An Overview of Anthem BCBS Drug Treatment
Anthem Inc. is an independent licensed operator of the Blue Cross Blue Shield brand. Anthem Inc. is headquartered in Indianapolis, Indiana, and has a vast network of rehab service providers in its network. Many of these facilities will accept your insurance for payment for drug addiction treatment. The company was established in the 1940s and was originally known as Wellpoint Inc. As a result of a merger between Anthem Inc. and Wellpoint Health Networks in 2004, the new company Anthem Inc. emerged. Anthem currently serves more than 74 million clients and operates in 50 states across the country.
Does Anthem Provide Coverage For Substance Abuse Treatment?
Yes, it does. The passage of the Affordable Care Act (ACA) made it mandatory for insurance providers to provide mental and behavioral health treatment as part of their essential health benefits to their customers. Drug and alcohol treatment services are categorized under mental health treatment.
Anthem BCBS provides different levels of coverage for the treatment of substance abuse as part of its overall behavioral healthcare plan. All Anthem plans offer some type of coverage for both partial hospitalization and intensive outpatient rehab programs. The type and extent of coverage provided vary across different plans. To find out if the Anthem drug treatment program you wish to enter is covered, you’ll need to contact the facility for an insurance benefits verification.
What Are The Different Levels of Plans Offered By Anthem BCBS?
Anthem BCBS offers members four basic health insurance plans that are similar to those offered by your regular Blue Cross Blue Shield. You can pay for your addiction treatment at Recreate Life Counseling using any of the following plans:
Bronze Plan: With your bronze plan you can expect up to 60% coverage for your medical expenses. This plan offers the lowest monthly premium. You will, however, incur higher deductibles and out-of-pocket expenses.
Silver Plan: Your deductibles and out-of-pocket expenses are significantly reduced with a silver plan. The monthly premium for this plan is comparatively higher than the bronze coverage. Typically, a silver plan covers up to 70% of your expenses.
Gold Plan: A gold plan comes along with more benefits, reduced out-of-pocket expenses, lower deductibles, but with a higher monthly premium. The gold plan provides up to 80% coverage for your expenses.
Platinum Plan: Your platinum plan attracts the highest monthly premium and offers up to 90% coverage of your expenses. Your deductibles and out-of-pocket expenses are the lowest.
Benefits of Having an Anthem BCBS Insurance Policy
Being a Blue Cross Blue Shield licensed operator, Anthem provides coverage benefits for the following BCBS approved addiction care services:
- Medical Detoxification
- Inpatient rehab programs
- Outpatient rehab programs
- Partial Hospitalization Programs (PHP)
- Behavioral health resources
- Aftercare services
In order to be qualified to receive coverage for these services, you need to meet certain requirements stipulated in your Anthem policy.
Typically, your coverage will depend on a number of factors such as:
- The projected duration of your inpatient rehab stay
- The type of Anthem plan you currently own
- The cost-effectiveness of the treatment program
- The severity of your substance use disorder
- Your state of residence
- The medical necessity of the particular service
In the event that your healthcare provider deems it necessary for you to enter an extended inpatient Anthem drug rehab program, they will have to contact Anthem well in advance, explaining the reason for your extended rehab stay.
No doubt, as more improvements are made in the level of care offered by the mental healthcare industry, the cost of addiction treatment will continue to increase. For individuals and families with an insurance plan, this shouldn’t pose much of a challenge.
Having an insurance policy such as Anthem BCBS, empowers you to receive the treatment you deserve from some of the best Anthem drug rehab facilities without having to worry about your financial involvement.
How Do I Verify My Anthem BCBS Insurance?
At Recreate Life Counseling, we understand what individuals and their families undergo when addiction affects a family member. The last thing you will want to add to your list of burdens is understanding how insurance works. This is why our admission counselors are available and willing to help you navigate that complex terrain.
When you give us a call, we can then proceed with a confidential and free verification of your insurance policy. With several years of experience working with some of the leading insurance companies, our professionals have become very proficient in handling verifications on behalf of our clients. Start your recovery in one of the best Anthem BCBS drug treatment centers today.