Treatments for Substance Addiction and Mental Health Disorders by Anthem Blue Cross and Blue Shield of New Hampshire Health Insurance

Nearly 30% of residents in New Hampshire were struggling with anxiety or depression in early 2023. For many, treatment is more accessible with the use of insurance coverage, such as Anthem Blue Cross and Blue Shield of New Hampshire. Your insurance policy likely includes coverage for inpatient care and various outpatient treatment programs.

 

Anthem Blue Cross and Blue Shield of New Hampshire rehab options can include a range of behavioral health concerns like substance abuse, mental health, and dual diagnosis concerns. With comprehensive coverage, your treatment can include the use of Medication-Assisted Treatment (MAT) and psychiatric care when necessary. Below, you can learn about rehabilitation programs commonly included in Anthem Blue Cross and Blue Shield of New Hampshire’s rehab coverage options.

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What Types of Health Insurance Plans Does Anthem Blue Cross and Blue Shield of New Hampshire Offer?

Anthem Blue Cross and Blue Shield of New Hampshire is a nonprofit health insurance provider. As an independent licensee of the Blue Cross Blue Shield Association, coverage is available for residents across New Hampshire. Anthem BCBS can be traced back to the 1930s and was eventually acquired by Anthem in 1999.

Anthem BCBS of New Hampshire offers a diverse range of policy options for insured members, including ACA-compliant plans like bronze, silver, and gold tiers. Additionally, Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans are commonly available. Qualifying NH residents may be eligible for Medicaid and Medicare Supplement coverage options.

Anthem BCBS has over 600,000 insured members in NH and millions across the country. Like other insurance providers, Anthem BCBS has reinsurance to provide itself with financial backing for when treatment costs are higher than expected. Behavioral health conditions are unique to each person, making this a common precaution. Insurance policies available to insured members were determined by an actuary who evaluated the risks and liabilities of various behavioral and medical health concerns, along with appropriate treatment options. Individual policies are determined during the underwriting process when an underwriter evaluates your health history and compares it to available plan options. Your policy may include out-of-pocket expenses like premiums, copayments, and deductibles. We encourage you to verify your insurance coverage with CheckMyInsurance.co to learn about the essential details of your policy, and how they apply to various behavioral health treatment options.

While New Hampshire is ranked 14th regarding mental wellness and access to treatment, there are still about 221,000 adults living with a mental illness. Around 57,000 people experience serious mental health conditions, which can greatly affect their quality of life. Treatment costs are a concern for 40% of those who are unable to access needed treatment services.

Illicit drug use affects just under three percent of adults in NH. The drug-related fatal overdose rates within the state align with the national average, with an average of 32.4 deaths per 100,000 residents in 2021. Mental health conditions are also known to affect the youth within NH. A survey focused on youth found that 44% felt sad or hopeless nearly every day for two weeks or more. 36% of youth within the state reported poor mental health, citing struggles with anxiety, depression, and stress.

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Health Insurance Coverage in New Hampshire for Alcohol and Drug Rehab

What Steps Should I Take to Get Anthem Blue Cross and Blue Shield of NH to Cover My Mental Health Treatment and Substance Addiction Treatment?

To begin, we encourage you to verify your coverage with CheckMyInsurance.co. This can help you understand the necessary steps that should be taken to receive maximum coverage. This can include receiving a referral from your primary care physician or a prior authorization to initiate the claims process.

We encourage you to be mindful of limitations or exclusions for out-of-network and high-end treatment providers, as this can significantly affect the coverage that you receive. Choosing a provider outside these limits can reduce coverage or lead to a denial of your claim. Additionally, be mindful of the expiration dates or session caps on any authorizations you have received. You may need to request an extension for coverage in some cases. Try to keep documentation of conversations with Anthem BCBS as well as your treatment provider, in case you experience difficulties with the claims process down the road.

Alcohol and Drug Addiction in New Hampshire: Is Treatment Covered by Anthem BCBS of New Hampshire?

Yes! Anthem Blue Cross and Blue Shield rehab coverage applies to addiction treatment programs. This can include an assortment of treatment options focused on alcoholism, drug dependency, and poly-substance use. Depending on your symptoms, you may benefit from detoxification, inpatient care, or various outpatient treatment options.

Addiction rehabilitation programs can offer a range of treatment services for comprehensive care. This can include therapy, counseling, support groups, educational sessions, and family programming. Evidence-based approaches like cognitive-behavioral therapy, motivational interviewing, and other holistic approaches may also be used.

While Anthem Blue Cross and Blue Shield do cover rehab programs, coverage can vary greatly. Your policy may be subject to out-of-pocket expenses or have exclusions for providers outside your insurance network. You can learn more about your available coverage by verifying your insurance policy with CheckMyInsurance.co today.

Medication-Assisted Treatment (MAT) costs are commonly included in Anthem Blue Cross and Blue Shield of New Hampshire drug rehab coverage. MAT services can be an effective treatment option for drug dependency, alcoholism, and poly-substance abuse. It may be offered in detox, inpatient, or outpatient care settings based on your symptoms.

