Does Anthem BCBS of Indiana Insurance Cover Inpatient Alcohol and Drug Rehab Centers?
If you or a loved one is facing addiction, you may be wondering how to overcome it and lead a substance-free life. For many, the answer lies in getting treatment at outpatient and/or inpatient alcohol and drug rehab centers. Like many other health services, though, addiction treatment can come at a cost. Fortunately, many health plans in the United States are required by a federal health care reform law, known as the Affordable Care Act (ACA), to provide coverage for mental health and substance misuse treatment services.1
If you have an Anthem BCBS of Indiana health insurance plan, this may hold true for you. Although most health plans are mandated to provide coverage in some capacity for such services, the specific coverage details can vary by plan, and may be affected based on provider and plan networks, and where you live.
As such, it’s important to always verify your benefits and coverage before seeking care unless it’s an emergency, in which case you should go to the closest emergency facility near you. Checking your benefits when the situation allows can help you keep costs under control and ensure that you’re making the wisest health care choice for your overall health—including financially.
How to Find Anthem BCBS of Indiana Covered Inpatient Drug Treatment Centers in IN?
Depending on the Anthem BCBS of Indiana health insurance plan that you have, you may be limited to seeking care at covered inpatient drug treatment centers in Indiana, unless you want to pay for rehab without using insurance to help. This means that you’ll need to find in-network or covered providers near you. While this may sound daunting, it’s relatively simple, and AAC is here to help.
Call the confidential AAC helpline today. A trained staff member will walk you through verifying your benefits and coverage right while you’re on the phone. They can also check whether your insurance is accepted at any of the industry-leading, top-notch AAC facilities across the country. And they can help you locate quality-covered outpatient and inpatient drug treatment centers in Indiana.
To check your coverage, you can call the number on the back of your insurance card, work with a rehab center directly, or reach out to the American Addiction Centers (AAC) via chat, phone, or the verification form below.
What Is Anthem BCBS of Indiana?
The Blue Cross Blue Shield Association is one of the largest insurers in the United States.2 Collectively, across its 34 independent and operated companies, the Blue Cross Blue Shield name delivers health insurance solutions to 1 in 3 Americans, and over 5 million federal employees and families.2 In Indiana, the Blue Cross Blue Shield company is known as Anthem Blue Cross Blue Shield.2 “Indiana”
Anthem BCBS of IN provides a variety of health insurance solutions to residents of Indiana. Specifically, the company provides individual and family plans through the Health Insurance Marketplace Exchange, dental insurance, vision insurance, supplemental insurance, limited-duration insurance, and travel medical insurance.3 “Shop Plans” tab
Anthem BCBS of IN also provides insurance solutions in the Medicare, Medicare Advantage, Medicare Part D, Medicaid, small business, mid-to-large business, and federal employee markets.3 “Shop Plans” tab Because there are so many different types of plans offered by Anthem BCBS of IN, it’s important to know exactly which plan you have. You can look on your insurance card to learn more about your specific plan.
How Much Does Anthem BCBS of Indiana Cover (Addiction Treatment)?
There are many different Anthem BCBS of Indiana plans offered. What is covered by your specific plan and how much coverage is afforded will vary by plan. Things that are covered under your plan may not be covered by another plan. As such, it’s important to verify your benefits and coverage before seeking care whenever possible so you can be prepared for any out-of-pocket costs (e.g., deductibles, copays, or coinsurance) that you may owe.
No matter what your plan covers, your provider may recommend 1 of the following common addiction treatment methods for your recovery.
- Inpatient or residential rehab. Patients who are in an inpatient or residential treatment programs for rehab receive round-the-clock medical care and supervision. They live at the facility for the duration of their care, which could begin with medically supervised detox, and last from days to months.4, Pg 8, “What types of treatment programs are available?” Para 2,
- Outpatient rehab or therapy. Patients in outpatient rehab or therapy programs receive care at a facility, which usually involves a therapy appointment or counseling, but returns home at the end of their session. Care could be given 1 or 2 times a week, or less frequently depending on the situation.4, Pg 10, Para 2
- Intensive outpatient programs. Patients in IOPs typically receive their treatment at an outpatient facility and are required to attend a minimum number of hours or sessions of treatment weekly. However, they do not need to stay overnight at a facility.4, Pg 10, Para 3
- Partial hospitalization programs. Patients in PHPs go to a facility multiple days a week, where they receive 4-8 hours of care each day. There is no overnight stay, though, with this type of addiction treatment.4, Pg 10, Para 1
Although these are some common methods of rehab for addiction treatment, they may not be the best option for your personal recovery. Additionally, it is not guaranteed that these methods are fully or partially covered by your Anthem Blue Cross Blue Shield of Indiana substance use treatment coverage. Call the number on the back of your insurance card to learn more about your coverage and call your provider to find the best type of treatment for your recovery.
Does Blue Cross Blue Shield of Indiana Provide Coverage for Mental Health Facilities?
