The limits of your specific coverage depend on several factors including the state in which your Independence BCBS plan originated. If your plan is a Health Maintenance Organization (HMO), your benefits may be maximized when you visit an in-network provider. If your plan is a Preferred Provider Organization (PPO), or Exclusive Provider Organization (EPO), it may not matter which care facility you choose. Independence BCBS also provides plans for those on Medicare and Medicaid.
Regardless of your plan type, you will also have a deductible (the amount you must pay before your insurance takes effect) and a copayment (a one-time fee for any particular service). Some Intensive Outpatient Program services may require pre-authorization by Independence BCBS. These requirements vary for each individual, and a Treatment Advisor at Guardian IOP can help you understand the benefits and pre-approval requirements specific to your plan.