Mental Health and Substance Use Disorder Treatment Options With Blue Cross and Blue Shield of Oklahoma Health Insurance Coverage
Blue Cross and Blue Shield of Oklahoma has been helping OK residents access a range of needed behavioral health treatments, like inpatient and outpatient care. With personalized support, you can work to develop the skills needed to navigate your symptoms and improve your emotional well-being effectively.
Behavioral health conditions that are commonly included in BCBSOK coverage include mental health, substance abuse, and dual diagnosis conditions. These mental illnesses often require varying treatment methods and interventions and may respond to different levels of care. Treatment generally begins with a comprehensive assessment that guides your clinical team as they develop your personalized treatment plan. Continue reading below to learn about treatment options typically available within rehabs that take Blue Cross and Blue Shield of Oklahoma insurance policies.
Blue Cross and Blue Shield of Oklahoma Health Insurance Coverage: What is it?
Blue Cross and Blue Shield of Oklahoma is an independent licensee of the Blue Cross Blue Shield Association that operates as a non-profit organization. It was originally formed under the name Group Hospital Services of Oklahoma in 1940, and later became the BCBS company we’re familiar with today.
BCBSOK is a subsidiary of Health Care Services Corporation (HCSC) and provides insurance coverage for over 800,000 OK residents living within the state’s 77 counties. Insured members can access an assortment of coverage options, including individual, family, and group plans. Some have access to employer-sponsored plans through their employer. Qualifying individuals may be able to access publicly funded insurance programs like Medicare Advantage or Medicaid plans.
To set fair prices for medical and behavioral health needs, insurance companies have an actuary look at data to determine the risks for certain conditions. During the underwriting process, insurers will determine how much liability they’re willing to assume. Some insured members have an umbrella policy, which can provide additional financial protection by providing additional coverage for treatment costs.
How Do Mental Health Disorders and Substance Use Disorders Affect Residents of Oklahoma?
Oklahoma is ranked fifth in the nation regarding the highest rates of mental illnesses. Substance abuse and addiction concerns affect an estimated 16% of Oklahoma residents, with alcoholism being more common than illicit drug abuse concerns. The National Alliance on Mental Illness (NAMI) indicated that over 500,000 adults are living with a mental illness, with 152,000 experiencing serious mental illnesses.
These statistics begin to show the diversity of mental health concerns among Oklahoma residents. An estimated 27% of adults who were experiencing mental health conditions in the Winter of 2021 were unable to access needed mental health services. Nearly half of those who didn’t receive mental health treatment in Oklahoma indicated that the cost was their biggest barrier. Approximately 182,000 adults received behavioral health treatment through an Oklahoma Department of Mental Health and Substance Abuse Services (ODMHSAS) treatment program.
Insurance Coverage Verification
"*" indicates required fields
Are Mental Health and Substance Addiction Treatments Received Out-of-State Covered by BCBSOK?
Some insured members can access out-of-state behavioral health treatments through the use of the BlueCard Program. This allows members to receive treatment from in-network providers located around the country, typically with the same cost-sharing prices that they would experience with Oklahoma treatment providers.
It is important to verify your coverage before engaging in out-of-state treatment because there are variations in coverage options. Those with an HMO plan may have limited coverage compared to those with a PPO or POS plan. Some policies may require prior authorization before receiving services. Those who require emergency or urgent care can often receive coverage from out-of-state healthcare facilities.
Which Resources Can Help Verify BCBSOK Health Plan Info?
Before you begin treatment, you’ll want to learn about your insurance policy. This can help you make an informed decision about treatment options. CheckMyInsurance.co has developed a free and reliable tool that can simplify your policy, helping you understand your behavioral health coverage options.
Our free insurance verification form will look at relevant exclusions, limitations, out-of-pocket expenses, and required authorizations. It can be challenging to understand the language commonly used within insurance policies, which is why CheckMyInsurance.co is here to support you. We recommend starting with verifying your coverage if you’re finding it difficult to ask for help, and taking it one step at a time.
Does BCBSOK Cover Substance Use Disorder Treatments?
Yes, Blue Cross and Blue Shield of Oklahoma rehab coverage typically includes a range of substance abuse treatment programs throughout Oklahoma. This can include detoxification services, inpatient care, and a range of outpatient treatment options. Depending on your policy, you may have coverage for specialized treatment options like Medication-Assisted Treatment (MAT) and dual diagnosis care.Â
Coverage for rehabilitation programs can vary because of plan variations, your symptoms, and their severity. You may need to obtain prior authorization or a referral from a primary care physician for maximum coverage. Out-of-pocket expenses like deductibles and premiums may apply.Â
Is Treatment for Drug/Alcohol Covered by Blue Cross and Blue Shield of Oklahoma?
