Horizon BlueCross BlueShield, often abbreviated to Horizon BCBS, is a premier New Jersey insurance carrier that provides coverage to residents throughout the state. Horizon BlueCross rehab services are available for a vast network of substance abuse and mental health treatment providers.

BCBS plans cover at least part of the cost of inpatient or outpatient treatment, reducing expenses for plan members and widening access to therapy. 

If you’re searching for Horizon recovery programs, call Gratitude Lodge today for assistance with finding insurance-covered treatment. 

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About Horizon Blue Cross Blue Shield (BCBS)

Horizon BlueCross BlueShield was founded in 1932 and has become the leading health insurer in New Jersey [1]. Residents of the Garden State can access a range of healthcare solutions through BCBS’s extensive network of providers, including treatment for addiction and mental health issues.

Horizon BCBS offers a range of plans, including:

• Individual plans.
• Family plans.
• Medicare Advantage plans.
• Medicaid managed care.
• Employer-sponsored Horizon BlueCross rehab coverage.

BCBS members can utilize their health insurance to engage in evidence-based treatment programs for substance use disorders, mental health disorders, and co-occurring disorders [2].

What is Horizon Blue Cross Blue Shield Drug & Alcohol Addiction Treatment Coverage?

Horizon BlueCross rehab coverage includes treatment for both drug and alcohol addictions in line with federal healthcare guidelines. The ACA (Affordable Care Act) and MHPAEA (Mental Health Parity and Addiction Equity Act) mandate health insurance providers to cover substance abuse and mental health treatment as essential health benefits [3].

Horizon Blue Cross rehab coverage benefits typically include medically necessary treatment, such as:

• Supervised medical detox.
• Inpatient treatment programs.
• Outpatient treatment programs.
• IOP (intensive outpatient program).
• PHP (partial hospitalization program).
• Medication-assisted treatment.
• Education services.
• Family therapy.
• Aftercare support.

BlueCross BlueShield’s substance abuse coverage varies according to the type of plan. Insurance kicks in after the deductible is satisfied. After you hit the deductible, you will be responsible for co-payments or co-insurance, subject to annual maximums for out-of-pocket expenses.

Do Horizon Blue Cross Blue Shield Plans Cover Addiction Treatment Programs Near Me?

Many rehabs accept BCBS in the Horizon network throughout the state of New Jersey and beyond. BCBS providers include drug and alcohol rehabs that specialize in serving different populations and offering various evidence-based therapies.

 Find Blue Cross rehab facilities near you by:

• Consulting your doctor for recommended Horizon BlueCross rehab providers.
• Using the BCBS provider directory online.
• Obtaining referrals from member services.
• Performing a web search for “Horizon Blue Cross Blue Shield recovery centers”.

Many preferred providers offer Horizon inpatient rehab for those who need urgent and intensive interventions. Individuals who need to remain anchored to their everyday commitments while addressing addictions or mental health issues can access outpatient programs at varying levels of intensity with Horizon substance abuse treatment providers.

Call Gratitude Lodge for a same-day insurance coverage verification for addiction treatment.

We Accept Most Major Insurance

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View our wide selection of accepted providers. Don’t see yours? Call our admissions team for help.

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Struggling with addiction? We can help.

Our insurance-covered rehab offers premier treatment for drug addiction, alcohol addiction, & mental health disorders. Call our friendly team today to get started.

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Does Horizon BCBS Cover Medical Detox Services for Drug and Alcohol Addiction?

Medical detox services are covered by Horizon BCBS insurance. Horizon detox coverage provides medical supervision and support during this critical first stage of recovery [4].

Horizon BCBS detoxification services include:

• Initial assessment and monitoring.
• Medications to mitigate withdrawal symptoms.
• 24-hour monitoring of vital signs.
• Crisis intervention and psychiatric evaluation.
• Hydration management and nutritional support.
• Aftercare planning and referrals for ongoing treatment.

Blue Cross Blue Shield drug rehab and alcohol rehab coverage for detox usually extends for up to 7 days, although some people may qualify for coverage for more extended detoxification in the event of severe withdrawal. 

Do Insurance Policies from BCBS Horizon NJ Cover Residential Addiction Treatment?

Residential rehab delivers immersive, 24/7 support for people who need structured addiction treatment in an environment free of distractions or triggers. In-network Blue Cross Blue Shield substance abuse providers offer inpatient programs of 30, 60, or 90 days.

