Does Anthem Insurance Cover Drug or Alcohol Rehab?

If you or your loved one struggles with a substance use disorder, or disorders, you are probably looking into and considering enrolling in a drug and alcohol rehab center, to receive addiction recovery treatment. That is great news, and we here at St John’s Recovery Place (SJRP) are glad to hear that you are taking some of the first steps necessary to begin your treatment.

Getting ready to attend drug and alcohol rehab can be overwhelming, you are probably excited, nervous, anxious, scared, and your mind is most likely buzzing with the huge amounts of new information you are taking in. Not to worry, this is normal. Huge, life-changing decisions like this always come with a little discomfort and confusion to start, but it won’t last forever. Still, you probably have a lot of questions, like, “how am I going to pay for drug and alcohol rehab?” And, “do drug rehabs accept insurance?”

Let us begin to help ease some of your worries, and answer some of your questions. To start, yes. Many different types of insurance companies, policies, and plans will work with you so that you can receive the treatment that you need, substance abuse recovery programs included. But not every insurance company and policy is made the same; there are bound to be differences. So, what about your Anthem insurance coverage, will it cover your substance abuse treatment costs?

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Anthem’s Brief History

Originally formed in 2004, after WellPoint Health Networks and Anthem Inc. merged, the WellPoint Inc. insurance company was not known officially as Anthem insurance until 2014 when the company rebranded and changed its corporate name. Even though the merged form of Anthem is relatively new, it is still believed that the company is one of the leading, largest health benefits companies in the U.S. Maintaining headquarters in Indianapolis, Indiana, Anthem insurance works across more than several states across the U.S.–including New York, California, New Hampshire, Kentucky, Virginia, Colorado, and more.

Anthem is considered to be an independent branch/licensee of Blue Cross and Blue Shield. Through its affiliated healthcare packages and plans, the company works to deliver a number of leading health benefit solutions in a broad portfolio of:

  • Integrated health care plans and related services
  • Life insurance
  • Disability insurance
  • Dental
  • Vision
  • Behavioral health benefit services
  • Flexible spending accounts
  • Long term care

Anthem is thought to be one of the most well-known, and trusted health insurance companies in the U.S. Its foundation is built on trust, and quality treatment through its affiliated health plans.

What Does My Anthem Insurance Policy Cover?

Anthem is a healthcare network, dedicated to bettering the lives of individuals and communities, and making healthcare simpler. Through the company and its affiliate names, Anthem works to serve more than 106 million people. The company knows it has the ability to impact many, and works hard to be one of the most innovative, valuable, considerate, compassionate, and inclusive insurance partners out there for the American people. That is wonderful, but you are probably wondering, “what exactly does my Anthem insurance cover?”

Like many other insurance companies, Anthem policies and plans cover a multitude of different conditions and expenses for each of their consumers. Depending on what state you live in, and what state you are attempting to receive drug addiction treatment in, the amount of coverage you receive from your insurance company and personal policy can change. In order to understand exactly what your personal policy with Anthem, or Anthem insurance affiliates, will cover in terms of your treatment, you must double-check your personal policy coverage by either calling the company, or the affiliate you use, or checking on one of the insurance company’s online member portals. This can be a bit confusing, as you want to be sure you have the right affiliate website portal that you are covered by, in order to find your exact insurance policy and coverage benefits.

Once you have ascertained what type of coverage you have with Anthem, it is then time to ask whether or not the treatment center you would like to attend will accept the policy that you have. At SJRP we accept many different types of insurances, and we work hard to be in-network providers for many different healthcare companies. In order to ensure that we can accept your insurance to be used at one of our facilities, you will want to call ahead to check if the specific insurance you have can be accepted by our center. It is an easy call, and will only take you a few minutes so that we can check your insurance policy’s compatibility with our program, and give you an estimate of what you might need to pay for your treatment, before you enroll.

Anthem Coverage Plans and Levels

Since one of Anthem’s affiliate networks is Blue Cross and Blue Shield insurance, the companies have very similar breakdowns available to understand their coverage plans and packages. Of course, it is important to remember that Anthem does not operate in every state the same way, and therefore the levels of care and treatments covered by the insurance company and its affiliates are likely to change based on your location.

Anthem insurance plans work to cover families, individuals, and providers while also working through different providers and healthcare plans to be offered to the community at large. Typically Anthem works to provide Medicare services but also has the opportunity to offer clients with Medicaid coverage in specific states. The basic Anthem coverage plan can fall into 3 separate categories:

Bronze Coverage

These types of coverage plans offer consumers the lowest premiums but normally have the highest copays and deductibles. This type of insurance plan allows for up to 60% of a client’s medical expense (depending on the type, location, specific plan, etc.) to be covered by Anthem insurance.

Silver Coverage

These types of coverage plans and policies offer clients the opportunity to choose a plan that has a higher monthly premium than a bronze plan, but lower deductibles and copays overall. This type of Anthem insurance plan allows for the company to cover up to 70% of treatment cost, again depending on the individual, the treatment needed, location, and so on.

Gold Coverage

These types of insurance coverage plans have the highest monthly premiums out of all three categories but also sport the lowest deductibles and copays. A client who has gold-level coverage with Anthem can expect up to 80% of their overall cost of treatment covered with their insurance, again depending on their personal plan, needs, and other variables.