Anthem Insurance Coverage for Addiction Treatment

Does Anthem Insurance Cover Addiction Treatment?

Since the implementation of the ACA (Affordable Care Act), health insurers, including Anthem, must provide coverage for addiction treatment comparable to that offered for other chronic conditions. Anthem typically covers a range of evidence-based treatment options.

Medical detoxification

The initial phase of addiction treatment often involves medical detoxification to safely manage withdrawal symptoms. Many Anthem plans cover medically supervised detox services when determined to be medically necessary. This fundamental first step prepares people for ongoing treatment by addressing the physical aspects of dependence.

Inpatient rehab

For those with severe substance use disorders or co-occurring mental health conditions, inpatient rehab provides intensive, around-the-clock care in a structured environment. Treatment typically lasts 30 to 90 days, with Anthem coverage often extending to at least a portion of these services based on medical necessity determinations.

PHPs (partial hospitalization programs)

PHP serves as a bridge between inpatient and outpatient programs, providing structured treatment during the day while allowing individuals to return home or to supportive housing in the evenings. Anthem frequently covers PHP as either:

• A step-down option after completing inpatient treatment.
• An initial treatment approach for those with adequate support systems.

IOPs (intensive outpatient programs)

IOP enables individuals to receive treatment while maintaining daily responsibilities at work, school, or home. These programs typically include:

• Group therapy sessions.
• Individual counseling.
• Educational components.
• Relapse prevention strategies.

Many Anthem health plans include IOP coverage as part of their behavioral health benefits, making this flexible treatment option accessible to policyholders.

Outpatient therapy and aftercare

Long-term recovery requires ongoing support beyond initial treatment. Anthem plans generally cover continuing care services such as:

• Regular outpatient counseling sessions.
• Relapse prevention programs.
• Recovery support services.
• Medication management when applicable.

Understanding Anthem Coverage Levels

Anthem offers multiple plan tiers, each with different levels of coverage for addiction treatment:

• Bronze: Approximately 60% of treatment costs. Lower monthly premiums but higher deductibles and out-of-pocket expenses.
• Silver: Approximately 70% of treatment costs. Moderate premiums with lower deductibles and co-pays.
• Gold: Approximately 80% of treatment costs. Higher monthly premiums but lower deductibles and out-of-pocket expenses.

Anthem also offers Medicaid options in some regions, which may provide more comprehensive coverage for substance use disorder treatment services.

Potential Out-of-Pocket Expenses

While Anthem provides coverage for addiction treatment, policyholders may still be responsible for certain costs.

Deductibles

The amount you must pay before insurance coverage begins. Deductibles vary based on your specific plan.

Co-payments

Fixed fees for specific services like therapy sessions, doctor visits, or medication management appointments.

Co-insurance

A percentage of costs you’re responsible for after meeting your deductible, typically ranging from 20 to 40%, depending on your plan level.

Reviewing your policy details beforehand helps prepare for these potential expenses and avoid unexpected financial burdens during treatment.

Mental Health Coverage and Dual Diagnosis Treatment

Accounting for the frequent co-occurrence of addiction and mental health conditions, Anthem usually includes mental health benefits in most plans. Coverage may extend to:

• Dual diagnosis treatment programs.
• CBT (cognitive behavioral therapy).
• MAT (medication-assisted treatment).
• Psychiatric evaluations and medication management.

This integrated approach addresses both substance use disorders and underlying mental health conditions simultaneously, improving overall treatment outcomes.

Verifying Your Anthem Benefits for Addiction Treatment

Before beginning treatment, verify your specific coverage. There are several approaches to confirming your benefits:

• Contact Anthem directly by calling the customer service number on your insurance card.
• Access Anthem’s online portal to review benefits and search for in-network providers.
• Work with a treatment center’s insurance specialists who can verify your coverage and explain your financial responsibility.

Taking this proactive step helps avoid surprises and allows you to focus on recovery rather than financial concerns.

Out-of-State Treatment Considerations

Some people prefer seeking treatment in a setting away from their home environment. Anthem’s extensive provider network includes options throughout the country through their BlueCard program, which allows members to receive care at in-network facilities even when traveling.

Before pursuing out-of-state treatment, verify:

• Whether the facility participates in Anthem’s network.
• If any additional authorization is required.
• Whether out-of-network benefits apply if the facility isn’t in Anthem’s network.

Alternative Payment Options

If Anthem coverage doesn’t address all treatment expenses, several alternatives may help manage costs:

• Payment plans offered by treatment facilities.
• Scholarships or financial aid programs for qualified individuals.
• HSAs (health savings accounts) or FSAs (flexible spending accounts) to cover addiction treatment expenses.
• Sliding scale fees based on income and ability to pay.

Making the Most of Your Anthem Coverage

To maximize your insurance benefits for addiction treatment:

• Understand the specific details of your plan, including coverage limitations, authorization requirements, and network restrictions.
• Work with in-network providers whenever possible to minimize out-of-pocket expenses.
• Obtain pre-authorization for services when required by your plan.
• Document medical necessity through proper assessment and diagnosis.
• Appeal denied claims when appropriate, as many initial denials can be overturned.