Blue Cross and Blue Shield Association Rehab and Compulsive Gambling Treatment
Compulsive gambling, which is also called pathological gambling, refers to the behavioral addiction of gambling after it causes financial challenges or problems. Medline Plus says that the individual finds it challenging to avoid impulses to gamble and they must seek appropriate treatment for recovery. Since compulsive gambling is a behavioral health concern, some insurance policies may offer coverage for the treatment.
Basic Coverage Options
Blue Cross and Blue Shield Association compulsive gambling treatment depends on the details in the specific policy. Generally, compulsive gambling is treated as a behavioral health concern and the policy will offer some basic coverage for the treatment program.
In general, a basic policy will offer coverage for behavioral health concerns. The specific amount of coverage and the details will vary based on the situation, but most plans will offer some options for compulsive gambling treatment. The basic treatment coverage includes:
- Paying for out-patient therapy
- Covering the cost of out-patient professional care
- Paying for a portion of residential care
Residential care will generally require pre-certification before the treatment program begins. Individuals must still pay for their co-payment and the policy may set strict limits on the final coverage amount.
Variation in Policies
Since the policies will vary, the treatment coverage can also depend on several factors. For example, a basic policy may have a strict limit on the cost of residential care while more comprehensive policies will pay for more long-term treatment requirements.
An in-network provider will usually comply with the requirements of the insurance company, so the cost is usually less expensive when compared to out-of-network providers. The details about the cost of Blue Cross and Blue Shield Association compulsive gambling treatment will depend on the specific policy and the details in the plan. Opt for an in-network program and obtain pre-certification before seeking treatment to comply with the standards of the insurance company.
Obtaining treatment for compulsive gambling provides an opportunity to focus on long-term goals and avoid financial strife. Blue Cross and Blue Shield policies offer coverage for behavioral health concerns, which includes compulsive gambling or related behaviors. The exact amount of coverage and the details about the policy will vary based on the plan that was selected. Read the policy thoroughly to determine if pre-certification is required and the details regarding the specific co-payment and coverage that is available for behavioral health concerns.