Using Anthem Insurance for Rehab at Icarus in NM
Getting your drug use under control is critical to living a full and healthy life. However, many people wonder what exactly it would cost them to receive the help they require to get sober. The good news is that your insurance provider may foot some of the bill for your treatment. If you have Anthem Blue Cross New Mexico drug rehab coverage, here is what you need to know about your treatment.
Icarus Behavioral Health has a warm and welcoming team of insurance verification professionals who can help guide you through the process of selecting a rehab center. We can quickly verify your insurance and give you an estimate of what you will owe without dealing with the toll-free hotline on the back of your card.
Call us today to learn more about how you can take the first steps toward sobriety with Anthem BCBS alongside the help and support of our programs at Icarus Behavioral Health in New Mexico!
The Affordable Care Act and Substance Use Disorder
One of the great triumphs of the Affordable Care Act is its specification that every insurance provider must cover substance use disorder treatment. If you are thinking about drug and alcohol rehab, this is great news that can help you finally take the steps necessary for sobriety.
The ACA lists ten elements that it considers essential health benefits, and it includes mental health and substance abuse treatment. Icarus Behavioral Health offers both types of treatment to give you a solid and comprehensive treatment plan that allows you to take on your sobriety as soon as possible.
No matter what level of treatment you need at the moment, Icarus Behavioral Health in New Mexico can help. Here are a few of the services provided by our team of professionals that could be covered with your Anthem Blue Cross Blue Shield insurance plans.
It is worth noting that Icarus is also fully licensed to treat mental health concerns, with expert mental health services from licensed medical professionals. Anthem Blue Cross of New Mexico also covers such services, when medically necessary, with or without the presence of substance abuse.
Medical Detox Services at a Treatment Facility
Icarus Behavioral Health offers more than just behavioral health services. We also offer medical detox as the first step to entering our residential treatment center. This process allows you to be both comfortable and safe within our treatment facility, free of the temptation to continue to abuse drugs or alcohol.
We can administer medications that minimize the uncomfortable side effects of the detox process in our treatment center. Plus, you will have around-the-clock access to our team of mental health professionals who can talk with you, offer new coping skills, and put you on the path to successful long-term sobriety.
Inpatient Residential Treatment Centers
After the drugs are cleared from your system, you can segue into our inpatient psychiatric hospital services or rehab treatment center. You will stay within our facility for 30 days or longer, learning how to manage the cravings that will inevitably come up around your substance use. It is a safe way to dive headfirst into a newly sober lifestyle.
As part of the process, you will continue to receive one-on-one counseling sessions, group therapy, and medication-assisted treatment.
Partial Hospitalization for a Step-Down Treatment
Partial hospitalization is a bridge between inpatient rehab and intensive outpatient programs in the treatment of substance use disorders and even for mental health issues that rise to the level of diagnosable conditions.
At our PHP program, clients will spend several hours in a treatment center each day but return to their homes at night to practice the important skills that they have learned.
It offers you some flexibility and freedom that is absent from a traditional inpatient treatment program. In many ways, partial hospitalization is like a school program where you attend during the day and learn how to manage your substance use disorder.
It’s a great way to test your sobriety with lots of structure in place before you move to less restrictive settings.
Intensive Outpatient Program and Behavioral Health Services
Once you graduate from inpatient treatment, you might transition to an intensive outpatient program that is often covered in part by your insurance provider. This is a great way to transition back to the grind of your regular life, whether that means family obligations or work.
These IOP programs allow you to spend your days receiving the necessary treatment to support you early in your sobriety from substance use disorder. In the evenings, you can return home to your own bed and your family. Feel free to come and go as you please, as long as you attend all of your appointments each day.
Outpatient Treatment for Maintenance
After spending some time in IOP, you and your treatment team might decide that you are ready for an even further step back from treatment. Traditional outpatient treatment allows you to spend more time on your own while still experiencing the support you need from your professional team.
You may spend just five to six hours each week receiving mental health or substance use services. Many of the most common insurance providers continue to provide coverage for these services, though the overall cost will likely be less than those rendered at the partial hospitalization or IOP level.
How Much Will You Owe with Anthem Blue Cross New Mexico Drug Rehab Coverage?
If you are ready to enter into a drug and alcohol rehab, the financial obligation can still serve as a major hangup. You want to know exactly what a treatment center is going to set you back financially to ensure that you are not putting undue pressure on your family and finances.
The good news is that mental health and addiction may not be as expensive as you think. Health insurance costs can often be covered fully or partially by Anthem insurance.
All insurances provided by the Healthcare Marketplace or Medicaid are required to treat substance abuse, you can rest assured that your Anthem Blue Cross Blue Shield in New Mexico plan will cover some of the cost. The exact figure that they cover is not as clear-cut though. Instead, it depends largely on the plan you select.
