Blue Cross Blue Shield Anthem Covered Drug and Alcohol Rehab in Texas
Anthem health insurance is provided through Blue Cross Blue Shield and does cover some drug rehab treatment options in Texas. The extent of coverage depends upon the particular patient and their health insurance plan, as well as the provider. Anthem is one of the top health insurance companies in the United States. As an independent licensee of Blue Cross Blue Shield Association, Anthem provides coverage in 14 states. Members take advantage of Blue Cross Blue Shield providers outside of their home state. Overall, plan coverage varies based on the state, and it is important to check with your insurance provider in Texas to find out what drug rehab treatment options are covered.
Overall, the rehabilitation process with Anthem health insurance can help addicts and their families find proper drug detox, residential treatment, outpatient treatment, and aftercare support. The first step in treating drug addiction is a proper drug detox. Typically, the severity of addiction and accompanying withdrawal symptoms determine what method of drug detox is needed. Medically supervised detox manages more severe withdrawal symptoms, while standard detox treats less severe addiction. The next phase of drug rehabilitation involves attending a residential or outpatient drug rehab program in Texas. Anthem health insurance does help cover both, and it is also important to consider aftercare support like 12-step meetings, peer support groups, and sober living homes.
How Does Blue Cross Blue Shield Anthem Health Insurance Cover Drug Rehab in Texas?
Health insurance plans like Blue Cross Blue Shield Anthem cover drug and alcohol rehab in Texas. With the passage of the Affordable Care Act, more Texans have access to drug rehab services through their health insurance plans. When using health insurance to cover the cost of drug or alcohol rehab, the first step is to contact the Anthem health insurance provider and find out in-network services are available or out-of-network treatment options. It is also important to contact the drug or alcohol rehab center in Texas to find out how they accept health insurance what treatment services are covered. The two most common healthcare plans are Health Maintenance Organization plans and Preferred Provider Organization plans.
HMO plans typically allow patients to choose their primary care physician and see that provider for most of their medical needs. When a policyholder requires treatment within the network, they will typically need a referral from their primary care physician. However, HMOP plans have lower or no deductibles, and overall coverage is usually a lower cost than a PPO plan. PPO plans allow patients to see healthcare providers in and out of their network without referrals. PPO plans can have higher deductibles, but clients have more access to out-of-network providers. Most health insurance plans pay for some portion of treatment, but there could also be an out pocket cost or copayment, but this depends on the treatment center and health insurance plan.
What Type of Drug Rehab Does Blue Cross Blue Shield Anthem Health Insurance Cover in Texas?
Anthem health insurance covers different drug and alcohol rehab options in Texas and what is covered depends on the type of health insurance plan. Anthem coverage plans basically fall into three categories. The Bronze plan has the lowest monthly premium but the highest deductibles and copays. Approximately 60% of medical costs are paid by Anthem with a Bronze plan. The silver plan has monthly premiums that are higher than Bronze with a lower deductible and copays. Roughly 70% of medical costs are paid by Anthem health insurance. Finally, Gold plans have the highest monthly premium but the lowest deductible. Copays are usually less than other plans, and roughly 80% of medical costs are paid by Anthem.
Another benefit of Anthem is that clients can take advantage of nationwide networks of Blue Cross Blue Shield. Health insurance plans cover residential and outpatient drug rehab, partial hospitalization programs, and intensive outpatient treatment centers. Drug and alcohol addiction benefits from well-rounded treatment that involves behavioral therapy, holistic treatment, experiential treatment, or faith-based programs. Overall, no one form of drug rehab is right for every person, and treatment settings and interventions should meet the needs of the patient.
Family Intervention for Drug Addiction in Texas
Watching a loved one struggling with drug or alcohol addiction is not easy, and whether a family has health insurance to cover drug rehab, the first step is getting the addict convinced they need help. Family intervention can motivate the addict to seek help for their drug or alcohol addiction. People who struggle with addiction are often in denial about their situation and unwilling to seek treatment. Also, most addicts do not recognize the negative effects their behavior has on themselves and others. A family intervention presents the addict with a structured opportunity to make changes before things get even worse.
Family intervention is a carefully planned process with the help of a certified interventionist. With the help of an interventionist, the addict is provided specific examples of destructive behaviors and their impact on the addict and the family. Also, family intervention offers prearranged treatment plans with clear steps and goals. During the intervention, the interventionist helps the family follow through with any consequences if the addict refuses to accept help. Overall, a successful intervention must be planned carefully to work as intended. However, a poorly planned intervention can worsen the situation and make the addict feel attacked and become isolated.
Health Insurance and Drug Addiction Trends in Texas
According to the United States Census Bureau, approximately 17.7% of residents in Texas were without health insurance in 2018. Also, during that time, 61.8% of residents had private health insurance, and 29% had public health insurance. In 2018, 91.1% of people in the United States had health insurance. Health insurance plans like those through Anthem cover some of the cost of drug and alcohol rehab. According to the Texas Behavioral Health Barometer, among people aged 12 or older in Texas, from 2015 to 2017, 2.3% had illicit drug use disorder in the past year. Between 2015 and 2017, among people aged 12 or older in Texas, 6.3% had a substance use disorder in the past year.