When you’re seeking addiction treatment services for the first time, it is easy to get overwhelmed. Often, one of the biggest concerns for treatment is whether your insurance provider will cover drug rehab.
Are you worried if your insurance will cover your stay at a rehab center? The cost of treatment should never deter you from seeking the drug and alcohol addiction treatment that you deserve.
Gloria Rehab works to make substance abuse treatment accessible regardless of your health care coverage. We work to cover a variety of insurance plans to ensure you have the access you need.
The Substance Abuse and Mental Health Services Administration approximates that around 23 million Americans currently struggle or have struggled with some form of substance abuse.
Due to financial access and support networks, only a portion of these individuals will seek treatment.
At Gloria Rehab, you can receive the drug or alcohol addiction and mental health care that you need. We work directly with your insurance provider to make recovery and sober living a very real possibility.
Anthem insurance, or Anthem Inc., was created in 2004. The health insurance company is the largest insurance provider in the 36 company network of the Blue Cross Blue Shield Association.
Currently, Anthem health insurance coverage is available in fourteen states, which include: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin. Currently the plan has around 40 million insurance subscribers throughout the fourteen states.
Anthem offers a variety of plans for covered holders as well as their families. Here are some of the most common plans for insurance coverage.
The bronze plan is the most cost-effective option with Anthem. For this plan, you will be paying about 40% of all medical costs, while Anthem pays the remaining 60%. This plan has the lowest monthly premiums, but the highest deductible and out-of-pocket costs.
This plan has slightly higher monthly premiums than bronze, but Anthem will cover around 70% of all medical costs, leaving the patient responsible for the remaining 30%.
This plan has the highest monthly premiums of all three plans, but Anthem will cover around 80% of costs, leaving the patient with 20% responsibility.
Some states also offer an Anthem platinum plan, which is the most expensive for monthly premiums. However, with this plan, the subscriber is one responsible for around 10% of out-of-pocket costs, while Anthem covers the remaining 90%.
For those living in California, Indiana, Kentucky, Nevada, Virginia, and Wisconsin, Anthem also offers certain Medicaid coverage plans.
Anthem also offers subscribers the option to access the nationwide network of Blue Cross Blue Shield affiliated providers. The guest membership option also allows for people to seek out of state HMO insurance benefits if they are seeking treatment in a different state for at least 90 days.
Due to the passing of the Affordable Care Act in 2014, health insurance companies cannot charge additional premiums or deny care for pre-existing conditions.
Thankfully, due to the mental health care and substance treatment services needed to treat substance abuse, health insurance providers are required to classify this as a pre-existing condition.
Many fear having to pay out of pocket for rehab centers. However, your Anthem Blue Cross substance abuse treatment insurance policy will make it easier to access the care you need.
Your treatment facility will be able to work with you to determine what your insurance provider will cover, and can explain your Anthem Blue Cross benefits to you.
Depending on the level of your insurance plan, you may have different limits or out-of-pocket costs for drug rehab coverage through Anthem Blue Cross health insurance. With Anthem drug rehab coverage, recovery may be within your reach!
Generally, Anthem insurance will cover some combination of the following for alcohol abuse or drug abuse:
Anthem may also cover other mental health conditions or dual diagnosis treatment due to substance use disorder.
Unsure about your Anthem insurance coverage and eligibility? Our team of professionals can verify your insurance coverage and answer any coverage questions you may have.
At Gloria Rehab, we want your treatment options to match your specific substance use disorder needs. We aim to create a treatment program that will help you through each stage of your recovery. Contact us at Gloria Rehab today to begin your recovery journey!