Anthem Blue Cross and Blue Shield for Therapy

 

What Is Anthem Insurance & Does Anthem Cover Therapy?

Anthem insurance is an HMO insurance plan with a Medicare contract that is part of Blue Cross Blue Shield. It is one of the biggest health insurers in the United States

Anthem offers individual as well as family plans that offer affordable coverage options. There are small business options for businesses that have 2 to 50 employees (or 2 to 100 depending on the state you are in). They offer coverage in a nationwide network of medical providers, hospitals, and care facilities throughout the United States.

What are Anthem’s Types of Plans?

Anthem’s types of plans are all named after metals, with each metallic level based on how the plan will split healthcare costs with you. These are:

• • Bronze – lowest premium, highest deductible, covers up to 60% of medical expenses

• • Silver – insurance pays up to 70% of medical expenses, with higher monthly payments and lower deductibles than bronze level

• • Gold – with even higher monthly premiums and lower deductibles, the gold level will cover 80% of medical expenses

• • Platinum – highest monthly premium with the lowest deductible, platinum members have up to 90% of their expenses paid

Alcohol & Drug Rehab Facilities Near Me That May Accept Anthem

Throughout the country, there are hundreds of treatment centers that accept Anthem insurance. Resurgence Behavioral Health is a safe, reliable, and welcoming alcohol detox and drug rehab treatment center in California you can count on, with all levels of care, from medical detox, through inpatient and outpatient drug rehab programs, including partial hospitalization programs (PHP) and intensive outpatient programs (IOP). We have a variety of treatment options to choose from, and will work with you to create a customized treatment plan to help you become the sober version of yourself you want to be.

Call today at (855) 458-0050 to verify drug rehab insurance or learn more about the treatment options that will be most beneficial to you.

Am I an Addict Addiction Quiz Test

Does Anthem Insurance Cover Drug Rehab Treatment?

Yes, Anthem insurance will cover drug and alcohol rehab treatment. Because of recent changes to laws regarding health care, all medical insurance companies now must provide behavioral health services coverage, which includes substance abuse rehab, and all necessary treatments for dual diagnosis. Anthem is also known for covering services that relate to the health of its members, like medication, preventative care, and more.

The extent to which your treatment will be covered depends on which insurance plan you have, as well as the treatment provider.

How to Check Your Anthem Insurance Coverage for treatment 

There are several methods you can use to check your coverage and benefits, You can:

• • Call Us and provide your insurance information to check your coverage and benefits

• • Call the phone number on the back of your insurance card to learn about coverage directly from the company. The operator will also be able to help you find in-network rehab centers near you
  • Visit the Anthem website and create a profile. Then you will be able to easily view your information by clicking “My Plan”, and selecting “Benefits”. The website also offers a tool that helps estimate the costs of different treatments

Learn What Anthem Insurance Covers

The types of insurance plans Anthem offers are:

• • Health care plans to fit any budget, including $0 preventative care visits, $0 virtual care, and $0 prescription coverage for many common medications. Some financial assistance is available to those who qualify

• • Dental insurance, with up to 100% coverage for preventative cleanings, exams, and X-rays with in-network dental care providers

• • Vision plans, with 100% coverage for checkups and eye exams, as well as allowances to purchase glasses or contact lenses. Purchase your vision plan on its own, or add it to the health or dental plan

• • Supplemental insurance plans, including accident, critical illness, and hospital recovery plans will lessen the burden of unexpected life events

• • Limited-duration insurance plans that offer doctor’s visits, prescriptions, and more on a short-term basis, perfect for people who are between jobs or don’t qualify for subsidies

When it comes to rehab, depending on your individual plan, the state you are in, and the provider. Some services are approved if medically necessary, so Anthem may cover:

• • Alcohol, opioid, and benzodiazepine medical detox programs

• • Individual therapy for substance use disorders and other mental health conditions

• • Other types of therapy including cognitive behavioral therapy, dialectical behavioral therapy, experiential therapy, and others

• • Medication-assisted treatment (MAT) like Suboxone programs (if preauthorized) to help lessen the severity of withdrawal symptoms

• • Treatment management by licensed caregivers

• • Access to contracted rehab facilities

Does Anthem Insurance Cover Mental Health & Substance Abuse Treatment?

