Calusa Recovery

Does Florida Blue Cover Alcohol and Drug Rehab?

Overview of Florida Blue Insurance

A Florida Blue insurance plan, like all plans following the 2009 Affordable Care Act, must provide some level of insurance coverage. When seeking addiction treatment, you have enough on your mind without researching whether you’re in network with your insurance provider. We’ve pulled together all the information you need to know about your Florida Blue plan and addiction treatment programs.

Formerly known as Blue Cross Blue Shield of Florida, this insurance company operates in all 50 states with over 106 million members.


Preferred Provider Organization

PPO insurance coverage offers a specific level of coverage for in-network and out-of-network health care providers. That said, you’ll always get the best deal by opting for an in-network facility.

Health Maintenance Organization

With a HMO insurance plan, you’ll need to find in-network facilities and choose the one you like best. In-network means the insurance and rehab facility have a contract and clients can only access coverage for addiction services from treatment facilities with such a contract in place.

Point of Service

A POS plan is flexible in the same way a PPO plan is, so you can access some level of coverage from out-of-network facilities. However, like an HMO plan, you usually need to get a referral from your primary care doctor before getting approved by your insurance provider.

Florida Blue insurance operates using a tiered system:

  • Bronze: While this is the cheapest monthly Florida Blue option, it comes with the highest deductibles, covering 60% of medical costs.
  • Silver: The Silver plan has slightly higher monthly payments than Bronze, but deductibles are a little lower, covering 70% of medical costs.
  • Gold: As the second most expensive monthly plan, Gold has lower deductibles than Bronze and Silver, covering approximately 80% of medical costs.
  • Platinum: Opting for the Platinum plan means the highest monthly payments but comes with the lowest deductibles of all plans, covering around 90% of medical costs.

Per the Affordable Care Act of 2009, all small group and individual policies must offer at least some coverage for 10 essential health care services. Addiction treatment and mental health services are covered by the act, but the details depend on your individual Florida Blue plan. Some might offer full coverage, while others only provide specific addiction treatment services.

While sober living is an essential component of drug and alcohol addiction treatment for many people, it’s not usually covered by insurance. These facilities serve as the ideal safe space for someone whose home environment isn’t conducive to recovery, as a transition from rehab to normal life and to help people regain their independence. They aren’t mental health care or rehab facilities, however, so the ACA doesn’t apply.

The various Florida Blue plans might offer coverage for outpatient treatment in some instances. Pretty much all insurance providers offer a certain level of coverage for a standard outpatient program, but you might need to make sure the facility you choose works with your provider.

We’ll discuss the different types of treatment available at an outpatient treatment center at the end of this article.

If you’re looking to spend the least money, find an addiction treatment provider that’s in-network with your insurance provider. Being in-network means the provider and the health care center have an agreement in place to work together. In return for better rates for an insurance company’s members, the company refers its clients to specific facilities.

You might be able to access treatment from an out-of-network insurance provider, but you can expect to pay more out of pocket expenses.

Florida Blue covers a range of mental health conditions:

  • Depression
  • Anxiety
  • Bipolar
  • ADHD
  • Schizophrenia
  • PTSD
  • OCD
  • Eating disorders

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What Happens During Outpatient Drug Rehab Programs?

Outpatient rehab involves spending the day at rehab and having evenings and weekends free for yourself. There are different levels of outpatient care that help people with varying needs. Whichever type of program you choose, you can expect to take part in the following.

Individual Therapy

Individual counseling is essential for the addiction recovery process. It works on a number of levels, helping clients understand themselves and their motivations for using, identifying unhelpful thinking patterns and unhelpful beliefs about yourself and helping you develop coping mechanisms and develop healthier thought patterns.

When choosing addiction treatment services, be sure to check the qualifications of the team at the facility. Make sure therapists have the relevant qualifications, and ideally look for ones that feature counselors with master’s degrees, PhDs and professional certifications related to mental health services.

Group Therapy

Group therapy is just as important as one-on-one counseling when it comes to substance abuse treatment. It provides a unique opportunity to learn about addiction firsthand through the experience and perspective of different people. Addiction is a highly complex disease, and the better you understand the impact it has, the stronger you’ll be in your resolve to get clean.

What’s more, group sessions let you share your own story with your peers and feel the relief and clarity that can come with speaking about your issues out loud. Hearing about other people’s stories helps you build your empathy skills, which is an important aspect of the recovery process for many people.

Experimental Therapy

While evidence-based therapy forms the foundation of rehab, it shouldn’t be all work and no play. Experiential therapy involves going on adventures, spending time outdoors and moving your body in a way that feels good. A substance use disorder can suck the joy from activities and hobbies you once enjoyed, and adventure therapy can help you rediscover your passions.

Family Therapy

Addiction rarely affects only one person. Its effects ripple through families and have an impact on society as a whole. Family therapy helps to ensure you and your loved ones are on the same page and provides a safe, supervised space to work through issues. What’s more, the disease is widely misunderstood, which can negatively impact recovery.

Educating your family about how to support you throughout recovery can be life-changing for everyone involved and strengthen your bond as you heal together.

Does Calusa Recovery Accept Your Health Insurance Provider?

If you have any questions about insurance and addiction treatment at Calusa Recovery, call us today at 866-939-6292. Our friendly advisers are happy to offer advice or help you verify coverage.

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Individualized Care
Family Programming
Adventure-Based Therapies

Most Private Health Insurance Will Help Pay for Treatment.

Calusa Recovery does not accept Medicare or Medicaid as payment for substance abuse treatment.

Let us handle the details so you can focus on the help you need.