Rehabs that Take Anthem Blue Cross Blue Shield in Indiana

Anthem BlueCross Blue Shield Indiana is an insurance company that provides health insurance to Hoosier state residents through its parent companies Anthem and BlueCross and BlueShield. BlueCross BlueShield is a nationwide insurance provider that has been providing insurance to people across the country since 1929.⁴ Across all 50 states, Washington, D.C., and Puerto Rico, nearly 110 million people are covered by a BCBS plan.⁴

BCBS has 35 locally operated and independent companies that provide healthcare coverage to all these people.⁵ In Indiana, healthcare coverage is provided by Anthem BlueCross and Blue Shield, which is a trade name of Anthem Insurance Companies.⁵ Anthem is one of the nation’s largest health benefits companies and is an independent licensee of the BlueCross Blue Shield Association in 14 states, including Indiana.⁶

In general, most healthcare plans in the United States must cover mental and behavioral health services in some capacity.⁷ This is because the Affordable Care Act (ACA), mandates coverage for 10 essential health benefits, including mental health and behavioral treatment and services.⁸ Specifically, your Anthem plan must cover substance use disorder treatment (including rehab in Indiana), inpatient mental and behavioral health services, and behavioral health treatment in some capacity.⁷ The extent to which a service may be covered will depend on your plan’s details, as well as whether the facility is within your Anthem network of providers. Moreover, you may be required to pay certain costs out of pocket (e.g., deductible or copays) before insurance kicks in.

What your Anthem BCBS of Indiana plan will cover will vary greatly, as there are many different types of plans offered by the company. However, most plans will cover rehab treatment for various substance addictions in some capacity, as mandated by the Affordable Care Act.⁷ As such, the cost of addiction treatment for substances such as alcohol, marijuana, opioids, heroin, cocaine, crystal meth, and prescription drugs may be covered under your plan. To learn more about your policy’s coverage details, please call the number on the back of your insurance card.

What Rehab Programs Does Anthem BCBS Indiana Cover?

What Anthem BCBS Indiana will cover in terms of rehab programs will vary based on the plan you have and where you attend rehab. What’s more, your personal treatment plan will be unique to you. Common rehab programs that may or may not be recommended for you include the following:^9,10

• Medical detox. This involves ridding the body of substances (e.g., drugs or alcohol) in a medically supervised setting to help manage any withdrawal symptoms that may be experienced.
• Inpatient programs. Most intensive care takes place in residential inpatient programs, which involve a patient staying at the facility overnight, either for a few days, weeks, or months, in some cases.
• Outpatient programs. Care that does not involve an overnight stay is commonly referred to as outpatient care, and in outpatient programs, where the patient stays at home and then attends the program during the day, sessions are usually 1 or 2 times per week.
• Intensive outpatient programs (IOPs). As the name suggests, an intensive outpatient program is a more involved outpatient program. Generally, patients in IOPs receive care for a minimum number of hours each week (usually a minimum of 9 hours per week) at an outpatient care facility.
• Partial hospitalization programs (PHPs). With a partial hospitalization program, no overnight stay is involved, and a patient would receive their care for a minimum number of hours per day a few times per week. Generally, PHPs are 4-8 hours per day, multiple days per week.
• An aftercare program can include many different activities, as the term is used to refer to ongoing or follow-up care a patient may receive after completing rehab.

Due to the ACA’s essential health benefits mandate, your Anthem IN plan should cover both mental health and dual diagnosis treatment.⁷ According to the Substance Abuse and Mental Health Services Administration (SAMHSA), a dual diagnosis or a co-occurring disorder is when someone has both a mental health and substance use disorder.¹¹ For example, someone could be experiencing post-traumatic stress disorder and SUD, and both can negatively affect and exacerbate each other.¹¹

Approximately 9.2 million Americans have a dual diagnosis or co-occurring disorder, meaning it is rather common.¹¹ Treating both conditions at once is generally the most effective treatment path, which is why it is beneficial that Anthem plans cover such treatment in some capacity.¹²

No matter what substance you’re struggling with, help is available. Addiction treatment programs range from detox and inpatient rehab to outpatient care and long-term recovery support. Use our search tool to find rehabs near you that fit your needs. Search by insurance provider, level of addiction treatment, and more.

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Insurance Providers and Rehab Treatment Coverage Levels

1. United States Census Bureau. (2021). Indiana: 2020 Census.
2. Indiana University. (n.d.). Understanding the Crisis: The Crisis in Indiana.
3. National Institute on Drug Abuse. (2020). Indiana: Opioid-Involved Deaths and Related Harms.
4. BlueCross BlueShield. (2022). The Blue Cross Blue Shield System.
5. BlueCross BlueShield. (2022). BCBS® Companies and Licensees.
6. Anthem. (2020). Company History.
7. Healthcare.gov. (n.d.). Mental health & substance abuse coverage.
8. Healthcare.gov. (n.d.). Essential Health Benefits.
9. Substance Abuse and Mental Health Services Administration. (2015). TIP 45: Detoxification and Substance Abuse Treatment.
10. Substance Abuse and Mental Health Services Administration. (2014). What is substance abuse treatment? (Original work published 2004).
11. Substance Abuse and Mental Health Services Administration. (2020). Mental Health and Substance Use Disorders.
12. National Institute on Drug Abuse. (2018). Comorbidity: Substance use and other mental disorders.