We’re here 24/7 to listen and help.

Florida Blue Coverage for Residential Mental Health Treatment in California

Villa Healing Center works with Florida Blue members who choose to leave the state for residential mental health treatment. Whether your plan pays for care in California depends almost entirely on which Florida Blue product you have, and we find that out before you make any arrangements.

Florida Blue at a Glance

Florida Blue is the Blue Cross Blue Shield company for the state of Florida. It is based in Jacksonville and belongs to GuideWell, a not-for-profit parent organization. It is the largest health insurer in the state, covering people through employers, the federal marketplace and the State of Florida employee plan.

Which Florida Blue Plans Travel Outside Florida

Florida Blue’s product names tell us a great deal.

  • BlueOptions. The company’s main PPO. It generally includes benefits for providers Florida Blue has no contract with, and it can be used in other states.
  • BlueSelect. Built around a smaller list of Florida providers. Benefits outside that list vary, so we check each plan.
  • BlueCare and myBlue. HMO products that require a primary care doctor and, outside emergencies, generally pay only for contracted care inside Florida.
  • State Employees’ PPO. Administered by Florida Blue for state workers. The State of Florida sets the benefits.

If your card says BlueOptions, there is a good chance we can help. If it says myBlue or BlueCare, coverage here is unlikely, and we will tell you so quickly.

Marketplace Plans From HealthCare.gov

Florida has no state-run exchange, so residents buy individual coverage on HealthCare.gov. More Floridians are enrolled this way than residents of any other state, and Florida Blue is a leading choice.

Many of the lowest-priced marketplace options are myBlue HMO plans. They work well for care at home but rarely for treatment elsewhere. If you bought your plan on HealthCare.gov, check whether the name includes BlueOptions or myBlue before you call. It will save you time.

How Blue plans handle claims across state lines is explained on our Blue Cross Blue Shield page.

Lucet: The Reviewer Behind Florida Blue Mental Health Benefits

Florida Blue does not review mental health treatment itself. It uses Lucet, a behavioral health company previously known as New Directions. Lucet’s number is usually on the back of your card.

Lucet decides whether a residential stay is approved and for how long. Our clinicians send Lucet your assessment and keep it updated during treatment.

After a Baker Act Hold: Where Residential Care Fits

Many Florida families first meet the mental health system through the Baker Act, the state law that allows an involuntary examination of up to 72 hours when someone may be a danger to themselves or others.

A Baker Act hold is short and focused on immediate safety. It often ends with a discharge and a list of referrals, leaving the person and the family asking what comes next.

Residential treatment is a different kind of care. It is voluntary, it lasts weeks instead of days, and its purpose is recovery, not crisis management. Villa Healing Center is not a hospital and does not accept involuntary admissions. We can speak with hospital discharge planners while a loved one is still being evaluated.

Choosing an Out-of-State Program Safely

Florida has seen its share of treatment marketing abuses, and the state now has strict laws against paying for patient referrals. Whatever program you consider, these questions are worth asking:

  1. Is the facility licensed by its state? Ask for the license and check it. Ours is issued by the California Department of Social Services and is linked at the bottom of this page.
  2. Will they put costs in writing before you travel? A reputable program will.
  3. Are they offering free flights or other perks? Offers like these to win your enrollment are a warning sign.
  4. Who will be treating you? Ask about the clinicians’ credentials and how often you will see them.
  5. What happens when you go home? There should be a plan for continued care in Florida.

We do not pay for travel or offer incentives to enroll.

Florida Blue Plans We Cannot Bill

We do not work with BlueMedicare or any other Medicare plan, or with Medicaid plans. This page applies to Florida Blue coverage from an employer, the marketplace or the state employee plan.

What Treatment Here Looks Like

Our adult program is based in a residential home in Woodland Hills, Los Angeles. To get a feel for it, read what it is like to be in residential mental health treatment. Therapy is the core of each day, supported by the approaches described in our holistic therapy guide and group therapy guide.

 

Dr. Courtney Scott

Medical Director

Medical Reviewer

Clinically reviewed by Dr. Courtney Scott, MD, Medical Director at Villa Healing Center. Board-eligible in Emergency Medicine, Internal Medicine, and Addiction Medicine per Villa’s published clinical leadership profile. 
Read more about our team

Frequently Asked Questions

Can I use Florida Blue for treatment in California?

BlueOptions PPO plans can generally be used in other states. myBlue and BlueCare HMO plans generally cannot, outside emergencies. We confirm your plan through our insurance verification page.

What is Lucet?

Lucet manages mental health benefits for Florida Blue. It reviews and approves residential treatment requests.

I bought my plan on HealthCare.gov. Does that change anything?

The marketplace itself does not. The product does. A BlueOptions plan bought there works like any other BlueOptions plan, while a myBlue plan is limited to Florida.

My family member is under a Baker Act hold. Can they come to you afterward?

Possibly, once they are released and choose treatment voluntarily. Call us and we can speak with the hospital's discharge planner.

I am a State of Florida employee. Can I use my plan?

The state employee PPO is administered by Florida Blue with benefits set by the state. We check it the same way as any other plan.

Check Your Florida Blue Plan Before You Travel

Call (888) 669-0661 with your plan name and member ID. We will contact Florida Blue and Lucet and let you know whether your plan can be used in California.