MAT services are commonly used to ease the intensity of withdrawal symptoms, including both physical and psychological symptoms. In some cases, MAT may be continued for continued support in recovery. This includes individuals who are struggling with alcohol, heroin, synthetic opioids, and prescription pain medications. Prescription drug coverage is typically used to reduce the cost of medications. You may be responsible for copayments and deductibles under your prescription drug coverage.

Yes! Detoxification programs are commonly included in Anthem Blue Cross and Blue Shield of New Hampshire’s alcohol and drug rehab coverage. Your coverage can vary and may have limitations or exclusions for high-end treatment facilities. Detox programs may be one of the shortest addiction treatment programs, but they tend to have the highest costs.

Detox programs are an essential medical treatment program that provides medical supervision and support for those who are experiencing or at risk of withdrawal symptoms. This is especially true for those who have pre-existing medical conditions and co-existing mental health conditions that may be worsened during the early stages of sobriety. Treatment providers can often help you locate nearby aftercare options that can continue providing you with the support you need to sustain long-term recovery.

Rehab centers that take Anthem Blue Cross and Blue Shield of New Hampshire insurance policies commonly provide dual diagnosis treatment services. Studies indicate that about a quarter of adults who have psychiatric conditions have co-existing substance use disorders. Dual diagnosis care is commonly available in inpatient and outpatient care programs.

Therapy and counseling services are used to simultaneously address both of your mental health concerns, allowing you to access comprehensive care. Treatment can focus on strengthening emotion regulation, distress tolerance, effective communication, and relapse prevention skills. Common mental health conditions that co-exist with addictions include depressive disorders, anxiety disorders, PTSD, ADHD, and schizophrenia spectrum disorders. Psychiatric and MAT services may be included when necessary.

Veterans can access a range of Anthem Blue Cross and Blue Shield of New Hampshire insurance policies. Depending on your needs, this may include individual, group, family, and employer-sponsored plans. Veterans are often eligible for medical and behavioral health treatments through the VA healthcare system, though many choose to carry private insurance to broaden their access to healthcare services.

VA treatment options are often limited to VA healthcare facilities and providers within the Community Care Network (CCN). For those who wish to have options outside these providers, private coverage is an ideal option. Your Anthem BCBS policy may require various out-of-pocket expenses or have exclusions for out-of-network treatment providers.

Which of New Hampshire’s Available Treatment Programs Are Typically Covered by Anthem BCBS of New Hampshire?

Anthem Blue Cross and Blue Shield behavioral health coverage can include a range of treatment services and programs. This ensures that policyholders can access treatment that is fitting of their symptoms and overall mental health needs. Though this is not an exhaustive list, it can introduce you to commonly used behavioral health treatment options.

Residential and inpatient care is ideal for moderate to severe symptoms that cause clinically significant distress that is difficult to manage independently. Treatment programs occur in a live-in healthcare facility, with professional support and guidance available around the clock. Inpatient care often takes place in a hospital setting, while residential care occurs in private treatment settings.

While Anthem Blue Cross and Blue Shield of New Hampshire covers inpatient rehab, there may be exclusions for high-end facilities and providers outside your insurance network. Individuals who have supplemental coverage or an umbrella policy may have lower out-of-pocket expenses to pay.

Partial Hospitalization Programming (PHP) is a treatment option that resembles inpatient care that allows you to live at home. These programs provide a full day of treatment services, including therapy, family counseling, and support groups. Treatment can incorporate MAT and psychiatric care when necessary.

Anthem Blue Cross and Blue Shield of New Hampshire drug rehab coverage can include PHP treatment. PHPs may also be covered for those struggling with alcohol abuse and other behavioral health concerns. PHPs are an intensive treatment program that often requires prior authorization for the claims process.

Intensive Outpatient Programs (IOPs) provide flexible treatment for those who require intensive care while beginning to return to everyday life. IOPs are commonly available in the morning and evening hours to accommodate personal and professional responsibilities. Treatment typically incorporates group and individual therapy with dual diagnosis, MAT, and psychiatric care available when needed.

While IOPs are typically included in Anthem BCBS of New Hampshire insurance coverage, you may be responsible for out-of-pocket expenses like premiums, deductibles, and copayments. Prior authorization or a referral may be required for maximum coverage.

How to Review Health Coverage Levels of Anthem Blue Cross and Blue Shield Health Insurance

When you’re ready to learn about the details of your insurance policy, head over to CheckMyInsurance.co. We created a free and reliable coverage level checker tool that is available to New Hampshire residents. We will help you learn about the important details of your policy that can affect the coverage you receive.

This can include things like required referrals and prior authorizations to initiate the claims process. Your policy may have limitations or exclusions regarding treatment providers you can work with, which can affect your coverage. It is essential that you choose a reliable resource when verifying your insurance policy because the information you receive will directly impact the decisions you make regarding behavioral treatment.

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How Often Does Anthem BCBS of NH Pay for Substance Use Disorder Treatments and Mental Health Treatments?

Anthem Blue Cross and Blue Shield of New Hampshire policyholders can typically access behavioral health services based on necessity. It is important to note that some insurance policies do have session limits or caps for some treatment options. This is more often found with coverage for inpatient care, partial hospitalization programming, and intensive outpatient programs.

