Finding the help you need for addiction can be a stressful and daunting task all on its own—but it can be made that much more difficult without knowing your insurance coverage options. Knowing that part or all of your addiction treatment costs are covered can help relieve some of your stress. And this is where insurance companies—like Anthem Blue Cross—come into play.

Anthem Blue Cross strives to be a reliable insurance provider, offering coverage for various addiction treatment options. At the United Recovery Project, we proudly work with Anthem Blue Cross and other insurance companies to help you navigate your rehab services. Below, we explore Anthem Blue Cross rehab coverage in further detail—as well as ensure you have all the information you need for accessible and affordable care.

Anthem Blue Cross Insurance Coverage for Rehab Treatment - United Recovery Project
Source: www.anthembluecross.com
Verify Your Insurance

Don't wait another day – take the first step! Recovery is possible with United Recovery Project!

Verify Your Insurance

Overview of Anthem Blue Cross Insurance for Addiction Treatment

Anthem Blue Cross, like other insurance companies, is required to offer some form of coverage for addiction treatments similar to other health conditions. This was all made possible by the Affordable Care Act (ACA), enacted in March 2010. If you have Anthem Blue Cross Insurance, it’s likely that your addiction treatment is partially or fully covered; it all depends on your exact plan.

Overall, Anthem Blue Cross strives to be a reliable insurance provider. As part of Blue Cross Blue Shield (BCBS), you may also have the advantage of coverage options within the BCBS network.

Common services covered by Anthem Blue Cross include detox programs (often deemed medically necessary), inpatient treatment, outpatient programs, and even some aftercare services—depending on your specific policy.

Anthem Blue Cross has three main tiers for coverage plans, including:

  • Bronze: With the lower monthly premiums, this plan has the highest deductible and co-pays. After your deductible is paid, Anthem will typically cover about 60% of your treatment costs.
  • Silver: This is the tier up from Bronze, meaning it has higher monthly premiums but lower deductibles and co-pays. Anthem covers about 70% of medical costs after your deductible.
  • Gold: With the highest monthly premiums and lowest deductibles, co-pays are lower than other options, and Anthem covers 80% of medical costs after your deductible.

However, coverage specifics—such as full or partial coverage—vary based on your individual plan. Thus, it’s essential to verify your individual insurance policy to avoid unexpected financial costs.

Types of Rehab Services Covered by Anthem Blue Cross

More specifically, Anthem insurance addiction treatment may cover detoxification programs, inpatient care, outpatient care, and more.

We’re here to help you!

Call Now: 888-960-5121

24/7 Addiction Helpline

Start your journey
at United recovery project

Detoxification Programs

Detoxification programs are a necessary part of substance abuse treatment. This initial step involves detoxifying from the abused substance under 24-7 medical supervision to monitor and manage withdrawal symptoms. As such, many insurance plans, including Anthem Blue Cross, will partially or fully cover this treatment.

Inpatient and Residential Rehab

Inpatient treatment involves staying in a facility or hospital during your care or program. These programs tend to be a bit more expensive than outpatient care. Thus, they may cost a bit more. Your specific insurance plan may cover part of these costs.

Outpatient Programs (PHP, IOP)

Beyond inpatient treatment, Anthem Blue Cross will often cover outpatient options. This may include partial hospitalization treatment (PHP) and intensive outpatient treatment (IOP). Your plan may also include coverage for one-on-one therapy sessions and other therapeutic treatments. It’s always important to check the specifics of your individual plan to determine your eligibility and exact coverage details.

Eligibility and Pre-Authorization

Pre-authorization is essential to ensure you don’t end up with unexpected financial expenses, which, inevitably, can add stress and setbacks to the rehabilitation process. Essentially, pre-authorization involves approval of your treatment in advance.

To do this:

  1. Reach out to Anthem Blue Cross. You can either call the number on the back of your insurance card or visit Anthem.com to create or check your profile.
  2. Ask specifically about the services you intend to receive and whether they are covered under your policy.
  3. Submit the necessary paperwork for pre-authorization.

If this sounds overwhelming, the United Recovery Project is here to help. We can guide you through this process and help verify your insurance. Call us at 888-960-5121 for more information.

Using Anthem Blue Cross Insurance at United Recovery Project

The United Recovery Project is committed to helping individuals find affordable and accessible care to overcome addiction and get their lives back on track. Together, we can navigate the insurance process to help you maximize your benefits.

Understanding out-of-pocket costs, limitations, and the steps to verify your insurance can help you take that next step. So, let’s take a closer look. What should you know? What should you do next?

Out-of-Pocket Costs and Limitations

Insurance terminology can be confusing, especially when trying to navigate an emotionally taxing situation. Here are a few terms that are useful to know when taking a closer look at your Anthem Blue Cross insurance:

  • Deductibles: This is the amount you must pay out of pocket before your insurance coverage begins. After this point, your insurance often covers a percentage of your rehab costs.
  • Coinsurance: This is the percentage of costs you cover after your deductible. For instance, your insurance may cover 70% of the costs, meaning you are responsible for the remaining 30%/
  • Co-pays: This refers to the amount you pay out of pocket for specific services and is separate from your monthly premium and deductible.
  • Premium: This is the amount you pay for your insurance monthly, annually, or quarterly.

Steps to Verify Anthem Blue Cross Insurance Coverage for Rehab

Verifying your insurance and obtaining pre-authorization is an essential step to avoid unexpected financial stress down the line. Our team at United Recovery Project is here to help you every step of the way. We understand how overwhelming this process can feel.

The first step is to contact Anthem Blue Cross customer service. Their phone number should be located on your insurance card. Alternatively, you can create a profile on Anthem.com and check your insurance there. If you already have a profile, simply login. However, it can help to talk to someone to understand your options better, as well as what paperwork is required for pre-authorization.

But you don’t have to do this alone. The United Recovery Project can help verify your insurance. Fill out our form online or call us at 888-960-5121 to get started today and begin your journey toward lasting recovery.

Take the Next Step Today

Anthem Blue Cross has many insurance coverage options for rehab. An essential piece of the puzzle is determining what your specific plan involves and covers. However, our team at United Recovery Project can help you do this; you don’t need to do it alone. Together, we can pave the way toward your addiction treatment and recovery.

References

https://www.hhs.gov/healthcare/about-the-aca/anniversary/index.html#:~:text=Since%20its%20enactment%20on%20March,equity%20in%20the%20United%20States

Popular In-network Insurances at United Recovery Project:

Aetna
Blue Cross Blue Shield
NYSHIP
Cigna
United Healthcare
Anthem Blue Cross