Unfortunately, this misinformation affected insurance companies for a long time too, which led to their refusal of coverage for drug and alcohol treatment centers. This is finally starting to change, though.
Those who have health insurance through a company called Anthem can often get help paying for drug rehab programs they may not otherwise be able to afford.
Does Anthem Cover Addiction Treatment?
Anthem is a subsidiary of Anthem Blue Cross Blue Shield company. It has many of the same benefits as the larger company, so its plans are structured in a similar way.
The first Anthem plan is called the bronze coverage plan. It covers about 60 percent of a person’s medical expenses. Most people choose it because it has low monthly payments. The deductible that goes with it is higher than for the other plans. Deductibles have to be paid before Anthem will begin to cover any of the medical bills.
The second plan is called the silver coverage plan. It is similar to the bronze plan, but it pays up to 70 percent of a person’s medical expenses.
The gold coverage plan is better since it pays 80 percent of the expenses. Its deductible is much lower. The platinum coverage plan is considered the best plan of all as it covers 90 percent of the medical expenses.
But those who have a platinum plan often have the highest premiums to pay. Anthem customers who have plans with the highest amount of insurance coverage are more likely to have the majority of their treatment at a drug and alcohol rehab center covered.
How To Use Your Anthem Plan For Addiction Treatment
Using Anthem insurance to pay for addiction treatment is a fairly easy process. All a person has to do is contact the insurance company to let them know that they need help.
Anthem will then review their policy to let them know how much of treatment they will cover. Some of the most common drug and alcohol rehab programs that the company allows include detoxification, inpatient and outpatient treatment, and partial hospitalization.
They also offer case managers for those who need assistance with finding doctors or medical resources. However, it is important to mention that using Anthem insurance to pay for addiction treatment may require approval from a doctor before the person can enter treatment.
Also called prior authorization, pre-approval may be required if the policyholder has never been to a drug and alcohol rehab center. This is because the insurance company will want to verify the validity of their current mental and physical health.
They may also ask for drug testing to be done. Usually, a person’s primary care physician can handle this as long as they are on Anthem’s list of approved physicians.
List Of Anthem Plans By State
Rehab centers that accept Anthem insurance are limited because the company only offers insurance plans in the following four states:
Finding A Rehab Center That Accepts Anthem Insurance
Finding rehab centers that accept Anthem insurance is difficult because of the limited amount of states Anthem plans are offered in. Unfortunately, this can make it take much longer for an addicted person to get the treatment that they need.
For this reason, we highly recommend a phone call to one of our representatives ahead of time, especially if someone is struggling with an addiction to a substance that could cause dangerous withdrawal symptoms.
By contacting us first, we can save an enormous amount of time by quickly matching an addicted person with a drug and alcohol treatment center that will accept their insurance.
That way, it will be easier for them to focus on their recovery without worrying about paying for drug rehab with Anthem insurance.
Those who need help sorting through their Anthem insurance information regarding what Anthem will cover can give us a call for help. Our treatment specialists can help with finding a rehab facility that will best fit their health and financial needs.
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