Do you need substance use disorder treatment, but aren’t sure you can afford it? You aren’t alone in this concern. In 2022, over 1 million Arizonians needed treatment for a substance use disorder but only 262,000 received it. The cost of addiction treatment is one of the biggest hurdles that many people have when it comes to seeking life-saving care. The good news is that many insurance companies, including Anthem, offer coverage for these essential treatments. At Wolf Creek Recovery, we work with Anthem, ensuring that many of our services are accessible to those who need them. If you or a loved one is insured with Anthem, there are numerous options available that are detailed below.
About Anthem
Anthem, also known as Anthem Blue Cross and Blue Shield, began in 1929 and has been committed to increasing access to health insurance and improving health for all Americans. Anthem understands that “our health connects us to each other. What we all do impacts those around us. So Anthem is dedicated to delivering better care to our members, providing greater value to our customers, and helping improve the health of our communities.”
They offer three main plans that someone might have: Gold, Silver, and Bronze. These plans have different pros and cons. The exact details and costs of them can vary from person to person based on numerous factors such as your location, age, and current health conditions. All of the plans cover the same conditions, which include substance use disorder services and therapies. However, a general explanation of each plan includes:
Gold – Gold plans through Anthem have higher monthly premiums, lower deductibles, lower out-of-pocket costs for care, and coverage for essential health benefits. This plan is best for those with chronic health conditions, have higher healthcare costs, families with children or other dependents, prioritize predictability in their healthcare costs, and require access to a broader range of doctors, specialists, and hospitals.
Silver – Silver plans are the most popular among people who are covered through Anthem. These have higher premiums than Bronze plans, but lower than Gold plans. This also means that people who have silver plans have a moderate deductible and fixed copays. These are also unique in that they offer cost-sharing reductions that further reduce out-of-pocket costs.
Bronze – Bronze plans have the lowest monthly premiums and are best for individuals who do not need frequent medical services. These plans also have the highest deductible and out-of-pocket costs of the three plans. Bronze plans come with savings for those with fewer annual healthcare needs. People who benefit the most from Bronze plans are families and individuals who do not need frequent medical services or who have a restricted monthly budget.
Does Anthem Cover Rehab for Substance Use Disorders?
Anthem’s mental health benefits ensure that those with substance use disorders have access to quality rehab services. This falls under their mental health coverage which is available with the majority of their plans. Anthem acknowledges that effective treatment is necessary for anyone seeking to achieve a healthier and more satisfying life. Their coverage extends to several key services for treating this condition, including:
- Detox – The first step toward overcoming a substance use disorder is often detox. During this phase, people stop taking the substance and the body naturally eliminates it from its system. This process has the potential to come with many uncomfortable symptoms, and healthcare professionals offer a supportive and secure environment, along with guidance and medications that alleviate any discomfort.
- Inpatient treatment – During this treatment phase, individuals stay on-site at the facility. This allows them to completely immerse themselves in their recovery without distractions. In this supportive setting, medical professionals may administer medications that stabilize their condition while they work on building essential coping skills and learn effective coping strategies to manage their substance use disorder.
- Partial hospitalization – For many individuals, once inpatient care is completed, they transition to partial hospitalization. This level of care further develops the skills acquired during inpatient treatment. This setting involves a reduced treatment intensity, and the program hours are tailored to fit the specific treatment plan of each person.
- Intensive outpatient – Following partial hospitalization, many individuals transition to intensive outpatient care to continue their recovery journey. In this setting, individuals attend therapy sessions three times a week, ensuring ongoing support and structure.
Because Anthem plans can vary, contacting your insurance provider and Anthem representative is crucial. They can provide clarity on your specific coverage for substance use disorder treatment, and guide you through your plan details. They are also able to answer any questions or concerns you might have.
Does Anthem Cover Rehab Out-of-Network?
Anthem does offer out-of-network rehab coverage. However, what this coverage looks like for you, varies based on the details of your specific plan. Because policies greatly vary, consulting an Anthem representative or completing an insurance verification form with Wolf Creek Recovery allows you to explore your options.
While a facility may fall outside Anthem’s network, you might still receive some coverage. Keep in mind that you may face increased out-of-pocket costs or need to meet deductible requirements. For clarity on your benefits, talk to an Anthem representative.
Will Anthem Cover Multiple Rehab Stays?
Anthem understands that recovery from substance use disorders often involves multiple treatment stays. As long as there is a clear medical need, additional treatment will remain covered. It is recommended that you work closely with your healthcare provider to determine if further stays are warranted, and to consult an Anthem representative to facilitate a smooth process.
Build a Life You Love With Your Anthem Insurance at Wolf Creek Recovery
Taking the first step toward recovery can be daunting, but Wolf Creek Recovery is ready to guide you every step of the way. With our compassionate and personalized treatment programs, which feature outdoor therapy, we help you pave the way to a healthier, substance-free life. Get started by contacting us 1-833-732-8202 to verify your Anthem insurance coverage, and start building a life you love today.
