Anthem Insurance: Addiction Treatment Coverage
The costs associated with addiction and mental health treatment are common deterrents for those seeking help. At Launch Centers in Los Angeles, California, we are dedicated to making our treatment services as accessible as possible. We work with many insurance companies such as Anthem to make sure we are offering in-network providers to our patients.
Anthem insurance plans are designed to best meet the needs of their policyholders, which includes providing them with the mental health and addiction treatment coverage they need. With Anthem addiction coverage extending to the cost of therapy and rehabilitation, getting help has never been more affordable.
Anthem is one of the nation’s largest health insurance companies and provides coverage in 14 states—including California. This independent licensee of the Blue Cross and Blue Shield (BCBS) Association offers coverage for an extensive network of mental health providers. These providers include therapists, physicians, and specialized mental health and addiction treatment facilities.
Anthem Insurance offers its 13 million members many policies and levels of coverage. This makes it a popular choice among those with behavioral health conditions. As well, Launch Centers recognizes the value of Anthem Insurance and offers in-network providers at our Los Angeles facility.
Anthem policies typically fall into one of three categories. The following highlights the specifics of each:
- Bronze: The Bronze plan offers the lowest monthly premiums, yet has the highest co-pays and deductibles. Within this plan, Anthem covers approximately 60% of medical expenses.
- Silver: Though this plan requires higher monthly premiums, the deductible and copays are lower than in the Bronze plan. Anthem pays for about 70% of medical expenses in the Silver plan.
- Gold: Gold plan members pay the highest monthly premiums, yet have the lowest deductible and copays. About 80% of medical expenses are covered in this plan.
Therefore, Anthem has plan options that are affordable on nearly every budget. Their plans include coverage for both mental and physical health disorders, for example.
Anthem includes behavioral health benefits in the majority of their medical plans. In fact, their policies reflect the view that mental and physical health should not be viewed apart from one another.
Both are equally relevant to a person’s well-being. Though policies and circumstances may vary, Anthem is dedicated to providing partial coverage, full coverage, or reimbursement for behavioral health services.
Mental health conditions often covered by Anthem insurance include:
- Eating disorders
- Post-traumatic stress disorder (PTSD)
- Substance use disorders (SUD)
- Anxiety disorders (including OCD)
- Attention-deficit hyperactivity disorder (ADHD)
Anthem insurance’s mental health coverage encompasses several evidence-based treatments given that these sessions are held with an in-network provider. Not only can this coverage include talk therapy, but plans can also extend to a variety of other therapy types.
For example, holistic and behavioral therapy modalities can be covered as long as they can be backed by science and proven to be both related and beneficial to an individual’s particular mental health disorder.
These therapy types include:
- Family therapy
- Individual therapy
- Cognitive-behavioral therapy (CBT)
- Dialectical behavior therapy (DBT)
- Eye Movement Desensitization and Reprocessing (EMDR)
- Acceptance and commitment therapy (ACT)
Exact amounts can vary but, generally, Anthem insurance pays for 20% to 50% of a therapy session. Again, it is important to note that if a therapy session is not held with an in-network provider, then an individual will be liable for all associated fees. This factor highlights the importance of seeking therapeutic services from facilities, such as Launch Centers, with in-network mental health providers.
Anthem policyholders can expect at least partial addiction treatment coverage in the state of California. The exact coverage provided for drug and alcohol abuse treatment depends on a person’s specific plan.
Furthermore, it is important for the person to reference their particular policy. Under their medical program coverage, we cover individuals for the following types of addiction treatment:
- Detoxification programs
- Residential treatment
- Partial hospitalization program (PHP)
- Intensive outpatient program (IOP)
- Standard outpatient program (OP)
- Certain medications used in medication-assisted treatment (such as suboxone)
Launch Centers in Los Angeles, California offers several mental health and addiction services including detox and outpatient programming. Many of our providers are in-network with Anthem. This assures these services are accessible to our policy holding patients.
The amount of coverage Anthem provides for someone’s time in treatment depends on their specific policy. Another factor is what is deemed to be an appropriate treatment duration. If someone is unsure how long their policy covers addiction treatment, contact an Anthem insurance representative. A person can locate this number by referencing the back of their insurance card.
Then, a knowledgeable member of Anthem’s team will be happy to review their plan with them, so the patient can make an informed decision. It is important to note Anthem offers coverage for both inpatient and outpatient treatment. As long as the treatment is deemed necessary, at least partial coverage should be available for the duration of someone’s addiction treatment program.
Yes, Anthem insurance policies do come with an associated deductible. Individuals must reach their deductible before their insurance coverage fully begins. This means that they pay out-of-pocket until their deductible has been met.
Once it has been met, their insurance provider begins either partially covering or fully covering medical expenses. The amount of their deductible depends on their specific policy. As aforementioned, Bronze plans come with the highest deductible, while Gold plans offer the lowest. Generally, the higher the deductible, the lower the monthly premiums.
It is easy for Anthem members to review their specific policy. This way, they can better understand their coverage and view their deductible. If someone is currently a member of Anthem insurance, they can utilize their online resources to understand the details of their policy to learn what mental health care providers their insurance covers.
Additionally, if they are seeking out-of-state treatment for more than 90 days, someone may be eligible for a guest membership. This membership allows someone to join an affiliated healthcare maintenance organization (HMO) in a different area.
Substance abuse and mental health treatment are an investment—one associated with life-long rewards. Still, the cost of rehab should not make addiction treatment hard to access. Launch Centers understands the need for treatment and wants to help as many individuals as possible. We offer in-network providers, and provide coverage for those with UHC/Optum insurance as well. Our clients with Anthem and UHC/Optum insurance can get the coverage they need to receive treatment at our Los Angeles, California facility.
To learn more about the programs and services we provide or to get started on the road to recovery, give us a call or visit our admissions page today.