Blue Cross and Blue Shield of Oklahoma rehab options typically include coverage for alcoholism, drug dependency, and poly-substance abuse. This is important because addictions are a personalized behavioral health condition that can require varying treatment methods. Variations are often found in recommended treatment approaches, interventions, and supportive recovery services.
Treatment for these various forms of addiction can occur in detoxification programs, inpatient rehabs, and outpatient care. These programs often offer varying treatment options guided by evidence-based therapies. Cognitive-behavioral therapy, motivational interviewing, and holistic approaches are just a few examples of treatment approaches commonly used in recovery programs.
Does BCBSOK Cover Co-Occurring Disorder Treatment for Alcohol/Drug Addiction and Mental Health Disorders?
Absolutely! Blue Cross and Blue Shield of Oklahoma alcohol rehab coverage can include coverage for co-existing conditions. This can include mental health conditions like depression, anxiety, bipolar disorder, PTSD, and ADHD. Co-existing conditions affect an estimated 21.5 million adults in the United States, as noted by the Substance Abuse and Mental Health Services Administration.
Dual diagnosis care is generally available in both inpatient and outpatient rehabs. The coverage you receive can vary, though insurance typically lowers treatment costs. Depending on your needs, dual diagnosis treatment can include additional therapy, counseling, group support, and other services like psychiatric care. Verify your coverage today with CheckMyInsurance.co to learn about limitations or exclusions associated with your dual diagnosis coverage options.
BCBSOK Addiction Coverage: Are Detox Treatments for Alcohol Addiction and Drug Addiction Covered?
Yes, Blue Cross and Blue Shield of Oklahoma drug rehab coverage commonly includes detoxification services for those struggling with addiction. Detox services are intended for those at risk of physical and psychological distress during the withdrawal period. While detox generally occurs in inpatient care, some outpatient facilities may offer detox services.
Commonly used detox services include medication-assisted treatment, educational sessions, support groups, and aftercare planning. You may learn relapse prevention skills that can help you cope with triggers and cravings in early recovery. We encourage you to verify your policy to learn about coverage limitations or exclusions for treatment providers outside the BCBS network.
Does Health Insurance Coverage from BCBSOK Cover Medication-Assisted Treatments?
Blue Cross and Blue Shield of Oklahoma does cover rehab programs offering Medication-Assisted Treatment (MAT) when it is medically necessary. This may occur during detox or in the later stages of addiction for some substances. MAT services can be used to decrease the severity of withdrawal symptoms in early sobriety.
Those who are struggling with alcoholism or opioids, like heroin and prescription pain medicines, may be good candidates for long-term MAT services. In these cases, medications can be used to decrease cravings and the effects of continued use if you were to relapse. Prescription drug coverage is often needed when filling your scripts. Your coverage may have limitations on the use of name-brand medications and may have premiums or deductibles that you’re responsible for.
What Substance Use Disorder (SUD) and Mental Health Disorder Treatment Programs Are Included in BCBSOK Health Insurance Coverage?
There are various behavioral health treatment programs available at rehabs that take Blue Cross and Blue Shield of Oklahoma insurance policies. These programs can treat mental health conditions, substance abuse concerns, and dual diagnosis conditions. Examples of commonly used programs in Oklahoma include:
BCBSOK Alcohol/Drug Addiction and Mental Health Intensive Outpatient Program (IOP) Coverage: Is Treatment Covered?
Intensive Outpatient Programs (IOPs) typically include nine or more treatment hours for those who require more support than traditional outpatient care. These programs often blend individual and group sessions, while providing access to MAT, psychiatric care, and dual diagnosis treatment. IOPs may have morning and evening sessions to accommodate your everyday responsibilities.
Blue Cross and Blue Shield of Oklahoma rehab options commonly include IOP treatment when it is appropriate. These programs may require prior authorization before engaging in care and may be subject to various out-of-pocket costs.
BCBSOK Alcohol/Drug Addiction and Mental Health Residential Treatment Coverage: Is Treatment Covered?
Residential and inpatient care is intended to provide around-the-clock care for those experiencing moderate to severe symptoms. These symptoms cause significant disruption to everyday life and are challenging to manage independently. Therapy, counseling, group support, and family treatment options are commonly available.