Here are a few factors that can impact how much you will owe with your Anthem Blue Cross New Mexico insurance plan.
In-Network vs Out-of-Network
The first thing to consider is whether Icarus Behavioral Health is an in-network provider for your plan. We do accept Anthem BCBS insurance, but that does not necessarily mean that we are in-network for your specific plan.
When selecting health insurance through the Marketplace, you will want to enter the facility of your choice so you can narrow down which plans will provide the best coverage. An in-network facility is typically less expensive than an out-of-network provider. Some discounts are offered based on the agreement between the facility and Anthem.
For example, you may pay $100 per day for an in-network provider but $200 per day for an out-of-network provider. Be sure to research the treatment center you want to go to when selecting your plan.
Levels of Care: Inpatient vs Outpatient Treatment Programs
Not all substance abuse treatment options will cost the same amount. It depends on the level of care that you require and the treatment center where you seek help. If you are working with an in-network provider for your Blue Cross Blue Shield health insurance plan, then you will have a fixed amount to pay in exchange for services.
A contract is worked out between the health insurance company and the rehab treatment center. They agree to a specified cost for each level of care which is then passed on to you, the patient. You should know exactly what you will be expected to pay upfront so that there are no surprises when you graduate from treatment or transition to outpatient care.
Keep in mind that every one of our patients goes through a different process to reach their sobriety. Your plan will be customized to your unique needs and insurance coverage. That means that you shouldn’t base your concept of the cost on what a friend or family member paid for their own treatment.
If you want to know what you can expect to owe for your treatment, it is best to call Icarus Behavioral Health directly. Our insurance verification team can quickly and confidentially answer your questions. Plus, we can let you know exactly what you will owe for the treatment you need without any pressure to enroll in our services.
Insurance Plan Types: Bronze, Silver, Gold, or Platinum
Individuals who bought their health insurance plan through the Healthcare Marketplace are likely familiar with the different levels of care: bronze plans, silver plans, gold plans, and platinum plans. They are grouped according to their monthly cost, but they also dictate what the policy will cover and in what percentages.
Bronze plans are the least expensive option on the marketplace, but they also cover the least. You will have higher out-of-pocket costs for services rendered but a lower monthly cost. Insurance usually covers roughly 60 percent of the cost of your treatment, leaving you with the bill for the other 40 percent.
Silver plans are a little more expensive than bronze plans but have lower annual deductibles (the amount that you have to pay before your insurance coverage kicks in). After the deductible has been paid, you will usually be responsible for around 30 percent of the cost of your treatment.
Gold plans are a great option if you intend to really use your health insurance in the coming year. They have low deductibles, low out-of-pocket costs (20 percent), and are great for frequent use. If you want your Blue Cross Blue Shield plan to pay more of your treatment costs, then a gold plan may be the best way to ensure minimal costs.
Platinum plans are on the other end of the spectrum: expensive on a monthly basis but less expensive for the healthcare services received. These plans tend to cover an incredible 90 percent of treatment costs with you forking over the remaining 10 percent.
If you know that you will be seeking help for mental health or addiction treatment, you may want to select a plan that covers more of your costs. Gold plans or platinum plans often have lower costs for inpatient treatment, which can help you get the help you need in the upcoming year.
Is a Prior Authorization Required at Icarus in NM?
Sometimes, your Anthem Blue Cross Blue Shield plan may require prior authorization before you can enroll in an addiction treatment program. This can be a great way to figure out exactly what services you need and ensure that you get the help that really makes a difference for you.
BCBS will review what your team believes you require to get healthy and make a determination of how much you will owe. The cost is based on the contract amounts with the facility, but knowing how long you anticipate receiving treatment and at what level helps to give a better idea of the scope and cost.
Icarus Behavioral Health is familiar with the prior authorization process. We can make it quick and easy to get a quote on the services you are interested in for bolstering your mental health and minimizing your substance use. Our process is seamless, getting you the help you need quickly whenever you are ready to take the first steps toward sobriety.
Get Confidential Insurance Verification for Anthem at Icarus
Many people wish they could seek treatment for a drug use issue, but they get caught up in the red tape that insurance providers tend to put around it. If you are serious about taking the next steps to get sober, allow Icarus Behavioral Health in New Mexico to help you see what your Anthem BCBS insurance will cover.
You can skip calling the number on the back of the card to learn more about the bottom-line price of your treatment. Instead, our warm and welcoming team at Icarus can quickly and confidentially give you the resources you need. You won’t be blindsided by the cost and you won’t be confused about what you owe and when.
Get the help you need for any type of substance use disorder without draining your bank account. Allow Icarus Behavioral Health to assist you in getting your insurance provider to help cover the cost of the services you need most. Contact our team today to learn more!