One of the toughest parts of getting started with substance abuse treatment is figuring out how you’re going to pay for it. But if you’ve got an insurance plan with Anthem, you may not have to cover all of the costs of treatment yourself.
We put together this article to help you figure it out. Keep reading to learn about the type of coverage that you have for substance abuse care through Anthem.
What is Anthem?
Anthem is a health insurance company that exists under the Blue Cross Blue Shield network. It has more than 40 million members and offers a wide variety of plan options for people and companies to choose from, including HMOs, PPOs, and others.
Does Anthem cover rehab?
Anthem plans usually include some coverage for rehab. For example, you might have coverage for treatment plans like:
- Inpatient or residential rehab
- Outpatient care
- Partial hospitalization and intensive outpatient programs
- Medication-assisted treatment (MAT)
- And more
That being said, the exact coverage that you have will depend on your plan. Some Anthem plans cover the majority of your rehab costs. But others may still leave you with sizeable out-of-pocket expenses.
Can you go out of network with Anthem?
Anthem offers network-based healthcare. This means that they give you a list of pre-approved providers who you can visit for treatments like rehab. That’s fine if your treatment center is within your Anthem network. But what if it isn’t?
In that case, you can probably still get treatment at your desired facility. But it usually costs more to visit an out-of-network provider. So although you will likely be able to get some coverage for the care that you want, it wouldn’t be as much coverage as you would have at an in-network facility.
Does Anthem insurance cover drug rehab or mental health care?
When you go to drug rehab, a big part of the healing process is working on your mental health. Some people have issues like depression, anxiety, and bipolar disorder that contribute to their substance abuse problems.
In these situations, rehab facilities offer treatment for co-occurring mental health and substance abuse issues. And many Anthem plans provide coverage for this type of support.
Your Anthem plan will also likely include some coverage for standalone mental health treatment. But you’ll need to look at the language of your plan to make sure.
Will my employer know if I use my Anthem plan to pursue drug rehab?
If you get your insurance through an employer plan, you may be worried about them discovering that you’re using your insurance for rehab. However, there’s nothing to be concerned about.
It’s against the law for your insurance company and your treatment center to share any information about your health with your employer without your express written consent.
The bottom line is that your employer won’t learn about you going to rehab unless you tell them or expressly allow someone else to tell them.
How to learn more about your Anthem coverage and drug rehab
If you’d like to learn more about your Anthem coverage and substance abuse treatment, The House of the Rising Son can help.
We’ll verify your insurance for you so that we can give you an exact dollar amount for how much you’ll need to pay for the treatment that you want. That way, you can make a more informed decision about your substance abuse treatment strategy.
