Get Proven Programs for Detox Using Anthem at Catalina
When it comes to enrolling in detox and rehab, you need to make sure your health insurance providers will cover the cost of your care. Insurance coverage can be tricky to navigate, but it does not have to sideline you and keep you from addiction treatment. Using the rehab coverage of your Anthem Blue Cross policy is an effective way of finding support to overcome drugs and alcohol.
In particular, Anthem Blue Cross detox and rehab programs, found through an in-network provider like Catalina, can be a great way to get solid footing on the path to lasting sobriety.
Catalina Behavioral Health can work with your insurance provider to give you the care you need to face addiction treatment. Don’t let another day go by without seeking help for both substance abuse and mental health, as accredited help is only a phone call away.
Keep reading to learn more about using Anthem Blue Cross Blue Shield for detox and rehab, and don’t forget you can reach out to us anytime to let us verify your insurance benefits confidentially!
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Does Your Insurance Company Provide Addiction Treatment?
If you have ever found yourself wondering what your insurance coverage means for rehab services, you aren’t alone. Many people want to seek treatment for mental health or substance abuse but find themselves paralyzed by the idea that their Anthem (Blue Cross Blue Shield) insurance may not cover it. There is good news if you have been wondering what your insurance provider will cover.
Under the Affordable Care Act or ACA, every insurance company is required to cover substance abuse and mental health treatment. It is considered one of ten essential health benefits that must be covered, just like routine doctor appointments or surgical interventions.
Every plan covers behavioral health care treatment such as one-on-one therapy or counseling. It also covers inpatient and outpatient services. Substance use disorders fall under this umbrella as well. However, it does not mean that it will be covered in full.
Either way, you can rest easy knowing that at least a portion of your care will be covered by Anthem Blue Cross Blue Shield insurance. Here are a few other things you should know about how your care will be impacted by the Affordable Care Act.
No Spending Limits Permitted by Health Insurance Providers
Another important aspect of your substance use and mental health coverage is that the Affordable Care Act does not permit spending limits on behavioral health services. This means that there are no caps on what you can spend to treat specific mental health needs. There are no annual or even lifetime dollar limits on your treatment.
In a similar vein, a health insurance provider cannot charge you more simply because you have a pre-existing condition (including a substance use disorder). They also cannot deny you coverage to receive help for that condition. From day one of your insurance plan, they are required to assist with the cost of a treatment facility that will support your recovery.
That means that the minute your health insurance goes into effect, you can enroll in treatment. This is all the more reason to stop delaying the help you need and get into one of our programs at Catalina Behavioral Health.
Similar Levels of Coverage Between Surgical Intervention and Addiction Treatment
In addition to the requirement that insurance providers have no spending limits, it is also important to note that there are parity protections in place. This means that your Anthem Blue Cross provider must provide mental health coverage that is equivalent to what you would receive for surgical or medical care.
There cannot be any restrictive elements designed to minimize your likelihood of seeking help.
The parity protections put in place for your addiction treatment include financial coverage first. You cannot be charged higher deductibles, copayments, coinsurance, or out-of-pocket expenses just because you decide to seek mental health treatment or rehab center programs. This protects you and makes care more affordable.
Treatment is also protected with no limits on the number of days or visits that Anthem insurance will cover. Care management is also less restrictive. If you do not need prior authorization for surgery, you may not need it for rehab centers either. This makes care more accessible when you need it and when you are ready for it without having to jump through unnecessary hoops.
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Treatment Costs Are Unique to Your Plan
It is important to note that the cost of your drug or alcohol treatment is going to depend on your unique plan. There are varying degrees of coverage from Anthem insurance and each tier will cover increasing care levels and treatment options.
For example, a low tier (often known as the Bronze plan) may have the lowest monthly premiums but require more out-of-pocket spending on treatment options. Gold plans require a higher monthly premium but cover a greater share of the expenses of your treatment and often offer PPO plans with more flexibility. Silver-level plans typically fall in the middle, with a range of coverage options and costs that should be closely reviewed to ensure the right coverage for your specific needs.
