Blue Cross Blue Shield of Montana Coverage for Addiction Treatment Services

BCBSMT is deeply committed to the holistic well-being of its members, recognizing that mental and behavioral health are integral components. Their comprehensive Behavioral Health Care Management Program is designed to provide support and resources for individuals facing various challenges. The program aims to facilitate access to essential behavioral health benefits and foster seamless coordination between medical and behavioral health providers, ensuring a comprehensive and integrated approach to care.

Program Components:

• Outpatient Management: BCBSMT understands that different individuals require different levels of care. The program covers various services to cater to diverse needs, including outpatient programs for flexible treatment options.
• Case Management Programs: BCBSMT recognizes that each individual’s journey is unique. Their case management programs offer personalized support tailored to each member’s specific needs. This includes intensive case management for those with complex or high-risk conditions, condition case management for chronic mental health and substance use disorders, and active specialty management for ongoing support and coordination.
• Specialty Programs: Certain conditions require specialized expertise. BCBSMT’s program offers specialized care teams, ensuring access to targeted interventions and expert guidance.
• Risk Identification and Outreach (RIO): BCBSMT takes a proactive approach to identifying members who may be at risk for substance use disorder. They aim to connect individuals with appropriate resources and support through data analysis and outreach initiatives, promoting early intervention and prevention.

While Blue Cross Blue Shield of Montana (BCBSMT) provides comprehensive addiction treatment coverage, it’s important to understand the potential costs involved in your recovery journey. Here’s a breakdown of the key factors that can influence your out-of-pocket expenses:

• Monthly Premium: This is the regular fee you pay to maintain your insurance coverage with BCBSMT. Premiums can vary depending on your specific plan and individual circumstances.
• Deductible: This is the amount you’ll need to pay out-of-pocket before your BCBSMT coverage kicks in. Deductible amounts can also vary based on your chosen plan.
• Coinsurance: Once you’ve met your deductible, coinsurance is the percentage of the remaining costs you share with BCBSMT. This means you’ll pay a portion of the bill while your insurance covers the rest.
• Copays: These are fixed fees you may pay for specific services, such as doctor visits or medication, usually at the time of service. Copay amounts can differ based on your plan and the type of service you receive.
• Out-of-Pocket Maximum (OOPM): This is the maximum amount you’ll be responsible for paying out-of-pocket within a given year. Once you reach this limit, BCBSMT will cover 100% of the remaining costs for covered services.

Additional Ways to Maximize Your Benefits:

• Choose an In-Network Provider: BIG SKY Treatment is proud to be an in-network provider with BCBSMT. Choosing us ensures the most comprehensive coverage and significantly reduces your out-of-pocket costs.
• Explore Financial Assistance: Under the Affordable Care Act, you might qualify for premium tax credits or cost-sharing reductions, which can lower your monthly premiums and out-of-pocket expenses.
• Consider Government Programs: Depending on your income and family size, you might be eligible for low or no-cost insurance through Medicaid or the Children’s Health Insurance Program (CHIP).

Our admissions team is ready to assist you in understanding your BCBSMT benefits, verifying your coverage, and exploring the most cost-effective options for your addiction treatment. Contact us today to take the first step towards recovery.