The Benefits of BCBS for Mental Health Treatment
Your mental health is a top priority, making choosing the right insurance coverage crucial. The right insurance provider can ensure you receive quality care when seeking treatment at a mental health facility.
Using your Blue Cross Blue Shield insurance for mental health treatment in Atlanta, GA, offers benefits to reduce out-of-pocket costs and make mental health treatment plans more accessible.
Blue Cross Blue Shield insurance benefits include financial assistance for therapy, medications, and other mental health services. While your specific plan may offer varying levels of coverage, treatment facilities become much more affordable with BCBS.
Additionally, BCBS provides various mental health resources to help clients find suitable treatment facilities and support services.
BCBS Insurance Coverage Options
Blue Cross Blue Shield has a tiered list of plans that provide different coverage options. These options are:
- Bronze: This level covers around 60% of medical costs, with a low monthly payment and a high deductible.
- Silver: This level covers around 70% of medical costs, with a slightly higher monthly payment and lower deductible.
- Gold: This level covers around 80% of medical costs, with a higher monthly payment and low deductible.
- Platinum: This level covers around 90% of medical costs, with the highest monthly payment and the lowest deductible.
What Influences Your BCBS Health Insurance Coverage for Mental Health Treatment?
Several factors can affect the extent of your Blue Cross Blue Shield (BCBS) coverage for mental health care. These include:
- Your specific mental health diagnosis
- The type of treatment program you need (inpatient, outpatient, therapy, etc.)
- The recommended length of treatment
- Whether you have met your deductible
- Your plan’s copay amounts
- Any requirements for specialist referrals
- The overall mental health benefits included in your plan
Importantly, even after you use your insurance for mental health treatment, your premiums will not increase. Laws protect you from insurance companies raising your rates based on your use of mental health benefits.
Mental Health Treatment Center Costs with Insurance Providers
To understand your mental health coverage, contact our intake team. We’ll review your insurance details, discuss your mental health needs, and connect with your provider—such as Blue Cross Blue Shield (BCBS)—to clarify your benefits and payment responsibilities.
Under the Affordable Care Act (ACA), insurance companies must cover mental and behavioral health services, including therapy, counseling, inpatient and outpatient care, and medication management.
This means your insurance provider must offer the same level of coverage for mental health treatment as other medical conditions, with no annual or lifetime dollar limits on essential mental health benefits.
Your out-of-pocket costs—such as copays, deductibles, and coinsurance—will depend on your specific plan and whether your provider is in-network. Our team is here to help you navigate these details and ensure you can access the care you need for your mental health and overall well-being.
In-Network Providers Versus Out-Of-Network Providers
Your insurance provider helps you save on mental health care by giving you access to a network of therapists, treatment centers, and pharmacies. To be considered in-network, mental health programs must meet certain standards and agree to provide services at discounted rates set by your insurance plan.
Choosing an in-network mental health provider makes treatment more affordable. The treatment center bills your insurance directly, so you are typically responsible only for a copay or coinsurance—sometimes nothing at all, depending on your plan. This arrangement is convenient and eliminates the need for you to seek reimbursement.
If a mental health facility is not contracted with your insurance, it is considered out-of-network and may charge the full price for services. While you can still receive care from an out-of-network provider, you will likely need to pay upfront and then seek reimbursement from your insurance, which often covers only a small portion of the cost. As a result, out-of-network care usually means higher out-of-pocket expenses.
Our Programs Covered by Blue Cross Blue Shield Insurance
BCBS has many plans that cover mental health treatment programs, so no matter your specific goal, your insurance will cover the cost at least partially.
BCBS covers treatment programs such as:
- Detox
- Inpatient Treatment
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient Treatment
Our Services that BCBS Insurance Plans Cover
Since BCBS covers different treatment programs, the services provided during treatment also fall under coverage. This includes:
- Prescription medications
- Therapy sessions
- Support groups
- Aftercare and outpatient services
Why Choose The Summit Wellness Group?
Our innovative and individualized mental health treatment is tailored to each person’s unique needs and goals, giving every client the best chance at lasting wellness. We specialize in dual-diagnosis care, addressing both mental health concerns and co-occurring substance use, using a holistic approach that emphasizes self-care, personal growth, and comprehensive healing.
At The Summit Wellness Group, we are dedicated to delivering proven results in both mental health and addiction treatment. When you choose our recovery center, you choose more than just state-of-the-art facilities and a highly trained clinical team—compassionate, client-centered care designed to support your journey toward long-term recovery.
Our Roswell and Midtown Atlanta locations are accredited by the Joint Commission, reflecting our commitment to safe, high-quality treatment. Our experienced staff hold a range of professional licenses and credentials, ensuring expert care at every step.
Our many 5-star Google reviews show our positive impact on our clients’ lives. Join the hundreds of individuals who have found hope and healing with us.
Find Freedom from Mental Health Challenges
Our treatment plans are designed to help you overcome mental health challenges and substance use by supporting every aspect of your well-being. We use a comprehensive blend of evidence-based therapies to address all contributing factors, empowering you to build a healthier, more hopeful future focused on lasting recovery.
If you or a loved one is struggling with mental health concerns or substance use, our admissions team is here to help. We work with BCBS and most major insurance providers to make quality care accessible. The Summit Wellness Group is committed to guiding you toward healing and recovery.
Call us at (770) 790-4510 to connect with our team and discover the best path forward.