Avisa Recovery

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Does New Jersey Blue Cover Alcohol and Drug Rehab?

Overview of New Jersey Blue Insurance

A New Jersey 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 New Jersey Blue plan and addiction treatment programs.

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

ADDITIONAL INFORMATION ON New Jersey Blue Insurance

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.

New Jersey Blue insurance operates using a tiered system:

  • Bronze: While this is the cheapest monthly New Jersey 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 New Jersey 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 New Jersey 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.

New Jersey Blue covers a range of mental health conditions:

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

Find Out If Your New Jersey Blue Plan Covers Our Program

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What to Expect During Outpatient Substance Abuse Treatment?

Outpatient drug rehabilitation programs encompass daytime participation in treatment, allowing personal freedom during evenings and weekends. These programs offer diverse levels of care tailored to individual requirements. Regardless of your selected program, you will engage in the subsequent activities.

Personalized Therapy for Recovery

Individual therapy plays a pivotal role in the journey of addiction recovery. This form of counseling operates on multiple fronts, aiding individuals in gaining insights into their own psyche and the driving forces behind their substance use. It facilitates the recognition and transformation of detrimental thought patterns and self-perceptions, while concurrently fostering the acquisition of effective coping mechanisms and the cultivation of positive cognitive frameworks.

During the selection process for addiction treatment resources, it’s imperative to meticulously assess the credentials of the facility’s team. It is advisable to ensure that therapists possess the appropriate qualifications, with a preference for those who boast master’s degrees, PhDs, and professional endorsements in the realm of mental health services.

Group Therapy for Substance Abuse Recovery

In the realm of substance abuse treatment, the significance of group therapy stands on par with individual counseling. This form of therapy presents a distinctive avenue to intimately comprehend addiction through the diverse experiences and viewpoints of various individuals. Given that addiction is a profoundly intricate condition, developing a comprehensive awareness of its ramifications bolsters your determination to achieve sobriety.

Furthermore, group therapy sessions provide a platform to openly share your personal narrative with peers, ushering in a sense of relief and clarity that accompanies vocalizing your challenges. Listening to the narratives of others contributes to the cultivation of empathy, a pivotal component of the recovery journey for numerous individuals. This interactive therapeutic approach fosters a holistic healing process, fortified by shared insights and mutual support.

Innovative Treatment Approach

While relying on well-supported therapeutic methods remains the core of rehabilitation, it’s crucial to strike a balance between effort and enjoyment. Experiential therapy offers a unique avenue by incorporating exciting escapades, embracing the outdoors, and engaging in physically satisfying activities. Substance use disorders can dampen the pleasure derived from once-beloved pastimes, and adventure therapy stands as a revitalizing approach to reconnect with those interests.

Family-Centered Counseling for Addiction Recovery

The influence of addiction extends far beyond an individual, resonating within families and even society at large. Family therapy stands as a vital resource, aligning you and your dear ones harmoniously, all within a secure and guided environment, fostering the resolution of challenges. Furthermore, the true nature of this ailment is frequently misconstrued, posing potential detriments to the recovery process.

Empowering your family with the knowledge to bolster your recuperation journey possesses the potential to transform lives collectively, fostering resilience and deepening connections as you embark on a journey of healing side by side.

WILL MY HEALTH INSURANCE BE ACCEPTED BY AVISA RECOVERY?

If you’re wondering whether your health insurance provider is accepted at Avisa Recovery for addiction treatment, feel free to reach out to us at 732-798-7743. Our approachable experts are available to provide guidance and assist you in confirming your coverage eligibility.

Call Us: 732-798-7743

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We Work With Most Major Insurance Providers

  • Aetna
  • Amerihealth
  • Anthem
  • Beacon
  • Behavioral Health Systems
  • BCBS—Most BlueCross & BlueShield Plans
  • Carelon Behavioral Health
  • CareFirst
  • Cigna
  • ComPsych
  • Coventry
  • Empire BlueCross BlueShield
  • GHI
  • Highmark
  • Humana
  • Magellan
  • MagnaCare
  • Meritain Health
  • MultPlan
  • NYSHIP (New York State Insurance Plan)
  • Optum
  • Oxford
  • PHCS
  • Self-Pay
  • TRICARE
  • UHC
  • UMR
  • VA Insurance
  • 90 Degree Benefits

At this time, we do not accept Medicaid or Medicare

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