Blue Cross Massachusetts PPO Coverage for Residential Treatment
BCBS Massachusetts PPO members may be able to use their out-of-network benefits for treatment on Maui.
Blue Cross Blue Shield of Massachusetts PPO plans, such as Blue Care Elect, include out-of-network benefits for inpatient mental health and substance use treatment, which may help cover part of a stay at Maui Recovery. Stays need prior authorization from BCBS Massachusetts. Send us your plan details or call (877) 317-8260, and we’ll check what your plan covers.
Who has BCBS Massachusetts PPO plans
- Employees of Massachusetts companies that offer Blue Cross PPO plans
- City and town employees, including police, firefighters and school staff, in communities that buy coverage through the Massachusetts Interlocal Insurance Association (MIIA), which uses Blue Cross Blue Shield of Massachusetts
- Their enrolled spouses, partners and dependents
How out-of-network benefits work
- Maui Recovery is out-of-network with Blue Cross Blue Shield of Massachusetts.
- Out-of-network care is subject to the plan’s deductible and coinsurance, up to the plan’s out-of-pocket maximum. Out-of-network payments are based on the plan’s allowed charge.
- Non-emergency inpatient stays need prior authorization. Our team handles this with BCBS Massachusetts.
- If you’re on an HMO plan, out-of-network benefits are usually limited, but call us and we’ll check your options.
Key facts
| Licensed | Residential treatment center |
| Accredited | The Joint Commission |
| Location | Lahaina, Maui, Hawaii |
| Setting | 20 acres overlooking the Pacific |
| Size | 8 beds, plus private villas |
| Care | Medical detox and residential treatment |
| Treats | Substance use and mental health |
| Typical stay | 30 to 90 days |
| Insurance | Out-of-network with all plans |
| Admissions | (877) 317-8260 |
Using your BCBS Massachusetts plan at Maui Recovery
Benefits check
Send your insurance card or call us. We check your out-of-network benefits and explain them.
Approval
With your permission, our team works with Blue Cross Blue Shield of Massachusetts on approval and provides the clinical information it needs.
Arrival
Once approved, our admissions team helps coordinate your arrival on Maui.
Claims
Our billing team submits claims and works with your plan directly, so you don’t have to.
Why Massachusetts families choose treatment on Maui
For many people, getting well starts with getting away. Treatment on Maui offers privacy away from coworkers and neighbors, and real distance from the routines and stress tied to substance use.
Maui Recovery is a licensed luxury residential treatment center with only 8 beds, set on 20 acres overlooking the Pacific in Lahaina. Clients receive medical detox and residential treatment for substance use and mental health, with a typical stay of 30 to 90 days.
BCBS Massachusetts FAQ
Does Blue Care Elect cover rehab outside Massachusetts?
Blue Care Elect and other BCBS Massachusetts PPO plans include out-of-network benefits that aren’t limited to Massachusetts. Whether a stay is covered depends on prior authorization and your plan’s terms. A benefits check confirms yours.
What does “XXP” on my Blue Cross card mean?
The three letters at the start of your member ID are a prefix that tells providers which Blue plan you belong to. XXP is one of Blue Cross Blue Shield of Massachusetts’ prefixes. It doesn’t show your benefits, which is what a benefits check is for.
Is Maui Recovery in network with Blue Cross Blue Shield of Massachusetts?
No. Maui Recovery is an out-of-network provider.
Do I need prior authorization?
Yes. Non-emergency inpatient stays need prior authorization. Our team handles this for you.
What will I pay?
That depends on your plan’s out-of-network deductible, coinsurance and out-of-pocket maximum, and on any amount above the plan’s allowed charge. We’ll go over this with you after your benefits check.
Will my employer find out?
Your health information is protected by federal privacy law, and we don’t contact your employer.
Find out what your plan covers
Send us your insurance details and our admissions team will contact your plan, then walk you through what we find. Our billing team works directly with your insurance company, so you don’t have to handle claims or paperwork.
Prefer to talk? Call (877) 317-8260.
Maui Recovery is not affiliated with or endorsed by Blue Cross Blue Shield of Massachusetts or MIIA. Plan details vary by plan and year; your plan documents control. We cannot guarantee coverage or payment. Updated October 27, 2026.