Montana Health Insurance Coverage for Substance Misuse and Mental Health by Blue Cross and Blue Shield of Montana Health Insurance

An estimated 65% of adults who were living with a serious mental illness received treatment in 2021 for their symptoms. A common barrier to behavioral health services is the cost of treatment. Blue Cross and Blue Shield of Montana insured members are often eligible for coverage of inpatient and outpatient care.

 

Blue Cross and Blue Shield of Montana coverage can include various behavioral health concerns like mental health, substance abuse, and dual diagnosis concerns. Examples of treatment services commonly included in coverage include counseling, therapy, and support groups. These services are often tailored to your specific symptoms, allowing you to receive whole-person care focused on improving your emotional well-being. Continue reading for further information about Blue Cross and Blue Shield of Montana’s rehab coverage.

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Health Insurance in Montana: What is Blue Cross and Blue Shield of Montana Health Insurance?

Blue Cross and Blue Shield of Montana is a nonprofit insurance provider that has been offering comprehensive coverage for over 80 years. Commonly used plan options include individual, family, and group plans. Some residents may be eligible for Medicaid or Medicare plan options.

Insured members have access to a range of coverage options, including Preferred Provider Organization (PPO) and Health Maintenance Organizations (HMO) plans. These options vary in out-of-pocket expenses, including deductibles and premiums, as well as limitations on providers outside the BCBS insurance network. Insured members may be able to access virtual health services, preventive health care services, and prescription drug coverage. Visit CheckMyInsurance.co now to learn about your available Blue Cross and Blue Shield of Montana rehab options.

Substance abuse and mental health concerns are public health concerns within Montana communities. Approximately 79,000 adults are struggling with an addiction, most of whom struggle with alcoholism. Just under 20% of adults report engaging in binge-drinking behaviors, which can increase the risk for adverse effects like developing an addiction, injury, and other health concerns.

Only 10,000 of those struggling with a substance use disorder receive treatment each year. Substance abuse is also a concern with younger adults and teens. About ten percent of high school students in Montana reported taking prescription medications that were not prescribed to them. For those experiencing mental health or substance abuse concerns, treatment costs are a significant barrier. Other problems include access to appropriate treatment services and stigma associated with having behavioral health conditions.

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Does Blue Cross and Blue Shield of Montana Health Insurance Include Retired Military Personnel and Veterans?

Yes! Veterans can have private health insurance policies with BCBS of Montana. This can include employer-sponsored plans, individual, group, and family insurance options. Veterans may choose to have private health insurance to access a broader range of treatment providers who do not belong to the VA healthcare system.

Veterans may be eligible for medical and behavioral health services through their local VA healthcare facilities. Their eligibility is dependent on several factors and can vary. Those who use VA benefits typically need to work with VA-approved treatment providers. In some cases, Veterans may choose to work with treatment providers who are not included in VA options, which is where private insurance coverage can become important. BCBS insurance coverage can decrease your risk for high treatment costs by providing coverage for some or most of the treatment costs associated with mental health and substance abuse concerns.

What Are the Best Ways to Review BCBS of Montana Health Insurance Coverage?

To verify your insurance coverage, we encourage you to look for a reliable and reputable resource. CheckMyInsurance.co has a complimentary coverage level tool that can be used by Montana residents to better understand essential details and coverage options associated with their insurance policy.

Montana residents who verify their coverage with us will learn about their out-of-pocket expenses, required authorizations, provider exclusions, and other important details. This can help you understand the steps that need to be taken during the admission process for maximum coverage. We can also help you understand the terms and phrases included in insurance documents to ensure that you can make informed decisions about your healthcare.

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Are Alcohol and Drug Addiction Treatments Accepted by Blue Cross and Blue Shield of Montana Health Insurance?

Blue Cross and Blue Shield of Montana does cover rehab services for those struggling with drug dependency, alcoholism, and polysubstance use. While the details of coverage can vary among policyholders, coverage typically includes detoxification, inpatient care, and various forms of outpatient treatment.

Addiction treatment programs vary in intensity, duration, and frequency of sessions. Rehabilitation programs commonly use evidence-based approaches known to effectively treat addiction and related concerns. This can include therapies like Motivational Interviewing (MI), Cognitive-Behavioral Therapy (CBT), trauma-informed therapies, and holistic approaches. Rehabilitation programs may offer specialized treatment options for Veterans, trauma survivors, young adults, older adults, and members of the LGBTQ community.

Blue Cross and Blue Shield of Montana alcohol and drug rehab coverage can include detoxification services. Detox is a vital treatment option, especially for those who are at risk for adverse health effects in the initial stages of recovery. Detox services are typically offered in an inpatient setting, though some outpatient care providers offer services for mild or low-risk symptoms.

