Anthem Insurance Coverage for Drug & Alcohol Rehab

Yes, Anthem offers coverage for substance use disorder treatment and other behavioral health concerns. However, the amount of coverage you may receive can vary based on several factors, including the type of plan you have. If you are a member of Anthem and are looking to obtain treatment for a substance use disorder, calling and speaking with an Anthem representative can help you identify the benefits and limitations of your plan prior to entering into a treatment program.

At American Addiction Centers (AAC), we are ready to help you get the most out of your drug and alcohol rehab coverage. Call us right now at and get started by having your insurance verified.

The addiction treatment coverage you receive under Anthem depends on the specific plan you have. It is crucial to confirm your insurance coverage before seeking treatment, as each health plan is unique.

Here are types of rehab or treatment services that may be covered under your Anthem insurance benefits:

• Medical detox. Typically, the initial step in treating addiction involves detoxification or “detox”. Detox entails the removal of substances from the body and is frequently performed under medical supervision to assist in managing the symptoms of withdrawal.²
• Inpatient treatment. Inpatient care refers to treatment provided in a facility where the patient resides for the duration of their care. Inpatient rehab programs entail patients receiving 24-hour medical supervision throughout their stay.³
• Partial hospitalization programs for addiction: Often referred to as a PHP, these programs provide the highest level of outpatient programming for those recovering from a substance use disorder. They typically require a significant time commitment, where patients attend treatment for 4-8 hours each day for at least 3 months.⁴
• Intensive outpatient addiction treatment programs: IOPs are also a form of outpatient addiction treatment, however patients participate in treatment anywhere from 9-20 hours per week over the course of 2 months to a year, depending on their needs.⁴
• Outpatient addiction treatment programs. Outpatient care refers to treatment where the patient visits a facility once or twice a week to receive services without staying overnight. Common services provided in outpatient care include group meetings and therapy sessions.³
• Aftercare or sober living. Aftercare is the term used for care provided after completion of rehab. An instance of aftercare is sober living, where patients reside in a home free from substances with other individuals in recovery.⁴

Substance use disorder treatment can vary in length, with common options including 30, 60, or 90 days of treatment. It is important to note that insurance coverage for treatment may depend on the length of the treatment, as well as the intensity and location of the treatment.

In addition to covering substance use disorder treatment, the Affordable Care Act (ACA) requires all health insurance plans to provide some degree of coverage for the treatment of mental health disorders.⁵ This is a valuable benefit for many patients entering into treatment, considering many may also be experiencing a mental health condition alongside their substance use disorder.

At AAC, our facilities are proud to provide comprehensive co-occurring disorder treatment for patients looking to solidify themselves in their recovery. Due to the specific nature of insurance plans, we recommend carefully reviewing your personal Anthem insurance policy details to be aware of what is covered and what is not, and to work closely with an Anthem representative to have any and all questions answered. If interested in any of AAC’s co-occurring disorder treatment programs, call us right now to have your insurance verified.

If someone is seeking treatment for a substance use disorder and has Anthem health insurance coverage, it is important to understand how it can be used to cover some or all of the cost of treatment. As an example, here is how this might work at Laguna Treatment Center, one of AAC’s facilities located in California:

1. Verify insurance coverage. The first step in using Anthem insurance to cover the cost of treatment at Laguna Treatment Center is to verify that the facility accepts it. This can be done by contacting the center directly or by calling the Anthem customer service line to confirm that Laguna Treatment Center is an in-network provider.
2. Check coverage details. Once it is confirmed that Laguna Treatment Center is an in-network provider, it is important to check the details of the insurance coverage. This includes understanding the deductible, copays, and coinsurance amounts that the person must pay. The coverage may vary depending on the specific plan and location.
3. Determine out-of-pocket costs. Even with insurance coverage, the person may still be responsible for some out-of-pocket costs, such as copays, deductibles, or coinsurance. It is important to understand these costs up front so that there are no surprises later.

Overall, using Anthem insurance to cover the cost of treatment at Laguna Treatment Center or any other treatment facility can help make treatment more affordable and accessible for people struggling with substance use disorders.

At AAC, we understand the many challenges you or your loved one may be facing as you work to acquire professional addiction treatment. Our team of dedicated, compassionate professionals is here to help make the process of using health insurance coverage to pay for rehab streamlined and simple.

Contact our team today to learn more about the programs our facilities offer, as well as if your insurance plan will offer some level of coverage for your addiction treatment. Call us at to learn more or have your insurance verified below.

Other Options to Pay for Addiction Treatment

While the ACA requires health insurance plans like Anthem to provide some degree of coverage for the treatment of mental health and substance use disorders, there may still be out-of-pocket costs associated with treatment that are not covered by insurance.

It is important for patients to communicate with both the treatment facility and their insurance company to determine what costs they may be responsible for. Patients can also ask the treatment facility if they offer payment plans or sliding scale fees based on income to help cover the cost of treatment.

Additionally, there are other ways to cover out-of-pocket costs for mental health and substance use disorder treatment. Some patients may choose to pay for treatment out-of-pocket or through private insurance. Others may be eligible for scholarships or grants to help cover the cost of treatment. Some treatment facilities may also offer financing options, such as loans or payment plans, to help patients cover the cost of treatment.

It is important for patients to understand that the cost of treatment should not deter them from seeking help. There are resources available to help cover the cost of treatment, and patients should explore all options to ensure that they receive the care they need to achieve recovery.

Other Insurances That Cover Rehab

• Ambetter Insurance
• UnitedHealthcare Insurance
• Humana Health Insurance
• Cigna Insurance
• Blue Cross Blue Shield Insurance
• Kaiser Permanente Insurance
• Veterans’ Insurance

AAC Addiction Treatment Centers

• Laguna Treatment Center
• Oxford Treatment Center
• River Oaks Treatment Center
• Recovery First Treatment Center
• Greenhouse Treatment Center
• Desert Hope Treatment Center
• AdCare Treatment Centers