Blue Cross Blue Shield Anthem Covered Substance Abuse Treatment in Florida

Anthem health insurance is provided through Blue Cross Blue Shield in Florida. It does cover some substance abuse treatment options in Florida for families and individuals. The extent of coverage depends upon the particular patient and their health insurance plan. 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 and access different behavioral health services. Overall, plan coverage varies based on the state. It is important to check with your insurance provider in Floridato determine what substance abuse treatment options are covered.

Overall, the drug and alcohol rehabilitation process with Anthem health insurance can help addicts and their families find proper drug detox, residential drug rehab, outpatient drug rehab, and recovery support in Florida. The first step in treating drug addiction is drug detox. Typically, the severity of addiction and accompanying withdrawal symptoms determine what method of drug detox is needed. Medically supervised detox, for example, manages more severe withdrawal symptoms, while standard detox treats less severe substance abuse. The next phase of drug rehabilitation involves attending a residential or outpatient drug rehab program in Florida. Anthem health insurance does help cover both options.In addition, it is also important to consider aftercare support like 12-step meetings, peer support groups, and sober living homes in Florida.

How Does Blue Cross Blue Shield Anthem Health Insurance Cover Drug Addiction Treatment in Florida?

Health insurance plans like Blue Cross Blue Shield Anthem cover drug and alcohol rehab in Florida. More Florida residents have access to substance abuse treatment services through their Florida health insurance plans with the Affordable Care Act. When using health insurance to cover drug or alcohol rehab costs in Florida, the first step is to contact the Anthem health insurance provider and find out about in-network services or out-of-network behavioral health services. It is also important to contact the drug or alcohol rehab center in Floridato find out how they accept health insurance. The two most common healthcare plans are usually Health Maintenance Organization plans and Preferred Provider Organization plans.

HMO plans typically allow patients to choose their primary care physician in Florida and see that provider for most of their behavioral health needs. When a policyholder requires treatment within the network, they will typically need a referral from their primary care physician. HMO plans usually 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 in Florida. Most health insurance plans pay for some portion of alcohol rehab, but there could also be an out pocket cost or copayment. However, this depends on the alcohol rehab center in Florida and health insurance plan.

What Type of Drug and Alcohol Rehab Does Blue Cross Blue Shield Anthem Health Insurance Cover in Florida?

Anthem health insurance covers different drug and alcohol rehab options in Florida. What is covered depends on the type of health insurance plan. Anthem coverage plans fall into three categories. The Bronze plan has the lowest monthly premium but the highest deductibles and copays. Anthem pays approximately 60% of medical costs with a Bronze plan. The silver plan has monthly premiums higher than Bronze with a lower deductible and copays for the individual or family. Roughly 70% of medical costs are paid by Anthem health insurance. Finally, Gold plans have the highest monthly premium but the lowest deductible for the family or individual. Copays are usually less than other plans, and roughly 80% of medical costs are paid by Anthem health insurance.

Another benefit of Anthem is that clients can take advantage of nationwide networks of Blue Cross Blue Shield service providers. Health insurance plans cover residential and outpatient substance abuse treatment, partial hospitalization programs, and intensive outpatient treatment centers in Florida. Drug and alcohol addiction benefits from well-rounded treatment that involves behavioral therapy, holistic treatment, experiential treatment, or faith-based programs. However, no one form of treatment is right for every person, and treatment settings and interventions should meet the patient’s needs attending the facility.

Family Intervention for Drug Addiction in Florida

Watching a loved one struggling with substance abuse is not easy. Whether a family has health insurance to cover drug or alcohol rehab, the first step is getting the addict convinced they need help. Family intervention in Florida can motivate the addict to seek help for their drug or alcohol addiction. People who struggle with substance abuse are often in denial about their situation and unwilling to seek treatment or accept help. Also, most addicts do not recognize the negative effects their addiction has on themselves and others. A family intervention presents the addict with a structured opportunity to make changes before their drug addiction worsens.

Family intervention in Florida is a carefully planned process with the help of a professional interventionist. With the help of an interventionist, the addict is provided specific examples of destructive behaviors and their impact on themselves and their family. Also, family intervention offers prearranged drug rehab plans with clear steps and goals. During the family intervention, the interventionist helps the family follow through with any consequences if the addict refuses to accept help. A successful family intervention must be planned carefully to work as intended. However, a poorly planned family intervention can worsen the situation and make the addict feel attacked and isolated.

Health Insurance and Drug Addiction Trends in Florida

According to the Florida Behavioral Health Barometer, between 2017 and 2019, the annual average prevalence of past year illicit drug use disorders in Florida was 2.7%. In addition, during that same time, the annual average prevalence of past year substance use disorders in Florida was 6.3%. Health insurance plans, whether private or public, cover drug rehab and alcohol rehab programs in Florida. According to the 2018 United States Census Bureau, 13% of the population in Florida was without health insurance. Furthermore, 62.3% had private health insurance plans, and 37.1% had public health insurance plans.

Sources

https://www.census.gov/library/stories/2019/11/state-by-state-health-insurance-coverage-2018.html

https://www.samhsa.gov/data/sites/default/files/reports/rpt32826/Florida-BH-Barometer_Volume6.pdf