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Addiction affects millions of families nationwide every day. While evidence-based addiction treatment can be effective, figuring out how to pay for treatment can be overwhelming for many and cause some to delay getting the help they need. If you or a loved one is struggling with addiction, there are several ways to pay for treatment.
Anthem Blue Cross and Blue Shield understands the importance of providing high-quality healthcare to its members, including treatment for behavioral health and substance use disorders.1 If you have Anthem insurance, some, if not all, of the cost for therapeutic interventions, could be covered.
Is Anthem Blue Cross Blue Shield?
Anthem Blue Cross is dedicated to improving community health and providing the highest value to its customers. That includes delivering accessible treatment options for people struggling with addiction and offering access to hundreds of in-network rehab centers.
As one of the leading insurance providers, Anthem offers multiple individual and family, employer, Medicare, and Medicaid health insurance plans.2 The Affordable Care Act (ACA) mandates that all insurance plans provide some degree of coverage for the medically necessary treatment of mental health disorders, meaning that your Anthem plan may provide coverage for the treatment of substance use detox and rehab.
Types of Anthem Insurance Plans
You’ll receive different Anthem Insurance benefits based on your specific health plan. There are 3 main types of health insurance plans available through Anthem Insurance:2
- Bronze Plans: These plans feature higher deductibles with lower monthly payments. Bronze health insurance plans are ideal for people or couples who only need or want coverage for medical emergencies and don’t visit the doctor often.
- Silver Plans: With Silver plans, members have lower deductibles than the Bronze level and average monthly payments. These plans work well for people and small families with typical healthcare needs. Eligible members can also receive certain cost reductions.
- Gold Plans: These plans have the highest monthly payments and the lowest deductibles. Gold plans cover most routine healthcare costs and are great for people and families with ongoing healthcare needs.
Medicare and Medicaid
Anthem Blue Cross health plans also provide coverage for people with Medicare or Medicaid. Anthem’s Medicare Advantage Plan, Medicare C, combines Medicare Parts A, B, and D to give members extra benefits beyond basic Medicare.3 Medicare C offers broader healthcare coverage in one low-cost, convenient plan.3 Anthem also provides Medicare Supplement plans to help cover deductibles, coinsurance, and copays not covered by basic Medicare plans.3
Anthem Insurance partners with many healthcare providers to offer Medicaid plans for low-income families and individuals.4 Eligible members can receive Anthem insurance benefits and coverage for different healthcare services, including substance abuse treatment.4
Using Anthem for Alcohol Addiction Treatment
Using Anthem Blue Cross health plans for alcohol addiction treatment is simple, and you can verify your insurance and find different rehabs in many ways.
Let’s take Laguna Treatment Hospital in California, for example. If you want to attend this facility for alcohol addiction treatment, a good first step would be to see if they accept Anthem Insurance. You could also call the number on the back of your insurance card to check your benefits. After that, you’ll better understand what’s covered under your insurance plan and the next steps to take to attend treatment.
Types of Detox Treatment Covered by Anthem Blue Cross
Anthem Blue Cross provides coverage for several therapeutic interventions, including detox. Detox is often the first step in addiction treatment.5 p. 32 When you stop using alcohol or drugs, your body must eliminate harmful substances.5 p. 32 Healthcare professionals can help patients through detox by providing certain medications to stop cravings and aid in the withdrawal process.5 p. 32 Different options for detox are available:
- Medical detox.
- Inpatient detox.
- Outpatient detox.
Types of Addiction Treatment Covered by Anthem
Everyone is unique, and what works for one person may not work for another.5 p.5 #2 That’s why many different options for addiction treatment are covered by Anthem Insurance. Some treatment options may work better for you depending on your unique needs and the severity of your addiction. Therapeutic interventions like behavioral therapies, group therapy, and peer support are available through different programs.5 p. 33-37
Inpatient rehabs offer a safe, supportive space with 24/7 access to care where you can separate from your daily environment and focus on recovery.5 p. 33-34 Outpatient services provide similar care to inpatient programs, but you can still live at home and tend to daily responsibilities.5 p. 35 Common types of addiction treatment that may be covered by Anthem Insurance include:
Finding a Detox and Rehab Covered by Anthem
It’s best to consult your primary care provider (PCP) to discover detox and rehabs that take Anthem. Your PCP can help you determine your options and find a suitable rehab facility using your Anthem insurance. Resources like the SAMHSA treatment locator can also help you find treatment.
If you want to learn more about what is covered under your specific plan, contact the rehab you’re interested in and have them verify your coverage. You can also call the number on the back of your insurance card or reach out to American Addiction Centers (AAC) for assistance. Contact us online or call our helpline to speak directly with an admissions representative who can answer any questions and check your benefits while you’re on the phone.
Starting the journey to recovery can be difficult, but seeking treatment opens the doors to a healthier, happier life. If you’re ready to seek treatment, we’re here to help you along the way.
Other Insurances That Cover Detox & Rehab
- Blue Cross Blue Shield
- Bright Health
- Kaiser Permanente
- Without Insurance