Blue Cross and Blue Shield of Oklahoma covers inpatient rehab services when it is medically necessary. We encourage you to verify your coverage to learn about limitations or exclusions for high-end and out-of-network treatment providers. Referrals from a primary care physician may also be required for maximum benefits.
BCBSOK Alcohol/Drug Addiction and Mental Health Partial Hospitalization Coverage: Is Treatment Covered?
Partial Hospitalization Programs (PHPs) are an outpatient program that provides a full day of structured care while allowing you to live at home. Treatment can include therapy, counseling, skill-building sessions, and more. These programs may be recommended for those who no longer require inpatient care but have a risk of relapsing without intensive support.
Blue Cross and Blue Shield of Oklahoma rehab options may include PHP and day treatment for those who qualify for these programs. Your coverage may be restricted to in-network providers and include out-of-pocket expenses.
Steps to Getting Blue Cross and Blue Shield of Oklahoma to Cover Drug/Alcohol Addiction and Mental Health Treatment
To use your Blue Cross and Blue Shield of Oklahoma rehab coverage for mental health or addiction treatment, begin by verifying your insurance coverage. This helps you understand your policy requirements, such as prior authorizations, referrals, session limits, and network restrictions or exclusions. You can verify your coverage with sites like checkmyinsurance.co.
Once you have verified your insurance coverage, you can begin narrowing down available treatment options. We encourage you to confirm with treatment providers that they are in-network with BCBSOK to decrease the risk of difficulties during the claims process. It can be helpful to keep track of approval numbers and authorization dates to avoid unexpected billing issues during treatment.
How Can I Tell if A Treatment Center is In-Network With Blue Cross and Blue Shield of Oklahoma Health Insurance?
To find out if a treatment center is in-network with Blue Cross and Blue Shield of Oklahoma, you can check the provider directory on the BCBS website or contact member services by dialing the number on your insurance ID card. Another option is to use a coverage verification service like CheckMyInsurance.co, which can quickly confirm a facility’s status.
Choosing an in-network healthcare provider typically means that you’ll experience lower out-of-pocket costs and fewer billing issues. If you choose an out-of-network rehabilitation center, coverage may be reduced or denied, depending on your policy.
Are Retired Military Personnel Included in BCBSOK Health Insurance Coverage?
Yes, Blue Cross and Blue Shield of Oklahoma provides coverage options that some retired military service members and Veterans may choose to enhance their VA benefits. This can include individual, family, and employer-sponsored health plans that can provide access to an increased number of behavioral health providers.
While BCBS of Oklahoma plans do not replace VA benefits, many opt for private insurance to broaden their care choices and reduce wait times. Veterans who only utilize the VA healthcare system are often limited to VA-approved providers and facilities. Private insurance companies can be helpful for those who would benefit from accessing behavioral health services that are not available within their region through the VA or Community Care Network (CCN).
How Many Times Will BCBSOK Health Insurance Pay for Substance Addiction Treatments and Mental Health Disorder Treatments After Meeting Your Deductible?
Blue Cross and Blue Shield of Oklahoma typically provides behavioral health coverage based on medical necessity and your policy details. Once you have met your deductible, your insurance may cover an approved number of sessions or days of services. Session limits or caps may apply to specialized treatment options, such as inpatient rehab, PHP, IOP, or therapy services.
Insured members who require treatment beyond the limits of their insurance policy may be able to request an extension or file an appeal. Insurance companies commonly have reinsurance to provide themselves with financial support if a policyholder’s claims have higher costs than anticipated. We encourage you to review your Explanation of Benefits (EOB) and verify your coverage to learn about applicable session limits.
How Much Does Mental Health Disorder Treatment and Substance Use Disorder Treatment Cost When Paying Out-of-Pocket in Oklahoma?
The National Center for Drug Abuse Statistics (NCDAS) indicated that Oklahoma is the fifth most affordable state for inpatient drug rehabilitation treatment. On average, OK residents pay $54,475 for residential care and $1,704 for traditional outpatient treatment. Oklahoma, Oregon, Washington, and Illinois have the same average cost for outpatient care.
Your mental health and substance abuse treatment costs can fall above or below the average price of care, based on the services that you receive. As an example, public programs tend to be more affordable compared to private settings, which can lower your out-of-pocket expenses. Those who receive specialized care like MAT services, psychiatric care, or dual diagnosis treatment often have higher treatment costs because of the additional services that they receive. You can contact treatment providers directly to receive a personalized treatment quote based on your symptoms and their severity. Some healthcare facilities offer payment plans, sliding scale fees, or income-based fees to help make their treatment programs more accessible for those who experience financial barriers to treatment.
