Mental health treatment can be life-changing, but cost and insurance concerns often stand in the way. Thankfully, Anthem mental health coverage makes it easier to access quality care. Many plans include services for therapy, medications, and even inpatient treatment. Understanding what’s covered can help you or a loved one take the first step toward recovery.
Does Anthem Cover Mental Health Treatment?
Yes, Anthem covers mental health treatment through most of its insurance plans. Coverage typically includes services like therapy, counseling, and psychiatric care. Depending on the specific plan, inpatient and outpatient treatment programs are also available. These services fall under behavioral health benefits offered by Anthem.
Anthem follows the Mental Health Parity and Addiction Equity Act, which ensures that mental health coverage is equal to physical health coverage. That means things like copays and session limits must be fair and balanced. However, the exact details can vary between plans and states.
How Do I Check My Anthem Plan for Mental Health Treatment?
To understand your Anthem mental health coverage, review your benefits summary online. Log in to your Anthem account and look under “Behavioral Health Services.” This section outlines covered services, session limits, and associated costs, such as copays or deductibles.
You can also call the number on your Anthem insurance card. A representative can explain your mental health benefits in detail. They can also help you find in-network providers and answer questions about pre-authorization. If you need help navigating your plan, your treatment center may also be able to assist you.
If you already have a specific treatment center in mind, contact its admissions team. The admissions team can review your Anthem coverage and let you know what treatments are covered and any copays and deductibles.
What Types of Mental Health Disorders Does Anthem Cover?
Anthem covers a wide range of mental health conditions. Common disorders include:
Anthem also covers treatment for schizophrenia and other severe mental health conditions. This includes both therapy and medication management.
Many Anthem plans also include support for co-occurring disorders. These are cases where someone struggles with both addiction and a mental health condition. Getting care for both simultaneously is often the most effective approach. Anthem plans support integrated treatment for better results.
Which Treatments Are Covered by Anthem?
Anthem mental health coverage includes a wide range of evidence-based treatments. Commonly covered services include individual therapy, group therapy, and family counseling. Psychiatric evaluations and medication management are also typically included in coverage.
In more severe cases, Anthem may cover inpatient or residential treatment programs. These programs offer round-the-clock care in a supportive setting. Anthem also often covers intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs). These structured programs provide more support than standard outpatient therapy.
In addition, telehealth services might be included as well. This allows members to connect with a licensed provider from the comfort of their own homes. It’s a convenient and effective option for many people who have mental health disorders and who have:
- Mobility issues
- Transportation issues
- No providers nearby in their area
Do I Need a Referral To Begin Mental Health Treatment Covered by Anthem?
Most therapists that accept Anthem do not require a referral from a primary care doctor. Many Anthem plans allow members to schedule therapy or psychiatric appointments directly. However, some plans may require prior authorization, especially for inpatient or intensive services.
To be safe, always check your plan’s requirements before starting treatment. You can do this online or by calling Anthem customer service. The provider you choose can also confirm if referrals or approvals are needed. Beginning with an in-network provider helps you avoid unexpected costs.
How Much Does Mental Health Treatment Cost With Anthem Coverage?
The cost of care depends on your Anthem mental health coverage and specific plan details. Most plans include copays for outpatient services, like therapy or psychiatry. These copays are usually similar to those for primary care visits.
If your plan includes a deductible, you may need to pay out of pocket until you reach it. Once the deductible is met, Anthem covers more of your treatment costs. For inpatient care, coinsurance may apply instead of a flat copay.
Using in-network providers helps lower your costs significantly. Anthem negotiates lower rates with these providers, making treatment more affordable. Always check to confirm your provider is in-network before starting care.
Does Anthem Cover Holistic Mental Health Treatments?
Many therapists who accept Anthem also offer holistic services as part of a comprehensive treatment plan. While Anthem often focuses on evidence-based care, some plans include coverage for holistic treatments. These may include services like mindfulness training, yoga, and art therapy.
However, specific coverage for holistic treatments depends on your plan and state. These services may or may not be included, even alongside covered therapies. For example, a residential program might include individual counseling and meditation.
Depending on your coverage, Anthem usually covers individual therapy but may or may not cover meditation. Always check with Anthem to confirm which holistic services are included.
It’s a great option to use a treatment center that accepts Anthem and offers clinical and holistic care. This approach addresses mental, physical, and emotional needs together.
How Long Does Anthem Cover Mental Health Treatment?
The length of coverage depends on your mental health coverage and the level of care you need. Some plans cover ongoing outpatient therapy with no set session limit. Others may limit the number of sessions per year or require reauthorization after a certain number.
Inpatient treatment and intensive programs usually require prior approval. Anthem reviews your progress and medical needs to determine how long treatment is covered. This process helps ensure you receive care as long as it’s clinically necessary.
Working with a treatment center familiar with Anthem can help avoid disruptions. They can handle reauthorizations and advocate for continued care when needed.
Use Your Anthem Mental Health Coverage in Tennessee Today
If you or a loved one is struggling, help is available. Tennessee Valley Recovery, a trusted addiction and mental health treatment center, accepts Anthem mental health coverage. Our team offers comprehensive programs with therapy, psychiatric care, and treatment options tailored to your needs. Take the first step toward healing and contact our admissions team today. We’ll verify your insurance, explain your benefits, and help you get started on improving your mental well-being.