It is important to note that there are cases where insured members require coverage beyond the typical scope of their healthcare plan. In these cases, treatment providers can help you submit the necessary documentation for an appeal requesting additional coverage. This could include your diagnosis, treatment recommendation, and current treatment plan.

Best Options for Mental Health Clinics in NH That Accept Anthem Blue Cross and Blue Shield Health Insurance

  1. Birch Grove Mental Health: 10 Old Bedford Road, Bedford, NH 03110
  2. Ridge RTC – New Hampshire (residential teen program): 243 Lewis Hill Road, Milton, NH 03851
  3. LifeStance Health – Exeter: 24 Front Street, Suite 100, Exeter, NH 03833
  4. LifeStance Health – Portsmouth: 414 State Street, Suite 2, Portsmouth, NH 03801
  5. LifeStance Health – Portsmouth Islington: 539 Islington Street, Suite 4, Portsmouth, NH 03801
  6. Aerie Healthcare (Adolescent PHP & IOP): 46 Pleasant Street, Concord, NH 03301
  7. Clear Reflection Counseling (Adolescent IOP): 10 Nashua Street, Milford, NH 03055
  8. Clear Steps Recovery (Outpatient Mental Health + Addiction): 25 Nashua Road, Londonderry, NH 03053
  9. GateHouse Treatment Center: 34 Franklin Street, Nashua, NH 03063
  10. LifeStance Health – Nashua: 1 Main Street, Nashua, NH 03064

Best Options for Addiction Clinics in NH That Accept Anthem Blue Cross and Blue Shield Health Insurance

  1. GateHouse Treatment Center: 34 Franklin Street, Nashua, NH 03063
  2. Avenues Recovery Center at New England: 151 Lake Street, Nashua, NH 03060
  3. Sobriety Centers of New Hampshire – Lakes Addiction Treatment Center: 34 Greenwood Avenue, Laconia, NH 03246
  4. Green Mountain Treatment Center: 24 Redstone Drive, Lebanon, NH 03766
  5. Farnum Center: 599 High Street, Manchester, NH 03103
  6. Aware Recovery Care: 4 Gateway Drive, Nashua, NH 03060
  7. Live Free Recovery Services: 72 Cedar Street, Manchester, NH 03103
  8. The Granite House: 439 Court Street, Keene, NH 03431
  9. The Process Recovery Center: 37 Quarry Road, Concord, NH 03301
  10. New Freedom Academy: 10 American Way, Franklin, NH 03235

What Are the Typical Out-of-Pocket Costs of Substance Addiction and Mental Health Treatment Without Health Insurance in New Hampshire?

New Hampshire is among the top ten most expensive states in the U.S. for residential addiction treatment. Ranked as the 40th state, New Hampshire residents typically pay around $58,777 for treatment, according to the National Center for Drug Abuse Statistics (NCDAS). Traditional outpatient care is on the higher end of the spectrum compared to other states, averaging at $1,855.

It is important to note that treatment costs for mental health and substance abuse treatment can vary greatly. One of the key factors affecting treatment costs is the specific level of care, use of specialized services, and the duration of care. Other factors to be mindful of include available amenities, alternative therapies, the location of the healthcare facility, and the experience of staff. Those who are paying out of pocket for addiction or mental health treatment are encouraged to speak with treatment providers about available payment options. Some healthcare facilities offer sliding scale fees, income-based payments, and payment plans to help make treatment costs more affordable.

What Are the Typical Costs of Substance Addiction and Mental Health Treatment With Anthem BCBS of New Hampshire Health Insurance?

Behavioral health treatment costs with Anthem BCBS of New Hampshire coverage can vary because they are dependent on the details of your insurance plan and your chosen health care provider. Your policy likely has set out-of-pocket expenses like copayments, deductibles, and premiums.

You may have limitations or exclusions for treatment providers that can decrease the coverage provided, which can increase the expenses you accrue. Other factors to be mindful of are required authorizations and referrals, which could delay your claims process. To learn about the specific costs associated with your coverage, we invite you to verify your coverage with CheckMyInsurance.co today.

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  • The prevalence of fatal drug-related overdoses in New Hampshire was nearly identical to the national average, with a prevalence of 32.4 deaths per 100,000 residents compared to 32.3 deaths per 100,000 individuals.
  • Of the 221,000 adults living with a mental illness in New Hampshire, approximately 57,000 are experiencing a serious mental illness like major depression, schizophrenia spectrum disorder, or bipolar disorder. Over 40% of those who were unable to engage in therapy or counseling identified treatment costs as their biggest barrier to care.
  • Just under three percent of New Hampshire adults were living with an illicit drug use disorder, which was equal to the national average during that time frame.
  • New Hampshire was ranked 14th out of all the U.S. states regarding the overall mental health ranking. Simply meaning that NH was among the top 15 states with the lowest rates of mental health conditions and most access to necessary behavioral health treatments.
  • The Youth Risk Behavior Survey found that an estimated 44% of youth in NH experience sadness or hopelessness nearly every day, for two weeks. Over 36% reported poor mental health, indicating a struggle with depression, stress, and anxiety.Â