HealthLink’s Anthem Insurance Plans for Drug and Alcohol Rehabilitation

Treatment for addiction does not have to be financially out of reach. With an insurance plan from Healthlink, individuals can find inpatient and outpatient rehabilitation services.

Addictioncampuses.com HealthLink’s Anthem Insurance Plans for Drug and Alcohol Rehabilitation

HealthLink is a subsidiary of Anthem, which provides health insurance policies to individuals for general medical needs as well as substance use disorder treatment and mental health therapies. With a health insurance plan from Healthlink, patients can find coverage for addiction treatment at affordable prices.

Anthem Blue Shield health insurance plans via HealthLink are available with three levels of coverage, including bronze, silver and gold. Gold plans tend to have the highest monthly premiums but offer the lowest out-of-pocket expenses for healthcare services. Bronze plans offer low monthly premiums but higher out of pocket expenses, and silver plans fall in the middle.

HealthLink’s Anthem Bronze 60 D EPO

  • Yearly Deductible: $6,300
  • Out-Of-Pocket Maximum: $7,000
  • In-Network Copay: 100 percent coinsurance until the deductible is met

Drug And Alcohol Detox Coverage

HealthLink’s Anthem Bronze 60 D EPO covers drug and alcohol detox, which is the first step in the recovery process for many people. During this phase of treatment, the patient abstains from using drugs or drinking and begins their sobriety. Coinsurance amounts vary according to the type of treatment.

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Inpatient Rehab Coverage

Inpatient rehabilitation is covered under the provisions of the HealthLink Anthem Bronze 60 D EPO insurance plan. This type of addiction treatment involves living in the treatment center, which provides a distraction-free and drug-free environment. Inpatient coinsurance is 100 percent until the deductible has been met. Preauthorization is required for coverage.

Outpatient Rehab Coverage

Outpatient rehabilitation is covered under the bronze health insurance plan. Out-of-pocket costs are typically lower than with inpatient treatment, because therapy is provided on a per-appointment and residential services are not included. Individuals can expect to pay $75 per office visit when preauthorization is received.

Medication-Assisted Treatment Coverage

Medication-assisted treatment may be covered under the bronze health insurance plan. This type of treatment involves taking a prescription medication to prevent withdrawal and discourage relapse. Most prescription medications have a 100 percent coinsurance requirement until the deductible has been met.

Coverage For Sober Living Houses

Sober living houses may be covered under the bronze health insurance plan. However, specific limitations, copays and coinsurance amounts would need to be discussed with HealthLink or the sober living facility.

HealthLink’s Anthem Silver 70 Off Exchange

  • Yearly Deductible: $2,500
  • Out-Of-Pocket Maximum: $7,000
  • In-Network Copay: Copays and coinsurance amounts vary, typically between $35 and 20 percent

Drug And Alcohol Detox Coverage

Drug and alcohol detox is covered by HealthLink’s Anthem Silver 70 Off Exchange insurance plan. Copay and coinsurance amounts vary according to how the individual is receiving their detox services. When patients enter the detox phase of their treatment, they stop using drugs or drinking and enter withdrawal. Withdrawal symptoms range from unpleasant to life-threatening, and medical support may be necessary.

Inpatient Rehab Coverage

The silver health insurance plan covers inpatient rehabilitation for individuals who would benefit from 24-hour drug and alcohol rehabilitation in a residential setting. This type of treatment requires living at the treatment center for the entirety of the treatment program, which usually lasts between 30 and 90 days. Individuals can expect coinsurance to be 20 percent once the $7,000 yearly deductible has been met.

Outpatient Rehab Coverage

Outpatient rehabilitation for addiction is covered under the silver health insurance plan. These services are either provided through a schedule of office visits or as part of a partial hospitalization program where the patient stays at the facility during the day for more in-depth treatment. Copays and coinsurance may apply.

Medication-Assisted Treatment Coverage

Medication-assisted treatment is covered under the silver health insurance plan. This treatment uses prescription medications to prevent withdrawal symptoms and cravings and aid in recovery. The cost of the medications would be covered under the prescription drug provisions and can range between $15 and 20 percent.

Coverage For Sober Living Houses

Sober living homes may be covered as part of a substance use disorder treatment program. If they are covered, preauthorization would most likely be required prior to checking in to the sober living home. For exact coverage amounts, copays and coinsurance requirements, the individual should speak with HealthLink or the sober living home.

HealthLink’s Anthem Gold 80 D EPO

  • Yearly Deductible: $0
  • Out-Of-Pocket Maximum: $6,000
  • In-Network Copay: Copay and coinsurance amounts range between $15 and 20 percent

Drug And Alcohol Detox Coverage

Drug and alcohol detox is covered under the gold health insurance plan. Copay and coinsurance amounts vary depending on the specific detox program.

Inpatient Rehab Coverage

Inpatient rehabilitation for chemical dependency is covered under the gold health insurance plan. This type of treatment is a great choice for individuals who want to live in a distraction-free and drug-free environment where they can focus on their recovery.

Inpatient treatment programs are classified as either short-term or long-term and typically last 30 days to 90 days or longer, depending on the individual’s needs. Coinsurance amounts are usually 20 percent of the cost of treatment. The deductible does not have to be met.

Outpatient Rehab Coverage

HealthLink’s gold insurance plans via Anthem cover outpatient rehabilitation services, including office visits and partial hospitalization programs. Office visits require a $25 copay. There may be a coinsurance requirement for partial hospitalization.

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Medication-Assisted Treatment Coverage

Medication-assisted treatment is covered under the gold plan via the prescription drug coverage. This coverage can help pay for medications for individuals who would benefit from additional support during detox and the initial stages of recovery. Copay amounts for prescription medications can range from $15 to 20 percent of the cost of the medication.

Coverage For Sober Living Houses

HealthLink’s gold insurance plan may cover sober living houses. To determine if a sober living home is covered under the insurance plan, contact HealthLink or the specific sober living home.

In-Network Vs. Out-Of-Network Insurance Coverage

In-network providers have an agreement with the insurance company to provide services at certain rates and accept copay and coinsurance amounts. This results in lower out-of-pocket expenses for the individual who needs treatment.

Out-of-network providers do not have agreements with the insurance company and may not accept the insurance plan. This can result in higher coinsurance and copay amounts. In some instances, the individual may be responsible for 100 percent of the treatment costs.

How To Find Drug And Alcohol Rehab Centers That Accept HealthLink

  • Contact Addiction Campuses for an immediate verification of benefits. Addiction Campuses can answer questions about insurance and addiction treatment and perform a no-obligation verification of insurance benefits on your behalf.
  • Contact the insurance provider by using the phone number on the back of the insurance card or by visiting the provider’s website. A representative will be able to match you to an in-network drug and alcohol rehab center.
  • Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.

HealthLink - https://www.healthlink.com/about/

Anthem - https://www.healthlink.com/about/

Anthem - http://editiondigital.net/publication/?i=441726&p=&pn=&tabId=#{%22issue_id%22:441726,%22numpages%22:1,%22page%22:%221%22}

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