If you or a loved one struggles with a drug misuse disorder, you may be able to use your Anthem health insurance plan to help pay for rehab. Anthem Blue Cross rehab coverage includes programs that offer help for substance abuse rehabilitation. Also, plans may cover detox, therapy, and other necessary services. Indeed, this insurance provider offers services that address a person’s complete mental and physical well-being.
For this reason, this company provides coverage for mental illness, including depression and anxiety. Since these two mental issues can play a key role in drug misuse, it is important to receive treatment for them as well. Holistic care may be the foundation for a life of sobriety.
Anthem is the parent company of Anthem Blue Cross and Blue Shield. This whole organization covers more than 70 million people through its affiliations. In fact, 15 percent of United States citizens receive care from Anthem insurance coverage.
How Much Anthem Blue Cross Rehab Coverage is in Each Plan?
The Anthem Blue Cross rehab coverage extent depends on a member’s insurance plan. At Harmony Place, we try to make recovery easier. We understand that paying for treatment can prove to be difficult for many of our patients. Therefore, it is helpful to lean on insurance coverage. We accept a wide variety of insurance providers, including Anthem. If you would like to learn more about this, it may be a good idea to contact your insurance agent to determine the exact level of coverage for drug misuse treatment.
Anthem Coverage Levels and Plans
There are three basic coverage levels for Anthem. This makes it more affordable and easier to fit into anyone’s budget.
- Bronze: The “bronze” plan delivers the smallest monthly premiums. On the other hand, it brings the highest deductibles and co-payments.
- Silver: The “silver” plan comes with premiums that are more expensive than “bronze” but have lower deductibles and copayments.
- Gold: The “gold” plan offers the highest level of coverage but brings the most expensive monthly premiums. However, it provides the least costly deductibles and co-payments.
Anthem’s Out-of-State Coverage
To be sure, one of the most important benefits of Anthem is its nationwide network of BCBS providers. In other words, when an individual wishes to attend treatment in a clinic that is far away from his or her home, it is possible to take advantage of “guest membership”. This allows the person to connect with an affiliated HMO that is located in another state. However, the person must live there for at least 90 days. This is extremely convenient for a person who is choosing inpatient treatment for a drug misuse disorder.
Does Anthem Cover Inpatient and Outpatient Addiction Treatment?
Anthem provides coverage for certain inpatient drug misuse treatment facilities. However, not all individuals can take the time to live in a clinic for constant treatment. Therefore, outpatient treatment is necessary. Luckily, Anthem covers most outpatient services. This includes IOPs and PHPs. Certainly, this insurance provider covers sessions with therapists who perform cognitive behavioral therapy or dialectical behavioral therapy.
More About Anthem Blue Cross Rehab Coverage
Again, a person’s plan dictates the exact level of coverage they can receive for addiction treatment. Anthem Blue Cross rehab coverage varies by state, member, and care provider. However, services are approved when deemed medically necessary. Therefore, detox for alcohol, opioids, and benzodiazepines are commonly covered.
When a person has a question about his or her plan, it is best to check with Anthem. In fact, member services are available by phone and by the insurance company’s website. It is important for a person to understand that his or her plan authorizes a set amount of time that he or she can spend in treatment.
Does Anthem Cover Treatment for Co-Occurring Disorders?
Markedly, there are a number of individuals who suffer from a substance misuse disorder and a mental illness at the same time. This is known as a co-occurring disorder. Anthem covers mental health care and offers individuals access to a large network of care providers. In other words, a person’s mental illness may be addressed so that the substance misuse problem can be solved.
How Anthem Aids in the Rehab Process
Certainly, there are a number of circumstances when Anthem covers the price of professional rehab treatment. However, an insured individual may be responsible for paying a few expenses. As previously discussed, a person may be required to pay a deductible and to make co-payments. Also, pre-authorization may be necessary to receive coverage. It is essential for a person to comprehend his or her medical plan and to speak with an insurance representative about pre-certification requirements.
Coverage for Medication-Assisted Treatment for Addiction
During addiction treatment, it is common for a person to be prescribed medication to make the process go more smoothly. Indeed, it is vital to make detox and rehab as comfortable as possible. Using certain medications under professional supervision can ease the situation so that a person experiences fewer symptoms, stays the course, and continues recovering. It is an essential part of long-term recovery.
Therefore, it is vital to have these medications covered under insurance. In fact, Anthem covers Suboxone, a drug that is used to treat opioid misuse. It assists with withdrawal symptoms and lowers cravings. However, an individual may require pre-authorization for coverage. Without insurance, this medicine is extremely expensive. In detail, the generic of Suboxone can cost up to $200 each month. Insurance coverage makes this drug much more affordable.
Anthem Blue Cross Rehab Coverage at Harmony Place
Harmony Place accepts Anthem insurance for addiction treatment. Our rehab center offers treatment for substance misuse and co-occurring disorders in a safe and comfortable environment. A person may take advantage of both inpatient and outpatient services, which include a variety of therapy options. You can reach out to our team to help you verify insurance coverage and seek help toward long-term recovery. For more information about our center or the coverage of an Anthem plan, feel free to reach out to us today.