Millions of teens and adults in the United States seek drug and alcohol abuse treatment each year. Before seeking treatment, you’ll need to determine how you plan to pay for your treatment services. If you or your loved one has health insurance, you may be able to use your insurance to pay for some or all of your treatment costs.
Recovering Champions is an accredited rehab facility that is in-network with Anthem Blue Cross Blue Shield (BCBS) and other insurance providers. Anthem health insurance is a leading insurance company in the United States that offers coverage for a wide range of mental health and substance abuse treatments.
If you have Anthem BCBS insurance and are in need of substance abuse treatment, it may help to learn about the types of drug treatment programs that are eligible for Anthem insurance coverage.
Does Anthem Blue Cross Blue Shield Cover Drug Abuse Treatment?
The short answer is: Yes. Most Anthem BCBS insurance plans include mental health and substance abuse rehab benefits. The amount of coverage you have may depend on several factors.
Factors that can affect your Anthem rehab coverage include:
- type of Anthem health plan
- coverage eligibility requirements
- type of treatment program
- where you live in the United States
Not all Anthem BCBS health plans offer the same level of coverage. Depending on the type of treatment program you are looking for, and the New England rehab center you choose, you may be responsible for covering a percentage of treatment costs out-of-pocket.
Anthem BCBS Coverage Levels And Plans
Anthem BCBS offers a variety of health insurance coverage options. The type of health plan you have can affect your addiction treatment coverage, monthly premiums, and requirements for co-pays and deductibles.
Anthem health plans under the Affordable Care Act include:
- Bronze: This tier offers the lowest monthly premiums, but comes with the highest deductible. This plan covers about 60 percent of medical costs.
- Silver: The Silver health plan has higher monthly premiums than the Bronze tier, but has a lower deductible. Anthem covers about 70 percent of medical costs with this plan.
- Gold: The Gold plan has higher monthly premiums, but a lower deductible than Silver and Bronze plans. About 80 percent of medical costs are covered.
- Platinum: With Anthem’s Platinum plan, your insurance provider covers 90 percent of medical costs. This plan comes with the highest monthly premium, but the lowest deductible.
Your Anthem insurance coverage for substance abuse treatment may vary based on whether you are covered under an HMO or PPO plan. This can affect your network of treatment providers.
Anthem BCBS also offers Medicare and Medicaid coverage options for those who qualify. Only certain Massachusetts rehab centers may accept Medicare and Medicaid as payment options.
Treatment Programs Eligible For Health Insurance Coverage
Anthem Blue Cross and Blue Shield offers behavioral health care benefits that may be used to pay for drug and alcohol treatment programs at some New England rehab centers.
Anthem BCBS behavioral health services eligible for coverage include:
- inpatient treatment
- acute residential programs
- partial hospitalization
- outpatient programs
- prescription drugs
- outpatient therapy
Anthem Insurance For Detox
Anthem insurance may be used to help cover drug and alcohol detox costs. Medical detox is often the first step towards overcoming substance abuse and addiction. These are acute programs that generally last between 3 to 7 days.
Anthem Insurance For Inpatient Treatment
Inpatient treatment programs offer the highest level of care for drug and alcohol addiction. Inpatient rehab centers offer 24-hour supervision, individual treatment services, group therapy, and other treatments, depending on the treatment center.
Anthem insurance may be used to pay for inpatient and residential rehab. Inpatient rehab coverage amounts vary by state, insurance policy, and the treatment provider.
Anthem Insurance For Outpatient Treatment
Anthem health insurance can be used to pay for an array of outpatient treatment programs and behavioral health services as long as you choose an in-network provider.
These outpatient treatment programs include:
- partial hospitalization (day treatment)
- intensive outpatient
- outpatient programs
- outpatient therapy
- medication-assisted treatment
Not all outpatient treatment services are covered the same. Anthem BCBS may only cover certain types of outpatient behavioral health services, such as behavioral therapy and medication-assisted treatment for opioid addiction. These are standard, evidence-based treatments offered by a wide range of in-network treatment providers.
Using Anthem Health Insurance To Pay For Drug And Alcohol Rehab
If you’re planning to use your Anthem insurance to pay for rehab, consider the following. First, it’s important to check whether your insurance provider requires that you get a referral or precertification to be eligible for treatment coverage.
You may also need to meet a deductible in order to use your behavioral health benefits for drug treatment. Your insurance provider may also require co-pays for treatment. Your copayment amount will depend on the type of Anthem health plan you have. Lastly, Anthem may only authorize insurance coverage for a specified length of stay in a treatment program. Long-term treatment coverage can vary.
Finding Massachusetts Addiction Treatment Centers That Accepts Anthem Insurance
If you’re looking for drug or alcohol rehab for yourself or a loved one with Anthem BCBS insurance in Massachusetts, one of our addiction specialists at Recovering Champions may be able to help.
Recovering Champions is an accredited rehab facility in Cape Cod, Massachusetts. We offer treatment for substance use disorders and mental health treatment through our dual diagnosis program.
With your permission, our addiction specialists can:
- verify your insurance coverage
- determine which treatment options may be covered by your insurance
- help you find the right treatment program for you
The COVID-19 pandemic hasn’t kept us from helping Massachusetts residents access life-saving addiction treatment. Call us today to verify your insurance coverage and learn more about our drug addiction programs.