Anthem Blue Cross and Blue Shield Insurance
When you look for an addiction treatment center, you will need to factor in payment, luckily Anthem Blue Cross and Blue Shield Insurance has several different plans. However, understanding the payment for addiction treatment takes more than simply looking at the price. You will need to find out if the treatment center you’re interested in accepts your insurance. Furthermore, if you don’t have private insurance, you will need to find out if the rehab you want to enroll in accepts other forms of payment. These types of payment could include Medicare, Medicaid, or payment out-of-pocket.
We’ll Assist You With Your Options.
If you don’t have any of these payment options available to you, you may feel concerned about whether treatment is within your reach. You may be worried about you or your loved one falling deeper into addiction before you can find help. However, no matter what your financial situation is, treatment is possible. Many addiction treatment centers offer the chance to pay for treatment on a sliding fee scale. This means that patients can pay based on their income. Additionally, some treatment centers offer payment assistance. Payment assistance can also provide patients with high-quality care at a reduced price.
Anthem Blue Cross and Blue Shield Insurance
If you live in Ohio, coverage by Anthem Blue Cross and Blue Shield is one health insurance option available to you for addiction treatment. If you enroll in Anthem Blue Cross Blue Shield, you will have the opportunity to enroll in one of these types of plans: Bronze, Silver, or Gold. Generally, Bronze plans are the cheapest and provide the least amount of coverage. Contrarily, Gold plans provide the most coverage and are the most expensive. Silver plans fall somewhere in the middle. This means that for those who need addiction treatment, those with a Gold plan have the best chance of having some coverage. However, despite the type of plan, many plans will still require deductibles, coinsurance, and co-pays for addiction treatment.
HMO vs. PPO
If you have Anthem Blue Cross and Blue Shield insurance, you will also either have an HMO or PPO plan. An HMO plan stands for Health Maintenance Organization. PPO stands for Preferred Provider Organization. Both of these plans have some benefits and some disadvantages. For example, HMOs have a network of hospitals, medical centers, and primary care physicians. To be covered by an HMO, you will need to choose your physician within network. Typically, HMO plans have lower monthly premiums, and you can expect to pay less out of pocket. If you have an HMO, you usually schedule an appointment through your primary care physician, and then they give you a referral to a specialist. One benefit of an HMO plan is that you don’t need to file claims usually since the insurance company pays the provider directly.
PPOs work a little differently. In a PPO plan, you don’t have to stay within your network. You have the flexibility to see a physician in or out of your network. However, you have to pay a separate deductible and usually also pay more out of pocket if you do decide to see a physician out of network. Furthermore, you won’t need to rely on referrals to see specialists.
PPOs typically have higher monthly premiums since they offer so much flexibility. You also may have to pay a doctor directly and then file a claim if you have a PPO plan. Although each of them have different strengths and weaknesses, both PPOs and HMOs are great ways to get coverage.
How to Find Information
Substance abuse treatment options are commonly found in behavioral and mental health sections of insurance company websites. If you are looking for a specific facility, check your insurance company’s website to make sure the provider is covered by your plan. Many facilities in Ohio offer payment assistance and/or offer their services on a sliding fee scale.
Different Treatment Plans
Not one style or length of treatment fits everyone. Different treatment plans have different pricing. You will usually get to choose between 30, 60, and 90-day treatment programs. The longer the program, the more expensive it will be. But don’t let an unsavory price tag turn you away from the treatment that is best for you. After all, your plan with Anthem Blue Cross Blue Shield may cover some or all of your treatment needs.
Some styles of therapy that may be involved regardless of program length:
• Detox services
• Cognitive Behavioral Therapy (CBT)
• 12-Step Facilitation Therapy
• Medication-Assisted Therapy
• Individual and Group Counseling
30-day treatment programs provide short-term intensive care. Programs vary depending on where you seek treatment and what you are seeking treatment for. However, these short-term programs employ a variety of medical and behavioral therapies to combat addiction no matter where you go.
60-day programs provide intensive care to those suffering from substance abuse. They are similar to 30-day programs, but give addicts more time to focus on therapy, recovery, and aftercare. Programs vary depending on where you seek treatment and what type of addiction you have. Similar to 30-day programs, these programs use a combination of medical and behavioral therapies to combat addiction.
90-day treatment programs provide professional medical care to those with moderate to severe drug or alcohol addiction. These programs are similar to 60-day programs, but they are longer and also teach users how to make positive permanent lifestyle changes. Depending on where you seek treatment and the severity of your addiction, program details will vary. However, these long-term treatment programs will still use an array of medical and behavioral therapies to combat addiction.
Coverage of Inpatient, Outpatient, and Residential Treatment
Your Anthem Blue Cross Blue Shield plan may cover inpatient, outpatient, and residential treatment or only one or some of the three. It really just depends on your plan.
Here is some information about the difference between outpatient, inpatient, and residential treatment.
Inpatient treatment means the person stays at a facility for a period of time—usually between three weeks and six months. While staying at the facility, they undergo intensive treatment. Inpatient treatment has a higher success rate than outpatient treatment, but it is also more expensive. Further, inpatient treatment interrupts daily life. Ultimately, inpatient treatment is especially effective for those who have undergone serious addictions.
Outpatient treatment is part-time, usually between 10 to 12 hours a week, meaning that the recovering user comes to the facility, but they do not stay in the facility. These programs usually run between three months to one year. Ultimately, outpatient treatment is right for those who have more mild addictions.
Residential treatment means that patients live in a residence with other patients. Treatment staff transports the patients to the treatment center each day. In this way, they experience the benefits of both inpatient and outpatient treatment. Residential treatment is best for those who want to keep their treatment and living areas separate, but still want to separate themselves from their toxic environments.
Medicaid and Addiction Treatment
If your Blue Cross Blue Shield plan doesn’t cover your needs, Medicaid could be an option for you. Millions of people in the US receive healthcare through Medicaid. Primarily, Medicaid serves those who are economically disadvantaged. People with disabilities, pregnant women, children, and adults can all receive coverage from Medicaid. Through Medicaid, people can receive care who would not otherwise have the means to do so. States administer Medicaid, and the program is funded by states and the federal government. In Ohio, Medicaid covers substance abuse treatment for adults who have alcohol or drug dependency. Further, Medicaid can cover both outpatient services and residential services.
Treat Your Addiction, No Matter What
If you or a loved one needs addiction treatment, you may wonder how to go about finding the right rehab. There are many factors to consider and many decisions to make. One of these decisions is how long treatment will last. In general, short-term treatment lasts between 30 days and 60 days, while long-term treatment lasts 90 days or longer. Another decision is what type of treatment you will enroll in. There are inpatient treatment programs as well as outpatient and residential treatments.
Finally, one of the most important considerations to make is how to pay for treatment. Although it can be challenging, you can find the treatment that is right for you. Whether you are covered by Anthem Blue Cross and Blue Shield Insurance, Medicare, or Medicaid, addiction treatment for you or a loved one can help. If you have Anthem Blue Cross and Blue Shield Insurance, you may have coverage for addiction treatment. Plans through this insurance company often provide help with receiving addiction treatment. However, they also often require copayments, coinsurance, and deductibles as well. Further, Ohio Medicare provides coverage for some treatment centers, including inpatient and outpatient treatment.
Anthem Blue Cross Blue Shield may offer coverage for some treatment centers, including outpatient and residential treatment. For those who don’t have any of these insurance options, you can seek out a treatment center that provides payment on a sliding fee scale or payment assistance. If you have any questions about different payment options for the Ohio treatment center you’re looking into, please call 614-502-6247.