Access to mental health services has improved since the Affordable Care Act deemed them essential. However, you may not know that your Anthem Blue Cross Blue Shield plan covers services like mental health therapy. Don’t allow concerns about affording critical treatment to prevent you from seeking the help you need. You may be surprised at what services your health insurance company covers.
Types of Mental Health Conditions Covered by Anthem
The Affordable Care Act made it a lot easier to find health insurance that covers mental health treatment. Mental and behavioral health now fall under essential care, and every health marketplace plan must cover these services. As a result, many employer-based plans also provide mental health coverage.
Mental health conditions covered by Anthem Blue Cross include:
- Bipolar disorder
- Anxiety disorders
- Post-traumatic stress disorder
- Dual diagnosis
Your insurance provider may have many types of plans and levels of coverage, so you should check to see if it covers in-person therapy sessions, inpatient care, or outpatient rehab services. In some cases, a doctor may need to provide evidence that treating your mental health concern is important to maintaining your overall health.
Types of Therapy Covered by Anthem
Receiving mental health treatment is just as important as taking care of your physical health, according to the Affordable Care Act. If you can prove you need treatment for a mental illness, your rehabilitation and therapy services are covered by most insurance plans. If you require an inpatient stay at a rehab center, your insurance could cover the majority of your out-of-pocket costs as well as ongoing therapy sessions and medications.
Examples of mental health care services covered by your health insurance plan include:
- Individual therapy with a psychologist
- Cognitive behavioral therapy
- Group therapy sessions
- Talk therapy
- Family therapy
- Support services such as mental health counseling or career counseling
How Much Does Therapy Cost With Anthem Blue Cross Blue Shield?
Behavioral health benefits may depend on your individual insurance coverage. Most insurance policies cover a portion of your out-of-pocket costs after you meet a deductible. After you pay your deductible, the insurance company covers up to 80% of your expenses. If you need medication to treat a condition such as depression, or anxiety, your expenses will vary depending on your prescription drug coverage.
Another thing to consider is whether the services you’re using are in-network. When you seek therapy from providers that aren’t in your insurance plan’s network, you could pay a lot more. Some policies even deny coverage for services that aren’t in-network.
Explore Your Treatment Options Today
Seeking help for your mental health is an important first step. The cost of rehabilitative therapy shouldn’t get in the way of receiving the help you need. If you contact us today, we can review your health insurance coverage and other financing options to help you afford your treatment.