BCBS coverage for detoxification may require a referral from your Primary Care Physician (PCP) or a prior authorization for the claims process. If these steps are left incomplete, you may be limited in the coverage you receive. The details of your policy are determined by an underwriter who evaluates your overall health and their available services. Those who have supplemental coverage or an umbrella policy may be eligible for additional financial support for detox services.

Your Blue Cross and Blue Shield of Montana rehab coverage can include alcohol and drug treatments when it is medically necessary. Addiction treatment programs are designed to address varying symptoms and severities, allowing for personalized treatment plans. This can include polysubstance abuse for those struggling with more than one substance.

Addiction treatment programs do not come in a one-size-fits-all approach. Treatment providers conduct a thorough assessment to learn about the underlying factors that contributed to the development of and progression of your substance abuse. When necessary, dual diagnosis and Medication-Assisted Treatment (MAT) can be used to support your recovery.

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The Types of Substance Addiction and Mental Health Treatment Programs That Are Accepted by BCBS of Montana

Rehab centers that take Blue Cross and Blue Shield of Montana insurance plans can provide an assortment of treatment options for mental health and substance abuse concerns. Though this is not an exhaustive list, it does highlight commonly used treatment options within Montana.

Residential and inpatient treatment may be recommended for moderate to severe behavioral health conditions. These programs provide a full day of treatment services, including therapy, support groups, and holistic approaches. Support is available around the clock in these live-in treatment facilities.

Blue Cross and Blue Shield of Montana covers inpatient rehab services, including some residential treatment options. Verifying your coverage is essential to understanding exclusions and restrictions for out-of-network providers and those classified as high-end or luxurious. Insurance companies often carry their reinsurance in case your treatment costs are higher than expected.

Partial Hospitalization Programming (PHP), or day treatment, is used for those experiencing moderate to severe symptoms that do not qualify for inpatient care. PHPs use various treatment methods to provide a full day of structured care. Aftercare may be recommended for continued support.

Blue Cross and Blue Shield of Montana rehab coverage often requires prior authorization for PHPs because they are considered a specialized treatment option. Your treatment provider may be able to assist in this process by providing the necessary documentation regarding your diagnosis and treatment plan.

Intensive Outpatient Programs (IOPs) may be recommended after inpatient or PHP treatment. IOPs often include nine or more hours of treatment per week, which often accommodates personal and professional responsibilities. Dual diagnosis, MAT, and psychiatric care are often available for those who need them.

Your Blue Cross and Blue Shield of Montana drug rehab coverage for IOP may be dependent on obtaining prior authorization. Verifying your coverage can help decrease your liability for higher treatment costs.

What Are the Best Ways to Review BCBS of Montana Health Insurance Coverage?

To verify your insurance coverage, we encourage you to look for a reliable and reputable resource. CheckMyInsurance.co has a complimentary coverage level tool that can be used by Montana residents to better understand essential details and coverage options associated with their insurance policy.

Montana residents who verify their coverage with us will learn about their out-of-pocket expenses, required authorizations, provider exclusions, and other important details. This can help you understand the steps that need to be taken during the admission process for maximum coverage. We can also help you understand the terms and phrases included in insurance documents to ensure that you can make informed decisions about your healthcare.

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BCBS of Montana Health Insurance: What Should I Do to Get Substance Addiction and Mental Health Treatments Covered?

When you’re ready to ask for help for mental health or substance abuse concerns, we encourage you to begin by verifying your insurance coverage. This can help you understand your coverage options and required authorizations. There may be steps you need to take before engaging in treatment to receive maximum coverage.

In most cases, you’re more likely to receive coverage for in-network providers compared to out-of-network healthcare facilities. You may also need to obtain prior authorization before engaging in treatment services. We recommend keeping track of your communication with BCBS and your treatment provider. This can include authorization numbers, dates, and other confirmation numbers. This information can be helpful down the road if you experience difficulties receiving coverage for behavioral health services.

How Regularly Does BCBS of Montana Cover Mental Health and Substance Addiction Treatments?

Coverage with Blue Cross and Blue Shield of Montana rehab coverage is generally dependent on medically necessary treatments. While some insurance plans have session limits or caps, those who require support for chronic or worsening symptoms can often access the care they need. There may be exclusions or restrictions on providers outside your insurance network.

Recommended treatments are based on the symptoms you’re experiencing and how they affect your daily life. BCBS is known for having a broad network of providers for insured members, which can help you access the support you need to improve your overall mental health. Treatment can include structured care and skill development, such as communication, relapse prevention, and emotion regulation.

What is the Cost of Mental Health Treatment and Substance Use Disorder Treatment When Paying Without Health Insurance?