How Much Does Mental Health Disorder Treatment and Substance Use Disorder Treatment Cost When Paying With BCBSOK Health Insurance?
Behavioral health treatment costs can vary among those who are using Blue Cross and Blue Shield of Oklahoma insurance policies. A key component of this is the type of insurance plan you have, such as a Health Maintenance Organization (HMO) plan or a Preferred Provider Organization (PPO). While HMO plans have lower out-of-pocket expenses, they tend to provide less flexibility.
Common expenses that insured members are responsible for include copayments, deductibles, and premiums. These costs can vary among different plan options, which is why we encourage you to verify your insurance coverage to learn about your expected treatment costs.
Options for Addiction Treatment Centers That Typically Accept BCBSOK Health Insurance Plans
- Slate Recovery
 3033 NW 63rd Street, Suite E200, Oklahoma City, OK 73116 - Rolling Hills Hospital
 1285 U.S. Highway 62, Ada, OK 74820 - Oakwood Springs Hospital
 13101 Memorial Springs Court, Oklahoma City, OK 73114 - Rob’s Ranch (Men’s Residential Program)
 23899 State Highway 74, Purcell, OK 73080 - 12&12, Inc.
 6333 E. Skelly Drive, Tulsa, OK 74135 - The Recovery Center
 1503 N. Classen Boulevard, Oklahoma City, OK 73106 - Catalyst Behavioral Services – Red Rock Behavioral Health Services
 4400 N Lincoln Boulevard, Oklahoma City, OK 73105 - Cleveland County Health Department – Behavioral Health Services
 250 12th Avenue NE, Norman, OK 73071 - Grand Lake Mental Health Center – Recovery Center
 114 W Delaware Avenue, Nowata, OK 74048 - Monarch, Inc. (Women’s Residential Program)
 2310 W Broadway Street, Muskogee, OK 74401
Options for Mental Health Treatment Centers That Typically Accept BCBSOK Health Insurance Plans
- Rolling Hills Hospital – Adult Mental Health & Substance Use Services
 1285 U.S. Highway 62, Ada, OK 74820 - Rolling Hills Hospital – Adolescent Residential Mental Health Program
 1285 U.S. Highway 62, Ada, OK 74820 - Slate Recovery (Outpatient Mental Health & Addiction Treatment)
 3033 NW 63rd Street, Suite E200, Oklahoma City, OK 73116 - Valley Hope of Cushing (Residential Mental Health & Addiction Treatment)
 100 S Jones Avenue, Cushing, OK 74023 - South Coast Behavioral Health – Edmond Location
 630 W Edmond Road, Edmond, OK 73003 - Rob’s Ranch (Men’s Residential Program for Dual Diagnosis & Addiction)
 23899 State Highway 74, Purcell, OK 73080 - Laureate Psychiatric Clinic and Hospital – Saint Francis Health System
 6655 S Yale Avenue, Tulsa, OK 74136 - TRC The Recovery Center (Detox & Mental Health Treatment)
 1215 NW 25th Street, Oklahoma City, OK 73106 - Clay Crossing Foundation (Faith-Based Residential Mental Health and Addiction Care)
 32018 Highway 59, Maud, OK 74854 - Mountain Springs Recovery – Oklahoma Campus (Co-occurring Disorders & Mental Health)
 Near Ada, OK (Contact directly for address confirmation)
Treatment Coverage Related Insurance Articles
Available Data on the State of Mental Health and Addiction in Oklahoma
- Oklahoma is known for having some of the highest rates of mental illnesses, and has been ranked as the fifth state regarding its prevalence of these conditions. Additionally, over 16% of adults in OK are living with a substance use disorder.
- The occurrence of drug-related overdose deaths in the United States was higher than in OK from 2017 to 2021. In 2021, the overdose death rate for Oklahoma was 24.4 individuals per 100,000 residents, compared to the national rate of 32.4 deaths.
- Over half a million adults in Oklahoma are living with mental health conditions, with an estimated 152,000 adults experiencing serious mental illnesses like major depression, schizophrenia, and bipolar disorder.
- The Substance Abuse and Mental Health Services Administration (SAMHSA) indicated that an estimated 2.8% of adults in Oklahoma are living with an illicit drug use disorder. The prevalence of alcohol use disorder is estimated to be 6.1% among Oklahoma adults.
- An estimated 182,000 adults received mental health and substance abuse treatment in the Oklahoma Department of Mental Health and Substance Abuse Services (ODMHSAS).
