HCSC Insurance Coverage for Rehab and Detox
WHAT YOU NEED TO KNOW
- HCSC covers detox, inpatient rehab, outpatient rehab, and medication-assisted treatment, with treatment covered at the same level as a comparable medical procedure
- Under the ACA, coverage applies even for pre-existing conditions, with no annual or lifetime spending limits on addiction treatment
- HCSC is the largest customer-owned health insurer in the country, serving nearly 16 million members under the Blue Cross Blue Shield license
- HCSC operates in five states (Illinois, Montana, New Mexico, Oklahoma, and Texas) and offers HMO, PPO
- American Addiction Centers can help verify your HCSC coverage; cal, available 24/7
Health Care Service Corporation (HCSC) covers drug and alcohol addiction treatment, including detox and rehab.
Under the Affordable Care Act, all long-term medical plans must include some level of substance use treatment coverage.
This holds even if your mental health or substance use condition is pre-existing, and HCSC cannot impose annual or lifetime spending limits on your addiction treatment, though you may have cost-sharing such as copays, deductibles, or coinsurance.
Does HCSC Cover Rehab
Yes. HCSC offers some level of coverage for substance use and behavioral health treatment. Importantly, addiction treatment must be covered at the same percentage, with the same copays and deductibles, as a comparable medical procedure would be.
Types of Treatments Covered by HCSC Insurance
HCSC insurance will offer some level of coverage for your substance use and behavioral health treatment services. The following types of addiction treatments are generally covered:
How to Check Your HCSC Benefits
There are two primary ways to check your HCSC addiction treatment coverage. First, you can log in to your member page online. You’ll choose which state you’re in and enter your username and password.6
From the website, you can review your bills, pay your premiums, and get information about your health insurance coverage for drug or alcohol treatment. You can also search for providers, like American Addiction Centers, and find out which doctors and facilities are in your network.
Another option is to call an HCSC representative. When you contact them, they will be able to look up your policy and answer specific questions about your addiction treatment coverage. If you know which facility you’re interested in for rehab, for instance, you can ask about it.
You can also contact the rehab facility and find out if they accept HCSC insurance. If you call American Addiction Centers, our representative can help you verify your exact HCSC substance abuse coverage details. However, you’ll still need to get in touch with the insurance company directly to authorize treatment and confirm coverage.
How Much Does Rehab Cost Using HCSC Insurance?
The exact out-of-pocket cost for addiction treatment will depend on your specific plan and which state you live in. Addiction treatment must be provided with the same percentage of coverage, copayments, and deductibles as a medical procedure would be. However, HCSC coverage may not apply to all facilities in all areas and out-of-state coverage may not be available.
How you get alcohol or drug treatment will depend on whether you have an HMO or PPO plan. If you have an HMO plan, you may need a referral to an in-network specialist or rehab treatment facility. If you don’t get a referral or stay within your provider network, there may be no insurance coverage.
A PPO plan is more likely to be flexible. You’ll have lower copayments and deductibles if you stay within the provider network. The good news is that the BlueCross BlueShield networks are generally broad, so you have good options available.5
Your insurance company has the final word on benefits, so be sure to contact them directly to get the details of your HCSC addiction coverage. You don’t want to be caught off-guard and left with a large bill. To verify your level of coverage, reach out to an HCSC representative or call our rehab hotline.
Types of HCSC Health Insurance Plans
Health Care Service Corporation (HCSC) is a customer-owned health insurance company. They are the largest of this type in the United States and serve nearly 16 million members. HCSC operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.
HCSC has over 24,000 employees and a network of over 272,700 physicians and other healthcare providers. They offer a variety of plans to serve their members.1
HCSC offers health insurance plans under the BlueCross BlueShield license.2 They offer a variety of health insurance group and individual plans, along with Medicare options.
You can choose between health maintenance organization (HMO) and preferred provider organization (PPO) plans. HMOs are generally more restrictive about receiving substance use treatment inside the network but are less expensive.
PPO plans give you more flexibility but you will pay more in monthly premiums. Knowing which plan you have will help you understand how HCSC insurance will apply to your addiction recovery needs.
Finding Rehabs that Accept HCSC Insurance
Choosing to pursue a sober life is a challenge, but you can meet it. American Addiction Centers (AAC) can help you get free from addiction and live an active, sober lifestyle. We are one of the largest addiction treatment providers in the United States and we’d love to connect you to the rehab treatment you need.
For information about how American Addiction Centers can help you or a loved one find a local rehab center and recover from an addiction, please call our rehab hotline.
Our treatment facilities meet the highest level of medical quality standards with licensed physicians and we have the experience necessary to help you through your addiction treatment. If you’re ready to start a new life of freedom, contact us at or text us today.
