Only 10 percent of the 21 million people in the United States who struggle with an alcohol or drug addiction receive treatment for it. Part of the reason for this is that they have concerns about how they can afford to pay for it.
But what many of them don’t realize is that there are now quite a few insurance plans that will cover the costs, which is a big change, considering that most of them refused to do so years ago. One particular insurance company that is commonly used is called Anthem Blue Cross Blue Shield.
Using insurance for addiction treatment is important because it can ensure that a person gets the care that they need without having to worry about being stuck with a huge bill afterwards.
It is also helpful because many insurance companies can help those who suffer from an addiction find the best treatment center for their individual needs.
When seeking treatment with your Anthem Blue Cross Blue Shield plan, it helps to know the specific details of how this insurance plan can help cover addiction treatment.
Does Anthem Blue Cross Blue Shield Cover Addiction Treatment?
Anthem Blue Cross Blue Shield covers both inpatient and outpatient care in an addiction treatment center. They can also help pay for partial hospitalization, residential detox, and acute inpatient hospitalization for those who suffer from serious withdrawal issues that can make them very ill.
The coverage that a person receives depends on the plan that they have, though.
The four different plans that are offered are bronze, silver, gold, and platinum.
Of all of these tiers, the bronze plan is the least expensive, so it has the least coverage and the highest deductible. And the platinum plan is the most expensive, so it has the most coverage and the lowest deductible.
It is also important to mention that the plan a person chooses affects their copayment. Those who want to have a low copayment for each day that they receive treatment may want to consider the platinum plan.
How To Use Your Anthem BCBS Plan For Addiction Treatment
Anthem Blue Cross Blue Shield is one of the oldest insurance companies in the United States. It is an excellent type of health insurance to have because it offers both HMO and PPO plans.
Using Anthem Blue Cross Blue Shield to pay for addiction treatment depends on whether someone has a health maintenance organization plan (HMO) or a preferred provider organization (PPO) plan.
With an HMO plan, a person is limited to treatment centers and doctors that are located in a specific area. PPO plans are more flexible because they allow people to choose doctors and treatment centers that might not necessarily be in their network. PPO plans tend to cost more, though.
Since making the best choice for a rehab facility to attend can be confusing, it is often helpful to contact Anthem BCBS directly for more information.
It is also highly recommended that those who are suffering from an addiction contact the insurance company regarding their need for drug and alcohol treatment. Anthem BCBS can put them in contact with a coordinator who can help enroll them in the services they need.
Sometimes, a person may need a referral from their primary care physician when they are using Anthem Blue Cross Blue Shield to pay for addiction treatment.
List Of Anthem Blue Cross Blue Shield Plans By State
Anthem Blue Cross Blue Shield is a separate entity from Blue Cross Blue Shield. There are other insurance companies that are called either Blue Cross or Blue Shield.
Each of them has their own level of coverage, so anyone who is thinking about using insurance to pay for addiction treatment should be sure to contact their insurance company to clarify this first.
The following is a list of states that have Anthem Blue Cross Blue Shield insurance plans:
- New Hampshire
Elevate Is In-Network With Anthem BCBS Of California
At Elevate Addiction Services, we are in-network with Anthem BCBS of California. Your treatment may be covered up to one hundred percent depending on your plan and deductible.
For more information on our treatment program, contact one of our treatment specialists today.