Does Anthem cover therapy? Indeed, Anthem does provide coverage for both mental health and substance use disorder treatments. In the United States, behavioral health therapies and mental health treatments are regarded as essential health care. Depending on the specific plan, Anthem may cover the entire cost of dual diagnosis care, or it might offer partial payments.

Does Anthem Insurance Cover Inpatient Drug Rehab?

Yes, Anthem insurance covers inpatient drug and alcohol addiction treatment. This includes inpatient medical detox and inpatient (residential) drug rehab programs, as well as acute inpatient hospitalization. This way you can live inside a sober, structured environment as you begin the hard work it takes to overcome addiction.

Does Anthem Insurance Cover Intensive Outpatient Rehab?

Yes, Anthem covers intensive outpatient programs (IOPs), allowing you to live at home (or they may cover the cost of sober living homes if necessary), while getting the treatments you need. IOP programs usually offer therapy, doctor’s visits, group meetings, and more in the evenings or on weekends so you can continue living your life as normally as possible while in treatment.

Does Anthem Insurance Cover Partial Hospitalization?

Yes, Anthem covers partial hospitalization plans (PHPs), allowing you to live at home (or in a sober living home in some cases) and receive therapy several hours a day, usually 5 to 7 days per week. Partial hospitalization programs are often short-term and are used to help a person transition between inpatient treatment and a fully outpatient program.

How Long Will Anthem Insurance Cover Rehab?

Common time spent in inpatient treatment ranges from 30 to 90 days, or sometimes longer, depending on your unique circumstances and health needs. The treatment length that is covered depends on the specific insurance policy you have, as well as a variety of other factors like:

• • What your medical doctor recommends

• • Whether treatments are considered cost-effective and appropriate

• • The type of substance that is being abused, and how long you have been using it

• • Whether you have a co-occurring mental health condition that needs dual diagnosis treatment

• • If you are having legal issues, problems at home, or issues at work or school, or have demonstrated need

• • Whether you have already tried a less intensive level of care and relapsed (showing the need for a more intensive treatment plan)

This is why it is important to verify your coverage with Anthem beforehand. This way you will know what treatments are covered, and what you may need to pay for out of pocket.

What types of therapy does Anthem Blue Cross and Blue Shield cover?

Some of the types of addictions that Anthem drug rehab insurance will cover treatments for include:

• • Alcohol addiction

• • Drug addiction

• • Prescription drug addiction

• • Co-occurring disorders

• • Trauma-related disorders

• • Mental health disorders

What types of therapy does Anthem Blue Cross and Blue Shield NOT cover?

Anthem Blue Cross and Blue Shield does not cover life coaching, career counseling, or holistic treatment modalities like aromatherapy, massage therapy, or non-medically required acupuncture. It also does not cover energy work such as reiki healing.

Anthem Blue Cross and Blue Shield requires therapists to be professionally credentialed and offering evidence-based treatment appropriate for the diagnosis.

Verify Your Drug Rehab Insurance with Us

If you or a loved one is trying to figure out the cost of rehab, or if you are wondering how to get started down your own road to recovery, you can call Resurgence Behavioral Health today and speak with an expert at (855) 458-0050. We can help verify your insurance, and help you understand what costs will be involved (deductibles and out-of-pocket costs). You may also visit our website and fill out our insurance verification form.

Does Anthem Blue Cross and Blue Shield cover couples therapy?

Whether Anthem Blue Cross and Blue Shield covers couples counseling depends on the plan. Generally, health insurance plans do not cover couples therapy. This is partially because there cannot be a diagnosis to base the reimbursement upon. However, some Anthem Blue Cross and Blue Shield plans may provide coverage at the same or differing rates as individual therapy. To see if yours does, visit your Summary and Benefits document.

However, many couples still benefit from seeing a therapist together. If your Anthem Blue Cross and Blue Shield health insurance plan does not include a couples counseling benefit, there may be ways to decrease the cost of couples therapy and counseling.

Next Steps with Insurance Coverage for Drug Rehab Treatment with Resurgence Behavioral Health

Our team is standing by now to take your call. Even if you are not sure you are ready to go to rehab, we can help you understand your options so you can make an informed decision when the time is right. Our intake specialist can work with you to customize a program that will help you overcome the underlying causes of addiction, begin to heal painful emotions and trauma and work towards building your physical and mental wellness, one step at a time. We offer detox, outpatient rehab, and inpatient drug rehab programs in California that will ensure you are in the right level of care for your unique needs, with support at every step. Call now to find out more: (855) 458-0050.