Health Care Service Corporation Detox & Rehab Benefits Guide
Healthcare Services Corporation is a US insurance provider offering detox and rehab coverage. Learn how you can use your HCSC plan for rehab here.
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
This page will help you understand how to use HCSC insurance coverage for rehab. Choosing to live a sober life is courageous and we want to support you on that journey. Here’s what you need to know about HCSC detox coverage.
Does HCSC Cover Detox?
Under the Affordable Care Act (ACA), all long-term medical plans are required to include some level of addiction treatment coverage. As a result, HCSC drug rehab coverage is available.
Does HCSC cover therapy? Under the ACA, all plans must cover behavioral health treatment, which includes psychotherapy and counseling. If therapy is part of your addiction recovery plan, your HCSC insurance will offer some level of coverage. This is true even if your mental health or substance abuse problems are pre-existing. The insurance company also cannot impose annual or lifetime spending limits on this coverage. However, you may have cost-sharing responsibilities, such as copayments, deductibles, or coinsurance.4
Drug rehab insurance coverage must be provided with the same percentage of coverage, copayments, and deductibles as a medical procedure would be. However, HCSC rehab insurance coverage may not apply to all facilities in all areas.
What does HCSC cover exactly? The details will depend on your specific plan and what state you live in. HCSC out-of-state coverage may not be available.
Is detox covered by insurance? Most of the time, yes. How you get 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 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 specific plan. You don’t want to be caught off-guard and left with a large bill.
How to Check Your HCSC Benefits
There are two primary ways to check your HCSC health benefits. 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. You can also search for providers and find out which doctors and facilities are in your network.
Another option is to call the insurer directly. When you contact them, they will be able to look up your policy and answer specific questions about 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 plans. However, you’ll still need to get in touch with the insurance company directly to authorize treatment and confirm coverage.
Types of HCSC Plans
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 care 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.
HCSC also offers Medicare Advantage plans under BlueCross BlueShield.3 Medicare Advantage is a private insurance product that replaces Original Medicare but also provides you with additional benefits. For instance, you get built-in prescription drug coverage and other health and wellness opportunities. You can choose between HMO and PPO options for Medicare Advantage as well.
The state you live in and the plan you choose will affect your benefits, copayments, and deductibles. Are you interested in how to get into detox without insurance? Contact your treatment provider and see if they offer financing options or grants.
Using HCSC at American Addiction Centers
Choosing to pursue a sober life is a challenge, but you can meet it. We’re here to help. At American Addiction Centers, we’re proud of the strong relationships we have with a variety of insurance companies, including HCSC.
Our goal is to help you get free from addiction and live an active, sober lifestyle. We are one of the largest treatment providers in the United States and we’d love to connect you to the treatment you need.
Our facilities meet the highest level of medical quality standards and we have the experience necessary to help you through your treatment. If you’re ready to start a new life of freedom, contact us at 1-888-935-1318 today.
- HCSC. (2020). HCSC by the numbers.
- HCSC. (2020). Newsroom news release.
- BlueCross BlueShield of Illinois. (2020). Medicare Advantage plans.
- Healthcare.gov. Mental health & substance abuse coverage.
- BlueCross BlueShield of Michigan. (2020). What’s the difference between HMO and PPO plans?
- HCSC. (2020). Member portal.