Under the ACA, treatment provided at mental health facilities (including inpatient and outpatient care) for mental or behavioral health, or substance use disorder treatment, must be covered in some capacity under almost all U.S. health plans, as such services are considered to be 1 of the 10 essential health benefits under the federal law.1
While your Blue cross blue shield of Indiana plan must extend some level of coverage for these services, your treatment may be subject to plan deductibles, copays, coinsurance, and network coverage details.1 This underscores the need to properly understand your benefits by reading your plan details or working with AAC before seeking coverage.
Whether you need to seek stand-alone heroin rehab or co-occurring disorder treatment, federal law makes it likely that your plan will provide some coverage for your treatment. A co-occurring disorder is what it is called when someone has both a substance use disorder and mental illness at the same time.5
Having a co-occurring is relatively common, as the 2 conditions are said to be influential toward the other.6 For those who have a substance use disorder, it is twice as likely as someone without SUD that they will develop a mental illness at some point in their lifetime, and vice versa.6 As such, because the 2 are interconnected, many mental health experts recommend treating both conditions at the same time, which is referred to as tandem treatment.5 “What should I do?”
Does Anthem Blue Cross Blue Shield of Indiana Cover Addiction Treatment Therapies?
On your path to recovery, your provider may recommend various addiction treatment therapies for you. The ACA mandates almost all U.S. health plans, which can include Anthem BCBS of IN plans, provide coverage at some level for behavioral health therapy and counseling, as well as substance use disorder treatment.1 This means that therapies for addiction treatment are likely to be covered under your plan.
However, it’s best practice to review your summary of benefits and coverage to find out what specifically is and is not covered under your plan.
How Long Does Anthem BCBS of Indiana Insurance Cover Alcohol and Drug Rehab Programs?
One component of coverage includes the length of time a specific addiction service may be covered regarding alcohol and drug rehab program coverage. There is not a straightforward answer, as coverage is dependent upon a multitude of factors. Some of the most important include the plan that you have, where you live, where you seek treatment, and the type and extent of treatment you may need.
You can look up your own plan information on your insurance card, or you can call the number on the back of your card to speak with an Anthem BCBS of IN plan rep who can walk you through the extent of your personal coverage.
Regardless of the insurance coverage details about the length of covered treatment, it’s important to prioritize staying in treatment for an adequate length of time. Remaining in treatment is essential for successfully overcoming addiction.
While every person’s situation is different, and some may need to be in treatment for shorter or longer periods, experts recommend staying in treatment for at least 90 days.7, bullet 5 Remember to work with your health provider to determine how long you should stay in treatment for your personal situation.
What if My Anthem BCBS of Indiana Policy Does Not Cover an Inpatient Drug Rehab Program?
If your Anthem Blue cross blue shield Indiana mental health coverage does not cover your inpatient drug rehab program, you may be wondering how to pay for treatment. In many cases, you can work with the rehab center directly to find out whether there are payment options, such as special financing, for which you can apply to help pay for treatment.
The rehab facility may also offer scholarship opportunities to help patients like you afford the cost of treatment. Whatever you do, it’s pivotal that you get the treatment you need right now rather than pushing it down the road.
Anthem BCBS of Indiana In-Network vs. Out-of-Network Inpatient Drug Rehab Centers
Part of having health insurance is having access to doctors and hospitals that are in a network with your plan, and these providers are called in-network providers.8”Costs” tab In-network providers’ costs are typically covered at a higher level than out-of-network providers’ costs, which may only be covered if you’re obtained prior authorization, or it’s a true emergency.8 “Costs”
You can call the number on the back of your card for help checking whether a provider is in or out of network, or you can ask the facility directly to verify this information as well.
Rehabs That Take Blue Cross Blue Shield Insurance
American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Blue Cross Blue Shield insurance plan, the following AAC facilities accept Blue Cross Blue Shield for drug and alcohol addiction rehab.
- AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
- Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as offering a full continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, and tele-health.
- Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and tele-health, all in a luxurious setting with high-end amenities.
- Laguna Treatment Hospital: Located in Orange County, California, Laguna is a chemical dependency recovery hospital that focuses on treating people who are medically compromised and need 24/7 oversight. Provided care includes detox services, residential treatment, dual-diagnosis treatment inpatient treatment, and intensive outpatient services.
- Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and tele-health, all with individualized treatment programs.
- Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.
There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Blue Cross Blue Shield insurance.
How to Verify Anthem BCBS of Indiana Insurance Coverage for Drug Rehab Centers?
If you’re ready to get the care you need to overcome your addiction, we’re here to help. AAC is an industry leader in addiction care. We can work with you to verify your benefits and coverage and find a covered facility in Indiana. We can also check whether your Anthem BCBS of Indiana plan covers treatment at any 1 of our leading treatment centers across the nation.
Call our helpline today to speak to a real person who can check your benefits right while you’re on the phone and take control of your recovery today.