Available in all 50 states, Anthem Blue Cross Blue Shield (BCBS) offers both domestic and international health insurance policies and is accepted by most physicians and specialists worldwide.
Anthem BCBS has insurance plans that do cover inpatient or outpatient addiction treatment. They also help partially pay for residential detox programs and partial hospitalization.
How To Determine Anthem BCBS Benefits For Substance Abuse Treatment
Anthem BCBS insurance verification and health coverage for substance abuse treatment can be determined by:
- calling the number on the back of your insurance card
- reading your policy statement from the insurance company
- contacting the treatment center you are interested in learning more about
Does Anthem BCBS Cover Detoxification Programs?
Completing a medically supervised detox program is essential for most individuals seeking substance abuse treatment. Detoxing is a way to “clean” the body of drugs and alcohol in a hospital-like setting.
Anthem BCBS may cover portions of a detox program. How much BCBS insurance covers depends on whether you have bronze, silver, gold or platinum coverage. “Bronze” coverage pays 60 percent of detox expenses while “Platinum” coverage pays 90 percent.
Does Anthem BCBS Cover Inpatient Drug or Alcohol Rehab?
Yes. How much Anthem insurance pays for residential drug or alcohol rehab depends on the level of coverage for which you pay premiums.
Inpatient drug or alcohol rehab programs are meant for individuals who need intensive, structured care 24/7 for severe alcohol or drug addiction. Entering a residential treatment program means you will live at the center until you have completed the rehab program.
Does Anthem Blue Cross Blue Shield Cover Outpatient Drug or Alcohol Rehab?
Outpatient treatment for substance use disorders allows individuals to take care of family and work obligations. Instead of remaining full-time at a treatment facility, you visit the center several times a week for various treatment options and behavioral health care.
Anthem BCBS does pay for outpatient treatment, but the amount of coverage depends on the insurance benefits of your plan.
Does Anthem BCBS Cover Intensive Outpatient Treatment?
Intensive outpatient programs (IOPs) address individuals with a dual diagnosis of substance abuse and a mental illness such as severe anxiety, major depression or bipolar disorder.
IOP treatment is frequently used to help people transition from a residential treatment program to an outpatient program by focusing on relapse prevention and coping strategies.
Anthem BCBS may cover a portion of an IOP treatment program. Insurance plans with higher premiums will naturally cover more expenses for IOP treatment.
Does Anthem Blue Cross Blue Shield Cover Partial Hospitalization Programs?
A person with a substance use disorder may need to enter a partial hospitalization program (PHP) if they have a serious medical condition that requires immediate attention.
PHPs are also an option for individuals who have been hospitalized for an addiction and subsequently discharged.
Anthem BCBS does pay partial coverage for PHPs. However, previous authorization is required from Anthem before your policy begins paying for substance abuse treatment.
Does Anthem BCBS Cover Methadone Or Suboxone Treatment?
Methadone and Suboxone are the most commonly used medications to treat opioid addictions. They are both considered a type of medication-assisted treatment that helps reduce withdrawal symptoms and cravings.
Coverage for methadone or Suboxone treatment requires the policy holder to obtain preauthorization from Anthem.
Does Anthem BCBS Cover Medication-Assisted Treatment For Alcohol Addiction?
Anthem BCBS alcohol treatment coverage depends primarily on policy types and state guidelines. However, medication assisted treatment (MAT) and many other medically necessary services are approved for partial coverage by BCBS.
Learn more about Anthem’s insurance coverage allowances for substance abuse and mental health treatment services by contacting them or a rehab facility.
Where Are Anthem BCBS Plans Available?
According to their website, Anthem BCBS operates 36 independent companies across the U.S. that offers health insurance in all 50 states.
States where Anthem BCBS plans are available include:
- Anthem Blue Shield of California
- Anthem BCBS Colorado
- Anthem BCBS Connecticut
- Anthem BCBS Indiana
- Anthem BCBS Kentucky
- Anthem BCBS Maine
- Anthem BCBS Missouri
- Anthem BCBS Nevada
- Anthem BCBS New Hampshire
- Anthem BCBS Ohio
- Anthem BCBS Virginia
- Anthem BCBS Wisconsin
Types Of Anthem BCBS Health Insurance Plans
Basic insurance plans offered by Anthem BCBS include:
- Platinum coverage: pays approximately 90 percent of medical costs
- Gold coverage: pays approximately 80 percent of medical costs
- Silver coverage: pays approximately 70 percent of medical costs
- Bronze coverage: pays approximately 60 percent of medical costs
The more medical expenses a plan covers, the higher your premium will be. Also, lower premiums means your deductible will be higher before the plan begins paying your medical costs.
Contact Ark Behavioral Health today to get help verifying your insurance coverage for substance abuse treatment.