Montana is the sixth most expensive state for residential addiction treatment, with an average cost of $62,530. Montana residents pay an average of $1,627 for traditional outpatient care focused on substance abuse. These costs can vary based on the duration of treatment, use of specialized services, and whether you choose a private or public healthcare provider.

Similarly, residential and inpatient care for mental health conditions tend to have higher costs than outpatient care. Specialized outpatient programs, including PHP and IOP, tend to have higher costs than traditional outpatient care because of the additional treatment providers. Montana residents who are not using health insurance to reduce their treatment costs may be able to access a range of payment options like sliding scale fees, payment plans, and income-based payments. You can learn about available options by contacting your nearby healthcare facilities.

What is the Cost of Mental Health Treatment and Substance Use Disorder Treatment When Paying With BCBS of Montana Health Insurance?

Treatment costs for Montana residents who are using Blue Cross and Blue Shield behavioral health coverage can vary. BCBS offers a range of products and services, which can include a range of coverage options. As an example, there are variations in out-of-pocket costs for HMO and PPO plans for addiction and mental health treatment programs.

Out-of-pocket expenses that you may be responsible for include copayments, deductibles, and premiums. These expenses may be dependent on your ability to receive prior authorization for certain treatment options. Those who use treatment providers outside the BCBS network may experience higher treatment costs compared to those working with in-network providers. These limitations may also affect high-end or luxurious treatment providers. If you would like to learn more about out-of-pocket expenses associated with your BCBS insurance policy, we encourage you to verify your coverage with CheckMyInsurance.co today.

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Montana’s Top Mental Health Clinic Options

  1. Community Medical Services – Missoula: 2415 South Catlin Street, Missoula, MT 59801
  2. Stepping Stones Counseling PLLC: 202 Brooks Street, Suite 300, Missoula, MT 59801
  3. Western Montana Addiction Services – Turning Point: 1325 Wyoming Street, Missoula, MT 59801
  4. Kalispell Regional Behavioral Health Pathways Treatment Center: 200 Heritage Way, Kalispell, MT 59901
  5. Boyd Andrew Community Services: 60 South Last Chance Gulch, Helena, MT 59601
  6. South Central Montana Regional Mental Health Center: 1245 North 29th Street, Billings, MT 59101
  7. Western Montana Mental Health Center – Gallatin Mental Health Center: 699 Farmhouse Lane, Bozeman, MT 59715
  8. Livingston Community-Based Services: 5237 Highway 89 South, Suite 1, Livingston, MT 59047
  9. Turning Winds: 31733 South Fork Yaak Road, Troy, MT 59935
  10. Cedar Creek Integrated Health: 2216 Boothill Court, Suite 3, Bozeman, MT 59715

Montana’s Top Substance Addiction Clinic Options

  1. Rocky Mountain Treatment Center: 920 4th Ave N, Great Falls, MT 59401
  2. Wilderness Treatment Center: 2040 Rosebud Dr, Suite 7‑8, Billings, MT 59102
  3. Ideal Option: 1532 S Ellis St, Suite 104, Bozeman, MT 59715
  4. Gateway Community Services (Outpatient): [Two offices in Great Falls – general info, exact address may vary]
  5. Big Sky Recovery: 309 Wisconsin Avenue, Whitefish, MT 59937
  6. Rimrock Foundation: 1231 North 29th Street, Billings, MT 59101
  7. Crystal Creek Lodge Treatment Center: 807 Piegan Street, Browning, MT 59417
  8. Community Medical Services (Belgrade outpatient/residential): 8707 Jackrabbit Lane, Suites D & F, Belgrade, MT 59714
  9. Recovery Centers of Montana – Men’s Program: 390 Hodgson Road, Columbia Falls, MT 59912
  10. Recovery Centers of Montana – Women’s Program: 390 Hodgson Road, Columbia Falls, MT 59912
  • An estimated 79,000 Montana residents are living with a substance use disorder. Approximately 64,000 residents are struggling with an alcohol use disorder, and about 18% of adults engage in binge-drinking behaviors.
  • The prevalence of fatal drug-related overdoses rose to 19.5 deaths per 100,000 Montana residents in 2021. This falls below the national average of 32.4 deaths per 100,000 residents.
  • An estimated one in ten Montana high school students has tried prescription medications that weren’t prescribed to them.
  • Over 48% of Montana residents who didn’t receive the mental health treatment they needed indicated that the cost of treatment was their biggest barrier. Cost of treatment is a concern affecting eight percent of uninsured residents, according to the National Alliance on Mental Illness.
  • Over 10,000 Montana adults engage in addiction treatment each year for various forms of substance abuse disorder.