Residential treatment covered by Horizon BlueCross rehab includes:

• Initial assessment and evaluation.
• Therapy sessions (individual, group, and family).
• Medication management.
• Psychiatric services.
• Life skills training.
• Educational workshops.
• Aftercare planning.

Authorization for Horizon inpatient rehab is usually required, and you must prove the medical necessity of residential care. This form of treatment is often indicated for those with co-occurring mental health disorders, multiple failed attempts at treatment, or unstable home environments. Rehabs that accept BCBS can provide treatment not only to policyholders, but any children or dependents up to age 25. 

BlueCross BlueShield alcohol treatment in inpatient settings addresses physical dependence and the psychological side of alcohol addiction. BCBS alcohol rehab involves evidence-based therapies blended with holistic interventions to promote whole-body healing.

Does Horizon Blue Cross Blue Shield NJ Cover Mental Health Therapy and Treatment?

Yes, mental health therapy and treatment are covered as an essential health benefit by Horizon BlueCross BlueShield NJ [5].

Services covered by Horizon BCBS include: 

• One-to-one psychotherapy.
• Group therapy sessions.
• Medication management.
• Psychological evaluation and testing.
• Emergency interventions.
• Inpatient and outpatient programs.

Substance abuse recovery in New Jersey often involves integrated dual diagnosis treatment. This is typically offered as part of Horizon BlueCross rehab coverage when deemed medically necessary. New Horizon drug rehab centers employ teams of psychiatrists, social workers, addiction counselors, and peer recovery experts to coordinate care.

Can I Use My BCBS Horizon NJ Plan Out of State?

Yes. Horizon BCBC utilizes the national network of the Blue Cross Blue Shield Association, meaning plan holders can receive BCBS substance abuse treatment out of state.

When engaging in treatment outside of New Jersey, considerations include:

• Whether facilities are in-network or out-of-network.
• Co-payment variations.
• Out-of-network pre-authorization.
• Emergency or non-emergency care.

Options for Blue Cross Blue Shield alcohol rehab or drug rehab widen when considering out-of-state treatment. BlueShield rehab coverage for treatment out of state typically warrants additional approval and documentation processes.

Horizon Blue Cross Rehab | FAQs

Does Horizon NJ Health cover rehab?

Yes, you can access coverage for drug and alcohol rehab if you have a Horizon NJ Health plan. Coverage extends to detox services, inpatient rehab, and outpatient programs at varying levels of intensity as mandated by federal parity legislation.

Does insurance fully cover rehab?

Insurance can cover some or all of the costs of rehab, depending on your policy. While health insurance reduces out-of-pocket costs for rehab, plans typically require satisfying deductibles, co-insurance, and co-payments as well.

How do you pay for rehab without insurance?

Individuals who need rehab but do not hold health insurance can access state-funded treatment programs, sliding scale fees, payment plans, grants, and personal loans to cover the costs of treatment.

Does NJ Horizon insurance pay for therapy?

Yes, NJ Horizon health plans offer coverage for one-to-one and group therapy sessions as behavioral health benefits.

Get Rehab Covered by Insurance at Gratitude Lodge

If you or a loved one are in need of addiction treatment covered by Horizon BlueCross, reach out to Gratitude Lodge in Southern California for an insurance coverage verification.

We treat all addictions with inpatient programs at our Newport Beach and Long Beach rehab centers. We also offer medical detox services and integrated dual diagnosis treatment for individuals with co-occurring disorders.

We work with most major health insurance providers to widen access to treatment and reduce out-of-pocket costs for those looking to overcome addiction.

All treatment plans at our luxury beachside facilities are tailored to individual needs. Therapies include:

• One-to-one counseling.
• Family therapy.
• Group therapy.
• Behavioral therapies.
• Motivational therapy.
• Holistic treatment.
• Aftercare planning.

To begin addiction treatment covered by insurance, call 844-576-0144.

Sources

[1] https://www.horizonblue.com/about-us/news/company-history

[2] https://pmc.ncbi.nlm.nih.gov/articles/PMC4031575/

[3] https://www.hhs.gov/healthcare/about-the-aca/index.html

[4] https://www.ncbi.nlm.nih.gov/books/NBK64119

[5] https://www.cms.gov/marketplace/private-health-insurance/mental-health-parity-addiction-equity