Anthem Coverage for Mental Health & Addiction Treatment
Anthem members may have access to drug rehab insurance, alcohol rehab insurance, mental health insurance, and recovery insurance through their health insurance policy. Although it cannot be guaranteed, it is always a good idea to familiarize yourself with the insurance benefits through Anthem insurance in order to understand the options available to you.
Anthem Health Insurance provides coverage for behavioral health services that help those suffering from substance use disorders and mental health issues.
What Anthem members should know
- Verify Coverage Quickly
- No Obligation
- Confidential


Does Anthem Cover Drug & Alcohol Rehab?
Many Anthem health insurance plans include behavioral health benefits that may cover substance abuse and addiction treatment services. Under the Affordable Care Act, mental health and substance use disorder treatment are considered essential health benefits included in many insurance plans.
The rehab coverage that is offered by Anthem may vary depending on whether the rehab facility is in-network, the type of insurance plan, and the level of care that is needed. For instance, medical detox and rehab services need prior authorization and meet the medical necessity criteria for coverage.
Since Anthem is a large insurance provider that offers services in many states, it offers a variety of plans, such as employer-sponsored plans, marketplace plans, and Medicare plans.

What Addiction Treatment Services May Be Covered by Anthem?
Anthem insurance coverage might include various treatment services that aid in the recovery of an individual suffering from an addiction.
Medical Detox
Medical detox is the initial treatment for an individual who is suffering from withdrawal symptoms due to drug or alcohol addiction. Anthem insurance coverage might include medical detox if it is medically necessary.
Inpatient / Residential Rehab
Inpatient rehabilitation is a 24-hour care program within a treatment facility that assists individuals dealing with substance use disorders as well as co-occurring mental health issues. The benefits vary depending on treatment history, clinical approval, and network participation.
Partial Hospitalization Programs (PHP)
Partial hospitalization programs allow patients to receive intensive treatment during the day while still going home at night. Some Anthem plans may offer PHP as a step-down level of care after an inpatient program.
Intensive Outpatient Programs (IOP)
Intensive outpatient programs provide several days of therapy per week in a structured environment without requiring overnight stays. Coverage by Anthem may include IOP when inpatient care is deemed not medically necessary.
Telehealth Intensive Outpatient Programs (IOP)
Some health insurance plans provided by Anthem may include coverage for behavioral health services through telehealth services if deemed medically necessary. Telehealth IOP is a type of online program that allows patients to participate in structured addiction or mental health treatment services through online platforms.
Banyan Treatment Center can help verify Anthem coverage to ensure that patients are eligible to participate in telehealth services.
Standard Outpatient Treatment
Outpatient rehab programs may include individual therapy, group counseling, and support services. Outpatient behavioral health services may be part of substance abuse treatment coverage under an individual's health plan with Anthem.
Aftercare / Continuing Care
Some Anthem plans may include coverage for telehealth behavioral health services when medically necessary. Telehealth treatment may allow patients to participate in therapy sessions or virtual outpatient programs through secure online platforms.
Note: Length of stay and level of care are typically determined by medical necessity and clinical evaluation.

Does Anthem Cover Mental Health Treatment and Therapy?
Generally speaking, Anthem health insurance plans offer coverage of mental health treatment services. These services may help people with depression, anxiety, trauma, substance abuse problems, and other mental health issues.
Coverage may include:
- Individual therapy and counseling
- Group therapy
- Family therapy
- Treatment for co-occurring mental health conditions
- Ongoing behavioral health support
Certain Anthem health plans may provide coverage for inpatient mental health services or residential treatment programs for those dealing with severe mental health issues or co-occurring conditions. Prior authorization is necessary along with documentation of medical necessity.
Inpatient Mental Health Coverage
Anthem health insurance plans may offer coverage of psychiatric services and medication management. These services may include psychiatric care, medication, and monitoring in some cases.
How Much Does Rehab Cost With Anthem?
The cost of treatment for addiction depends on various factors, such as the insurance plan and the level of care that is necessary. Although getting treatment from Anthem can minimize the cost of treatment, there are still out-of-pocket expenses that are necessary.
Factors That Affect Your Out-of-Pocket Cost
- In-network vs. out-of-network providers
- Deductibles, copays, and coinsurance
- Prior authorization and medical necessity review
- Level of care (medical detox, inpatient rehab, outpatient treatment)
- Specific Anthem plan structure
What You Can Do Right Now
Banyan Treatment Center is available to help verify your Anthem insurance benefits and explain them to you prior to entering treatment. In addition, where possible, we will also be able to provide you with an estimate of costs based on your insurance plan.
If You Call Anthem Directly, Ask:
- Is medical detox covered?
- Are inpatient or residential programs covered under my plan?
- Are PHP or intensive outpatient programs covered?
- Do I need prior authorization?
- Is this facility in-network?
- What are my deductibles, copays, and coinsurance?
- Are there limits on the number of treatment days or sessions?
Or, We Can Verify for You (Recommended)
- We contact your insurance provider directly
- We review coverage details and medical necessity requirements
- We explain the benefits clearly and confidentially
How to Find Treatment That Accepts Anthem
Finding treatment facilities that accept Anthem insurance coverage involves searching for Anthem's network providers.
Getting Matched to the Right Level of Care
A clinical assessment is used to identify the type of treatment program that is best suited to address the severity of substance abuse or mental health conditions, as well as insurance coverage.

Next Steps: Verify your Anthem coverage or speak with an admissions specialist today.
Frequently Asked Questions
The following Banyan Treatment Center and Banyan-affiliated locations accept Anthem insurance plans. Coverage and network status vary by plan and state, and insurance verification is required to confirm benefits.
- Banyan Palm Springs
67580 Jones Road
Cathedral City, CA 92234
760-642-1112
Coverage varies by Anthem plan and state. Insurance verification is required to confirm eligibility and benefits.
Verify Your Anthem Coverage for Treatment
Coverage details vary by insurance plan, location, and medical necessity requirements. Banyan Treatment Center can help you understand your Anthem insurance benefits and explore appropriate addiction and mental health treatment options.
Banyan Facilities for Drug, Alcohol, & Mental Health Treatment
Banyan Castle Rock
Located in Castle Rock, CO
Substance Use Inpatient
Mental Health Inpatient
Telehealth Virtual IOP
Banyan Heartland
Located in Gilman, IL
Substance Use Inpatient
Mental Health Inpatient
Substance Use Outpatient
Telehealth Virtual IOP
Banyan Palm Springs
Located in Cathedral City, CA
Substance Use Inpatient
Telehealth Virtual IOP
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