Modified: 7th Oct 2019

Anthem Blue Cross Blue Shield Indiana 

Signs You May Need Rehab

Consuming drugs and alcohol to clinical impairment, attempting to abstain from drugs and alcohol without success, and seeking and obtaining drugs and alcohol daily are signs that you may need rehab. Deciding to seek addiction treatment, however, is the hard part. Facing your addiction by enrolling into a drug and alcohol rehabilitation program is half the battle. 

When you find yourself hiding your addiction from friends and family members, spending all your days looking for drugs and alcohol, and increasing your tolerance for drugs and alcohol, these are further signs that you may need rehab. 

Prolonged use of drugs and alcohol increases your tolerance and makes it difficult for you to quit on your own. Drug and alcohol rehab centers offer structured programming that will allow you to address your substance addiction and engage in addiction recovery with licensed clinicians and medical professionals. 

You may also need drug and alcohol rehab if you have an underlying mental illness condition that fits the guidelines of the Diagnostic and Statistical Manual of Mental Disorders (2013). Mental health patients and drug and alcohol rehabilitation patients may present with a dual diagnosis of mental illness condition and substance use disorder such as an opioid use disorder or alcohol use disorder. The mental illness condition could be primary, or the substance use disorder could be primary. The licensed counselor will make the determination based on the DSM criteria.

The following are standard signs that you may need drug rehab: 

  • Clinical impairment
  • Daily consumption
  • Intense cravings 
  • Prolonged use 

Triggers and daily stressors may affect your addiction and addiction recovery. Enrollment in a drug rehab facility will help you to deal with those triggers. Without addiction treatment, prolonged use of drugs and alcohol may lead to death and legal troubles. 

If you need a drug or alcohol rehabilitation program, contact Anthem Blue Cross Blue Shield Indiana to determine your drug rehab needs. Coverage depends on your addiction treatment plan and available coverage. 

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

Do Blue Cross Blue Shield of Indiana Plans Cover Drug & Alcohol Rehab?

Anthem Blue Cross Blue Shield Indiana health plans provide drug and alcohol coverage. 

Anthem Blue Cross Blue Shield Indiana offers catastrophic coverage for individuals under 30 years old who may qualify for one of 14 hardship exemptions. Anthem Blue Cross Blue Shield Indiana provides Medicaid for the disabled and those who are managing a chronic condition. 

Plan members must obtain pre-authorization with their primary care physician before setting an appointment at a drug and alcohol rehab center. Visits to a drug rehab center without prior authorization are usually not covered under BCBS Indiana. Out of pocket expenses apply for non-network providers. 

The physician referral will grant you the appointment you need at the drug and alcohol rehab center. At the meeting, you will speak to an addiction treatment specialist who is familiar with substance addiction. The first appointment is a fact-gathering objective where the therapist assesses and gathers information about your substance addiction. Assessment at the meeting will determine the type of treatment you need. You may need medical detox, inpatient treatment, or outpatient treatment if you do not present with prolonged use of drugs and alcohol. 

You also receive a dual diagnosis at the first appointment if you present with an underlying disorder or condition. 

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

The History of Blue Cross Blue Shield of Indiana

Anthem Blue Cross Blue Shield Indiana provide individual and family plans, travel medical insurance, catastrophic plans, Medicare plans, and Medicaid eligibility determinations. Anthem BCBS services the Indiana region. BCBS Indiana is NCQA-accredited. 

For more information on your coverage and plans or access to resources, contact Blue Cross Blue Shield of Indiana. 

Why Do We Need Rehab Coverage?

Healthcare providers have been accused of overprescribing opioid prescriptions, which has contributed to prolonged substance addictions and overdose deaths in some areas of the country.

Drug and alcohol rehabilitation coverage address the problem of substance use and overdose among the population needing addiction treatment.

Statistics on adult men and women who have struggled with substance addiction reveal that men binge drink more than women and women tend to suffer from an alcohol use disorder. Recent reports have concluded that adolescents and youth have become addicted to prescription medication and also struggle with illicit drugs and alcohol.

You may need drug rehab coverage if you present with a substance use disorder co-occurring with a mental illness condition. The 2008 Mental Health Parity and Addiction Equity Act offers guidelines for insurance companies required to provide comparable coverage for substance addiction and mental illness conditions with coverage for medical and surgical procedures. The 2010 Affordable Care Act suggests that mental illness is no longer a pre-existing condition and should be covered.

Drug rehab coverage is also useful for addressing the opioid crisis. The National Institute on Drug Abuse (NIDA) reports that in 2017, there were 70,200 overdose deaths, at a rate of 21.7 deaths per 100,000 persons. Among this number, there were 47,600 deaths involving prescription opioids (NIDA, 2019). Indiana healthcare providers wrote 74.2 opioid prescriptions for every 100 persons in 2017 (NIDA, 2019). The U.S. rate for opioid prescriptions is 58.7 prescriptions (NIDA, 2019). The price has decreased by 31 percent from a peak of 107.1 written orders for every 100 persons since 2010 (NIDA, 2019). 

