Will Anthem Insurance Cover Drug and Alcohol Rehab in Connecticut?
I have Anthem Health Insurance. Will it cover drug and alcohol rehab?
Anthem Health Insurance does provide coverage for drug and alcohol rehab services. You can find out the details by contacting Anthem directly and ask to speak to a care manager to get the most complete information about your specific coverage. The amount of your treatment coverage depends on your policy plan level, your location, if the program is in-or-out of network, and the length of the program, all have to be factored into your coverage amounts.
Anthem’s Requirements for Drug & Alcohol Rehab
In qualifying you for a rehab program, Anthem Insurance considers a number of factors for rehab coverage in its plans. They look at the type and severity of the addiction, the cost-effectiveness of the program, and whether or not the specific treatment type meets their requirements for your specific rehab needs. Once accepted into a treatment program, the professionals at the facility will work with Anthem Insurance to ensure that you receive appropriate treatment for drug or alcohol dependence.
For more specifics regarding specific coverage through Anthem insurance, you can contact Member Services via their telephone number on the back of your insurance ID card. Anthem gives you access to Care Managers who can help you with finding addiction and behavioral health resources in your area. Because they have a large network of providers, you can absolutely identify rehab services that accept your Anthem insurance. To find a provider for addiction treatment services near you, you can search the directory of Anthem’s providers online.
Some questions to keep in mind regarding substance abuse therapies include:
- How do you decide that I need treatment?
- What coverage is available for addiction treatment?
- Will there be a copay or deductible for treatment services?
- Is there an out-of-pocket expense maximum for treatment?
- How can I find local rehab providers and whom do you recommend?
Once you are approved for rehabilitation services, you and your treatment team will need to check in regularly throughout rehab, to make sure each of the services you are provided is covered. If those therapies are not included, you and your team can determine what you are expected to pay out of pocket.
Rehabs That Accept Anthem
Because Anthem is a part of Blue Cross and Blue Shield, it provides similar benefits to Blue Cross Blue Shield for addiction treatment. Anthem‘s coverage for addiction treatment can include:
- Inpatient treatment
- Partial hospitalization
- Intensive outpatient treatment (IOP)
- Case Managers who can assist you with finding the right addiction and behavioral health services.
Keep in mind that rehab treatment is designed for your specific needs. There is no ‘one size fits all’ rehab program that is successful for everyone. You and your treatment support team will work with Anthem to see that your needs are met. Coverage can differ because of your type of substance abuse, your location and the type of plan you hold. Most rehab centers work with Anthem and can guide you through how insurance factors in as part of the admissions process.
Coverage for Rehab through Anthem
Because Anthem is licensed by the Blue Cross and Blue Shield Association, they group their plans in the same way. Plan levels include:
- Bronze plan: With a bronze insurance plan, approximately 60% of healthcare expenses are covered. Bronze plans offer the lowest monthly payments but higher deductibles.
- Silver pal: With a silver insurance plan, about 70% of healthcare expenses are covered. These plans feature monthly payments on the lower end, with lower deductibles.
- Gold plan: With a gold insurance plan, approximately 80% of healthcare expenses are covered. These plans include higher monthly expenses with lower deductibles.
- Platinum plan: With a platinum insurance plan, about 90% of healthcare expenses are covered. These plans offer high monthly premiums and the low deductibles.
“If you are in Colorado, California, Connecticut, Indiana, Kentucky, Georgia, Maine, Missouri, New Hampshire, Nevada, New York, Ohio, Wisconsin, or Virginia, your coverage will be provided by the Anthem family of health insurance plans licensed by Blue Cross and Blue Shield. You can see your coverage online for specifics of what is covered in your state and by your plan. The easiest way to do this is to log into Anthem’s website or your specific state’s insurance website.”
Utilizing Anthem Blue Cross Blue Shield Insurance for Addiction Treatment
You can find out what drug rehab facilities accept your Anthem Blue Cross Blue Shield insurance by contacting your plan administrator, or you can work with the treatment center directly to answer your questions.
We strive to provide the highest-quality treatment to any individual seeking help for themselves or their loved ones. Through utilization of our patients’ health insurance coverage options, maximization of insurance benefits available on their existing individual policies and affordable self-pay treatment rates, we will assist you to explore all your financial options.
Call us today at 203-293-1723. We will work with you and with Anthem to determine the best financial plan for you. Also, our financial case managers will determine if patient aid is available to be used in combination with your insurance benefits.
At Clearpoint, the insurance verification process can take from a few minutes to several hours. Other addiction providers may require more or less time to verify benefits, and results can vary.