Choosing Catalina as an In-Network Provider for BCBS
Another thing to remember is that insurance providers are more likely to cover higher costs with an in-network provider. This is because they have already worked out agreed-upon rates for care with these providers. It minimizes their spending and yours to go with a treatment center whose offerings are covered under this umbrella.
Of course, Anthem BCBS insurance offers an extensive range of in-network options, including our accredited and evidence-based programs at Catalina Behavioral Health in Arizona.
3 Strategies for Minimizing Out-of-Pocket Expenses with Anthem Blue Cross Blue Shield
While your behavioral health care managers might be covered by your insurance, that does not always mean that you will not have any out-of-pocket costs. Some insurance coverage will foot the bill for your stay in a rehab facility in its entirety. Other health insurance providers may only cover a portion of the cost of your substance abuse treatment.
Keep in mind that an in-network provider might not specifically be listed with your Anthem Blue Cross insurance. Still, many facilities are covered under their scope of treatment services. What you will spend depends largely on your unique plan.
What can you do to minimize costs with Anthem insurance coverage? Here are a few options you may want to consider when it comes to seeking help at our treatment center, or any other for that matter.
1) Opting for Lower Levels of Coverage
Anthem Blue Cross Blue Shield insurance may provide coverage at varying levels depending on your specific treatment plan. For example, some people will need medically supervised detox followed by a 90-day program in an inpatient treatment center. Others may only require partial hospitalization or intensive outpatient treatment.
Coverage from your BCBS insurance plan will vary depending on the level of care. They are billed based on the services rendered: one-on-one counseling, group therapy, support meetings, and any ancillary therapies offered at the facility. You may find lower costs when you opt for lower levels of care like PHP or IOP as well as opting for shorter treatment windows.
Keep in mind that the insurance company will likely pay only for what medical professionals recommend that you receive. If they do not agree that you need 90 days of inpatient care, it is extremely unlikely that you can receive this level of coverage with your insurance plan.
At Catalina, we will always negotiate and advocate to ensure you or your loved one gets the care that is required by your goals in seeking treatment with us.
2) Start on the Right Foot with Medical Detox
Oftentimes, Anthem Blue Cross will cover a medical detox service. This gives you quick access to help for a drug addiction or alcohol addiction right away. You will have access to around-the-clock medical care, counseling, and medication-assisted treatment to minimize side effects and discomfort. For most people, this is an absolute must before entering into recovery.
From here, your team can consider what specific substance abuse treatment approaches would be the right fit for you. They can pinpoint what other mental health conditions you may have that will impact your substance use treatment. It also allows them to get a clearer picture of what you need.
This can allow your healthcare providers at Catalina to recommend the right level of care so that it can be covered by your Anthem Blue Cross insurance.
3) Set Up Affordable Payment Plans
It might make sense for you to delay thinking about the cost of a treatment center until you are well enough to return to work and have routine responsibilities. If the health insurance companies do not cover your care, Catalina Behavioral Health can assist you with a payment plan and address options like self-pay and other possibilities.
This is an affordable way to gain access to services related to substance abuse and make sure that you can afford to receive treatment.
Up To 100% of Rehab Costs Covered By Anthem BCBS
Get Proven Programs Using Anthem at Catalina Today
Are you ready to embrace healing and get support from the caring providers at Catalina Behavioral Health? We can help you get sober and stay sober for the long haul with a variety of options at our treatment facility.
Whether you want to pursue medical detox, inpatient rehab, or outpatient treatment, we can help, and we are in-network with many Anthem Blue Cross plans.
If you want to know what your Anthem insurance will cover, let our admissions team help you get the details now. Make a quick and confidential phone call to verify your benefits, and get the costs of attending our programs, if any, within minutes.
Call our warm and welcoming admissions team now to find out more!
References
- National Archives and Records Administration. (n.d.-a). Substance abuse and the Affordable Care Act. National Archives and Records Administration.
- Healthcare.gov. (n.d.). Mental health and substance abuse health coverage options.