Anthem Blue Cross Blue Shield Indiana will help you locate an in-network drug rehabilitation provider. 

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

How Does Blue Cross Blue Shield of Indiana Rehab Coverage Work?

Pre-authorization through a physician is required through Anthem Blue Cross Blue Shield Indiana. BCBS Indiana requires health plan members to follow the guidelines for drug rehab coverage, including setting appointments with in-network providers and visits to speak with a drug rehab specialist. Out of pocket expenses apply for meetings and visits without prior authorization. Contact BCBS Indiana if you are currently enrolled in a drug and alcohol rehabilitation program without approval. 

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

What is Detox?

Medical detox is the first part of the addiction treatment process. It is dedicated to patients who present with prolonged use of drug and alcohol substance to overconsumption. Patients who are struggling with drugs and alcohol typically spend all their day seeking and obtaining these substances. They have also tried unsuccessfully to abstain from alcohol. 

Medical detox is a medically monitored and supervised process by a clinician and licensed professional. Patients enter rehab and remain for a minimum of seven days. Some patients may be severely impaired and need detox for longer than seven days. A detox may even take weeks to complete for some patients. Removing the toxins from the body takes significant time. Eliminating the toxins from the mind takes even longer. Detox does not remove the behavioral patterns with substance use. Therefore, the licensed clinician will determine how long detox is necessary for your addiction treatment. 

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

What are the Differences Between Inpatient and Outpatient Treatment?

Inpatient treatment may be necessary for patients with prolonged substance use leading to tolerance and clinically significant impairment. Patients who have trouble navigating their daily lives without drug and alcohol use may benefit from inpatient residential treatment. 

With inpatient treatment, you will be required to live on-site, in a shared room. You are required to participate in structured programming, which typically includes individual and group therapy. You will also speak with a drug rehabilitation specialist as part of your addiction recovery.

With outpatient treatment, patients do not live on-site, but they are required to visit a drug rehab center daily and speak with a licensed clinician. Outpatient treatment may be a step down from inpatient residential treatment for some patients. However, some patients may enter outpatient treatment as the beginning stages of their addiction recovery if the drug rehab facility changes for the patient. Regardless, outpatient treatment continues the addiction recovery processes into aftercare and support. With outpatient treatment, patients live at home, attend school, and work. 

Anthem Blue Cross Blue Shield Indiana offers the following treatment options:

Inpatient Treatment

  • Residential treatment 
  • Detox
  • Therapy 
  • Room and board 
  • Structured programming 
  • Licensed counseling 

Contact Anthem Blue Cross Blue Shield Indiana for more information about coverage and out of pocket expenses. 

Outpatient Treatment

  • Daily visits 
  • Home returns
  • Work
  • School 
  • Therapy 
  • Counseling
  • Aftercare support

For more information on your coverage and plans or access to resources, contact Anthem Blue Cross Blue Shield, Indiana.

Get the Help You Deserve Today

If you or a loved one needs drug and alcohol rehabilitation treatment, contact Blue Cross Blue Shield of Indiana to discover your healthcare options. 

Resources

Anthem BCBS Indiana Contact Us

Anthem BCBS Indiana FAQs

Anthem BCBS Indiana Health Insurance

Anthem BCBS Indiana Individual and Family

Anthem BCBS Medicare Plans

References

American Psychiatric Association. (2013). Diagnostic and statistical manual of mental disorders, 5th edition. Washington, D.C.: American Psychiatric Publishing.

Beronio, K., Po, R., Skopec, L., & Glied, S. (2013, February 20). Affordable care act expands mental health and substance use disorder benefits and federal parity protections for 62 million Americans. Retrieved from https://aspe.hhs.gov/report/affordable-care-act-expands-mental-health-and-substance-use-disorder-benefits-and-federal-parity-protections-62-million-americans

Centers for Disease Control and Prevention. (n.d.). Fact sheets—excessive alcohol use and risks to men’s health. It is retrieved from https://www.cdc.gov/alcohol/fact-sheets/mens-health.htm.

Centers for Medicare & Medicaid Services. (n.d.). The mental health parity and addiction equity act (MHPAEA). The Center for Consumer Information & Insurance Oversight. Retrieved from https://www.cms.gov/cciio/programs-and-initiatives/other-insurance-protections/mhpaea_factsheet.html

National Institute on Alcohol Abuse and Alcoholism. (n.d.). Alcohol use disorder. It is retrieved from https://www.niaaa.nih.gov/alcohol-health/overview-alcohol-consumption/alcohol-use-disorders.

National Institute on Drug Abuse. (2019, May). Indiana opioid summary. It is retrieved from https://www.drugabuse.gov/drugs-abuse/opioids/opioid-summaries-by-state/indiana-opioid-summary.

Schulenberg, J.E., Johnston, L. D., O’Malley, P., Bachman, J. G., Miech, R. A., & Patrick, M. E. (2016). College students and adults ages 19-55. I am monitoring the Future, National Survey Results on Drug Use, 1975-2016. It is retrieved from http://www.monitoringthefuture.org/pubs/monographs/mtf-vol2_2016.pdf.