Anthem Health Insurance Coverage for Drug or Alcohol Rehab
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Only about 10% of the millions of Americans suffering from alcohol or drug addiction get help for their problem. The uncertainty of how they will pay for rehab is among the most common hindrances to people seeking drug addiction treatment.
However, a lot of them don’t know that many health plan options cover the cost of rehab. This is a significant development, given that most private insurance providers refused to do so until the passing of the Affordable Care Act (ACA). Anthem Blue Cross Blue Shield is one of the most popular health insurance providers in the United States, and Anthem PPO drug rehab services are in high demand.
This is because drug addiction treatment can be costly. Using insurance to cover the cost of drug abuse treatment is crucial because it ensures you receive necessary therapy without the burden of high out-of-pocket expenses.
If you are suffering from an addiction problem, Rehabs Of Armerica is here to help. We match your needs with a nationwide network of partner facilities that accept Anthem PPO drug rehab plans and can help you find options, with same-day placement possible if desired. Simply call now, or keep reading to learn more!
Does Anthem Blue Cross Blue Shield Cover Addiction Treatment?
Anthem offers some coverage for inpatient and outpatient treatment services. However, the exact coverage varies significantly by the state of residence, whether you get treatment at an in-network versus an out-of-network facility, length of time, and insurance plan level.
Anthem health insurance company covers drug and alcohol addiction treatment since the Affordable Care Act (ACA) mandates that all health insurance companies give specific coverage for mental health care, which includes substance use disorder (SUD) therapy.
Anthem PPO Drug Rehab Coverage for Substance Abuse Treatment
There are many options for treating substance abuse and addiction. While every client’s therapy is unique, most receive some combination of the following evidence-based therapeutic interventions:
- Medical detox services
- Inpatient and outpatient services
- Intense outpatient programs (IOP)
- Partial hospitalization programs (PHP)
Depending on the facility, these treatments range in severity, duration, and cost.
1. Detoxification
This is a process in which your body eliminates all the drugs from the body system. Medical detox aims to address the severe and immediate mental and physical symptoms that accompany withdrawal.
Depending on circumstances, including a person’s health, the substance consumed, and how long they’ve been using, detox can be a dangerous and unpleasant experience. Detoxing in a drug treatment facility with a safe, monitored setting is the best option to ensure safety.
It is essential to note that detox is just the beginning of a long road to recovery. Detox doesn’t deal with the underlying causes of addiction, which can be mental, emotional, social, or otherwise.
2. Inpatient Rehab
After the initial phase of treatment, known as detoxification, many people find it helpful to enter a more structured setting, such as an inpatient or residential treatment center, to continue their recovery.
Relapse is a normal part of rehab. Most opiate users who have completed detoxification will relapse within six months. Relapse prevention may be enhanced by confinement in an inpatient treatment center.
During inpatient treatment, you will be under the watchful eye of medical and addiction professionals around the clock and will not be permitted to leave the institution. Individual and group therapy, medication management, case management, relapse prevention programs, and room and board may all be partially or fully covered by your Anthem insurance plan.
3. Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP)
PHPs and IOPs are less restricted than inpatient or residential therapy. Depending on the service provider and the specifics of your treatment plan, you may need to attend a PHP or IOP from three to five days per week for six to thirty hours per week.
4. Outpatient Therapy for Drug and Alcohol Addiction Rehab
Outpatient therapies are the least intensive option, with therapy sessions lasting anywhere from an hour to several times per week. The extent of Anthem’s coverage is highly dependent on the particular policy you have.
What are the Benefits of Anthem PPO Health Insurance Plans?
Rehabs that accept Anthem insurance offer a range of coverage for treatment programs. Your insurance may pay for mental health treatment, substance addiction treatment, medical detox, and sober living.
You can verify your benefits whether you have a PPO or HMO health insurance plan with a confidential call to Rehabs Of Armerica. Based on your level of coverage, the rehab center, and the type of treatment, you may have to make a copay.
When selecting a rehabilitation center, Anthem PPO plans allow you greater flexibility. PPO plans usually have more in-network healthcare providers than HMO policies.
The Four Main Categories of Anthem Plans
There are four primary tiers for insurance plans offered by Anthem. They include:
1. Bronze Plans: These are generally the lowest level of coverage with the least costly premiums but high out-of-pocket maximums and deductibles.
2. Silver Plans: Silver plans have a higher monthly premium than bronze and lower out-of-pocket expenses.
3. Gold Plans: These plans feature higher monthly premiums than silver and better perks.
4. Platinum Plans: These are the best plans with the most coverage. This tier of Anthem’s health insurance plans has the highest monthly price but provides the most comprehensive coverage. Most people pay a small amount out of pocket or a modest deductible with such policies.
While these are the standard coverage levels, the coverage varies widely depending on various factors, like what services you require and your particular package.
No matter the tier, a quick and discreet consultation with a recovery representative from Rehabs Of Armerica can let you know the costs, if any, of obtaining Anthem PPO drug rehab services.
Get Options Using Your Anthem PPO Today
You are not alone if you are struggling with substance abuse of any kind. Rehabs Of Armerica has a caring staff ready to help you find treatment today. Overcome your fears, take on new experiences, and get matched to facilities that meet your needs now!
Call us for confidential insurance verification and get addiction treatment options using your Anthem PPO in minutes!
Anthem PPO Rehab FAQs
Here are some of the frequently asked questions about Anthem PPO rehab:
Does Anthem Cover Mental Health Services?
Substance abuse is often exacerbated by a mental health problem. According to the research, anxiety and other mood disorder sufferers are roughly twice as likely also to have a substance misuse problem.
Any insurance provider and Health Insurance Marketplace plans are obligated to cover mental health and drug addiction services according to the Affordable Care Act:
Anthem acknowledges the need to simultaneously treat co-occurring illnesses, which include substance misuse and mental health problems. Anthem insurance may cover the following services for mental health and substance abuse and dual diagnosis treatment:
- Access to in-network mental health treatment providers and medical professionals
- Care managers who are licensed to oversee patient utilization
- Access to in-network drug and alcohol rehab centers
- Inpatient rehab treatment
- IOP and PHP
How Long Will an Anthem PPO Insurance Plan Cover Rehab Services?
The success of a substance abuse treatment program depends on various elements. They include:
- Prompt access to care
- Addressing both mental health and substance abuse issues simultaneously
- Employing a range of effective treatments, including medication and talk therapy,
- Tailoring care to the individual’s specific needs
- Committing to the necessary length of time in treatment
Individual requirements, the nature of the treatment program, and coverage limitations all influence how long a client stays in care. You should know that the longer you commit to treatment, the better off you will be in the long run. In particular, studies have shown that most addicts need at least three months of treatment to abstain from drugs or successfully reduce their drug use.
Because a wide range of policies and coverage levels are available, your insurance company will determine how long they will pay for your treatment at rehab centers.
Anna M. joined Find Addiction Rehabs with extensive experience in the field of addiction treatment. As a former Nurse Practitioner in Miami, she found her passion for addiction treatment when a family member was lost to his disease. With each article and resource, she hopes to save other families from experiencing the anguish of a loved one’s passing due to drinking or drugs.
