Rehab can be expensive, there’s no doubt about that. Thankfully, most insurance plans provide some form of coverage for addiction treatment. Anthem is an independent licensee of the Blue Cross and Blue Shield (BCBS) Association. Learn more about Anthem drug rehab coverage policies and treatment options.
Since Anthem is an independent licensee of BCBS, members can take advantage of out-of-state providers. Of course, policy plans and coverage vary based on state, which is why you have to check with your provider to verify the coverage details for your state.
Anthem Coverage for Substance Abuse Treatments
There are many different insurance plans you can choose from. But, overall Anthem BCBS insurance plans offer substance abuse and mental health coverage benefits. The level of coverage and light will depend on your specific policy.
The majority of medically-necessary treatments are approved. These include alcohol and drug detox, or medication-assisted treatment, for example. However, most Anthem plans authorize treatment for a specific amount of time. It’s essential to check with your provider to see what’s covered.
Inpatient vs. Outpatient Insurance Coverage
When considering treatment, some people might need an inpatient rehabilitation program, while others are moving towards an outpatient plan instead. Insurance coverage can vary tremendously depending on your plan.
For inpatient stay, you’re often responsible for a certain amount of the cost of treatment. Most patients are accountable for a set copay and a coinsurance percentage to start treatment.
For outpatient care, the coverage varies even more. Sometimes you’ll be responsible for a set percentage amount for a specific amount of time. Other plans will charge patients a copay per visit to their treatment center.
How to Verify Coverage
The first step to reap the benefits of your insurance plan is to verify coverage. Contact your insurance provider to help you find treatment facilities in your area that are in-network. Additionally, you can always reach out to our admissions office. Use our insurance verification form to find out if your insurance policy covers drug rehab.
More than that, you want to ask about what’s covered under your policy and for how long will these benefits extend. Sometimes people need to be in a rehab center for 30 days or 90 days. After all, addiction recovery is a long-term process. Some insurance companies will stop covering after a specific period of time. Our admission specialists can help you find out the length of your coverage.
How to Pay for Rehab If My Anthem Plan Doesn’t Cover It
Don’t let your insurance stop you from seeking substance abuse treatment. There’s no better time to seek treatment for drug abuse than today. After all, seeking help for your addiction will be the best investment you’ll ever do for yourself. Your path to recovery can still happen.
At Lighthouse Recovery Institute, we offer various payment plans to help you afford treatment. Other alternatives include seeking out a loan. You can also check if your company’s insurance provides employee assistance programs that could cover drug rehab. You’ll be surprised how many family members and friends are willing to help you pay for your treatment program.
Stop using money or your financial situation as an excuse for seeking drug or alcohol addiction treatment. If you or someone you know is struggling with substance abuse, contact us today to get started. We’ll look at your Anthem BCBS insurance policy and verify what’s covered. If you don’t have coverage through your insurance, we’ll work tirelessly to find other alternatives. Our priority is to help you find the help you need to get better.