatient detox center. In detox you will undergo a safe and pain-free drug or alcohol withdrawal under the close supervision of a team of medical professionals. Because withdrawal can be extremely uncomfortable when left untreated, many people who attempt to detox on their own return to substance use before the withdrawal process concludes. We utilize a range of evidence-based detox methods while actively preparing our clients to take the next step on their personal recovery journeys.
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Contact Us Today to Start Our Simple Admissions Process
The majority of people who struggle with drug and alcohol addiction fail to seek any degree of professional treatment. This is often because they believe they cannot cover the cost of treatment. However, because medical detox, residential inpatient treatment and outpatient treatment options are considered essential healthcare services, the majority of major regional and national providers cover some or all of the associated costs. If you are currently insured through Horizon BCBS of New Jersey there is a very good chance your current policy will cover some or all of your stay in treatment. Call us today for a free, no obligation insurance benefit check, which can be completed over the phone in just minutes, and see if your insurance policy covers addiction treatment at Princeton Detox & Recovery Center.
The moment you make the decision to reach out for help you will be put in touch with an experienced and compassionate Treatment Advisor who will walk you through our simple admissions process. In addition to providing a free, no obligation health insurance benefit check, we offer a brief addiction assessment to ensure you receive the most appropriate care for your unique case. Once the level of care is determined and we have helped you figure out how to cover the cost of treatment, we arrange local transportation to one of our detox centers. We understand reaching out for help can seem overwhelming in and of itself. We are available to walk you through the remainder of the process from start to finish, making the process of receiving the treatment you need as straightforward as possible. Contact us today to begin.
