Understanding Anthem Insurance Coverage for Addiction Treatment
Essential Health Benefits and Addiction Treatment
Mental health care is covered through individual and family plans, and the expenses you pay are determined by which plan you choose. Behavioral health treatment, psychological testing for mental health disorders, medication management, prescriptions, and substance abuse treatment are all services covered by health insurance plans under the Affordable Care Act.
Types of Anthem Health Insurance Plans
There are various Anthem Insurance Plans, including Individual and Family Plans, Medicare Plans, and Medicaid Plans. Individual and Family Plans, specifically, are offered in three ways.
The Bronze Plans have a low monthly payment with a higher deductible, which is suitable for clients with few doctor visits and in need of coverage for medical emergencies. Silver Plans have an average monthly payment and lower deductible, which is ideal for clients and families with average healthcare needs. A Gold Plan has a higher monthly payment and the lowest deductible of the three, which is beneficial for those with ongoing health needs.
Key Terms to Understand: Deductibles, Copayments, Out-of-Pocket Maximums
Deductibles are the amount of money an insured client must pay before their policy begins covering expenses. Lower deductibles mean you will pay less out of pocket, with your insurance company covering most of the expense. Copayments are a flat fee you pay for a medical visit or prescription refill. Out-of-pocket maximums are the highest amount of money you will pay per year, and your insurance company will cover the rest of the expenses beyond that maximum.
Anthem Coverage for Inpatient and Outpatient Programs
Inpatient Rehabilitation Coverage
When overcoming an alcohol or substance use disorder or mental health disorder, it is important to seek professional care. Because mental health care is covered by Anthem Insurance, inpatient rehabs for addiction and mental health treatment are included. Call your insurance company to find out what treatments and programs are covered by your insurance policy.
Outpatient Treatment Coverage
Anthem Insurance typically covers in-person and virtual therapy sessions. When seeking other outpatient treatment, such as continuous care services through Red Rock Recovery Center, it is important to check with your insurance company what services are covered.
Partial Hospitalization Programs (PHP)
PHPs offer intensive services for clients looking for continuous care in between residential and intensive outpatient treatment. Red Rock Recovery Center’s PHP includes counseling, talk therapy, behavioral therapy, holistic practices, community building, and life skills programs for well-rounded care. Contact Anthem Insurance to see what services your insurance policy covers.
Intensive Outpatient Programs (IOP)
IOPs are flexible, continuous care options ideal for full- or part-time workers or parents. At Red Rock Recovery Center, we use positive psychology and community building to shape our IOP. Contact Anthem Insurance to check your IOP coverage.
Navigating the Anthem Insurance Verification Process
Understanding Your Anthem Benefits
Mental health benefits are part of your family and individual Anthem Insurance plans. This includes $0, 24/7 virtual care, $0 preventative care, and prescription drug coverage that can cover the full cost of some medications. Anthem Insurance extends from your primary care to your mental health care, including therapy sessions and care center visits.
Prior Authorization Requirements
To ensure your treatment and prescriptions are required for your health, prior authorization requirements are necessary. This requires a provider to certify that certain medical services and medications are necessary, including certifying that a more expensive treatment or medication is necessary for your care.
Working With Your Insurance Provider and Our Admissions Team
We are here to help you at Red Rock Recovery Center. Insurance can be tricky to navigate, and our staff is here to help clear confusion so you fully understand what your plan covers when in treatment. Reaching out to a representative at your insurance company or workplace, if that’s how you receive insurance, can also help.
Choosing Red Rock Recovery: An Anthem-Accepted Provider
A Holistic Approach to Addiction Treatment
Red Rock Recovery Center offers various approaches to treatment to ensure you receive the most effective, quality care. Our holistic care is part of the whole-person approach, helping you heal mentally, emotionally, physically, and spiritually for optimal recovery results.
Verifying Your Anthem Insurance Coverage
Here at Red Rock Recovery Center, we accept Anthem Insurance. We are here to help you navigate your insurance health care policy, work with you and your insurance company, and provide quality care for lifelong results. Contact Anthem Insurance to see what Red Rock Recovery Center treatments and programs you have covered.
The Importance of Seeking Professional Help
Don’t Let Insurance Concerns Prevent You from Seeking Treatment
Seeking treatment for addiction and mental health can be overwhelming. Red Rock Recovery Center is here to help you determine what services and programs are best for you. We can help navigate your insurance policy and coverage along with your company, but finding treatment is critical, and your insurance should not be a barrier in your healing journey.
Your Path to Recovery Begins Here
We are here to help you every step of the way at Red Rock Recovery Center. Our admissions staff can help you navigate insurance and the beginning of your recovery journey to help relieve stress and focus on healing.
Insurance can be tricky to navigate, and here at Red Rock Recovery Center, we are here to help you determine what your Anthem Insurance healthcare policy covers and figure out what treatment is right for you. Call us today at (855) 218-7588 to learn more about treatment and coverage.
