Blue Cross Blue Shield Rehab Coverage: Finding Out If Your Insurance Will Pay for Addiction Treatment

Paying for addiction treatment can be an understandable concern when individuals or families first start looking into the possibility of rehab. And if you have an Anthem insurance policy, you may wonder: Does Anthem Blue Cross Blue Shield pay for addiction treatment? Discover more about how to find out whether your policy covers drug or alcohol rehab, and then complete a request for an insurance verification to get more details.

Click here to verify your Anthem rehab policy will cover all or part of your treatment.

Does My Anthem Health Insurance Cover Alcohol Rehab?

If you purchased your Anthem plan through the health insurance marketplace, you have some type of coverage for addiction treatment, including alcohol rehab. That’s because the Affordable Care Act mandated these types of benefits in all insurance policies sold through the marketplace. You also probably have this coverage if your Anthem insurance is through your employer.

Does Anthem BCBS Cover Drug Addiction Treatment?

Yes, most Anthem plans include drug addiction coverage. This is true for the same reasons they have alcohol addiction coverage. In fact, most insurance companies simply offer behavioral health benefits that include substance abuse coverage in general, so both alcohol and drug addiction treatment is included under this umbrella.

Will My Health Insurer Pay for Programs at Changing Tides?

Whether your insurance company will pay for treatment and how much it will cover depends on a variety of factors.

  • Whether it covers the treatment in question. Just because your plan includes benefits for alcohol or drug rehab doesn’t mean those benefits cover every single service that can be billed under these categories. If a service is not covered, the insurance won’t pay for it.
  • Whether the provider is in network or out. Insurance companies usually pay a higher percentage of charges when the provider is in network with the plan. They will still pay for services provided through out-of-network facilities, but you may have a higher co-pay in those cases.
  • Whether you’ve met your deductible. You must first meet your deductible with qualifying health care expenses each year before your insurance starts to pay for services. The law requires that insurance plans come with a single deductible, which means you don’t have a separate deductible to meet for addiction treatment. If you have already met your deductible with visits to the doctor or hospital treatments for physical illnesses, you won’t have to pay it on addiction services in the same calendar year.

Find Out More About Your Options Today

At Changing Tides, we know that there are many fears and challenges that can loom when someone makes a choice to seek addiction treatment. Finances and how to pay for treatment can be one of those obstacles. Don’t let this worry keep you from reaching out for treatment today. Complete our insurance verification form to verify your Anthem insurance and get the details about how much your plan will cover. Then, talk with one of our caring rehab admissions counselors about your options and what kind of addiction treatment plan may be right for your situation.