Your overall health is important to us, and the university offers a variety of benefits to help support your physical and mental health. University of Louisville offers four health plans through Anthem Blue Cross Blue Shield. Anthem BCBS insurance plans offer substance abuse and mental health coverage benefits. The level of coverage is dependent on your specific insurance plan.8 Anthem blue cross alcohol treatment and drug rehab coverage varies by state, policy, member, and provider.
Many services are approved if they are medically necessary; therefore, alcohol, benzodiazepines, and opioid detox are often covered. Your Anthem insurance coverage for drug rehab treatment varies depending on your plan level and the type of service you receive. Plans typically cover outpatient services, including office visits for substance use issues.
A coinsurance cost would apply if you use an in-network provider. In most cases, you would not be covered if you select an out-of-network provider. A copay and coinsurance cost would apply for each admission. Like outpatient services, if it's out-of-network, it is not covered.
Yes, a benefit year deductible applies for most medical services accessed outside the student health center . Visit theMy Coverage pageto check your plan's annual deductible. This deductible does not apply to services with fees at an SHC, to emergency or urgent care clinic visits for students, or to pharmacy claims. For some UC SHIP campuses, the benefit year deductible does not apply to UC Family services. The University offers six PPO medical insurance plans, all of which provide coverage for pre-existing conditions, prescription drugs, mental health, and substance abuse with no lifetime maximum.
Choosing and personalizing your benefits depends on your specific health care needs, doctor preferences, budget, and the type of plan you prefer. Both plans cover services such as preventive care, doctors' office visits, hospitalization and prescription drugs. However, there are important differences between them—both in your choice of providers and what you pay when you get care (your out-of-pocket costs). Finally, you might see a dollar amount, such as $10 or $25.
This is usually the amount of your co-payment, or "co-pay." A co-pay is a set amount you pay for a certain type of care or medicine. Some health insurance plans do not have co-pays, but many do. If you see several dollar amounts, they might be for different types of care, such as office visits, specialty care, urgent care, and emergency room care. If you see 2 different amounts, you might have different co-pays for doctors in your insurance company's network and outside the network. However, not all small, independent pharmacies have the correct computer system to validate your transaction, in which case you'll need to pay for the prescription using another form of payment. We want you to know that right now, as much as ever, your health and wellness concerns remain our top priority.
We know you're doing all you can to ensure you and your family are safe during this time. And we want you to know we're doing everything we can so you can access the care you need. We know that many patients are apprehensive about coming to the doctor's office or the hospital due to COVID-19 concerns. However, for some, the risk of delaying or neglecting ongoing medical care can be just as serious as COVID. You don't have to delay care for your annual check-up, chronic care management or other health care concerns. Whatever you need, we're here for you with services like 24/7 urgent care, Virtual Visits and Save My Spot for urgent care and walk-in clinics.
Our physicians are accepting new patients and many have same day or next day appointments available. Anthem Blue Cross HMO. You choose a primary care physician —from a UC Medical Center or the Anthem Blue Cross HMO network—who coordinates all your care, including behavioral health. Except for emergencies, only care received from UCMC or Anthem HMO doctors and at HMO facilities is covered at the in-network level.There's no deductible. For most services, you pay a small copayment and the plan pays the rest. On the 2017 Medical and Dental Contribution Chartthe HDHP monthly premium cost is quite low.
If you typically choose your health plan by monthly premium alone, be sure you understand the trade-off for a low monthly premium before you enroll in a high deductible plan. With the HDHP the annual deductible is higher than all the other medical plan options. You have to satisfy the deductible with money out of your own pocket before the HDHP begins to share the cost of covered health care services.
When you've confirmed your health care coverage plan is open access, this means you can choose to see the doctors and visit the health systems you prefer within your network, including specialists. For most patients with Anthem insurance plans, CoxHealth providers are now considered in-network. You pay 20% of the cost for all specialist office visits after you meet the annual deductible.
Your specialist may charge you up to the full amount of your deductible at the time of service, and you may need to file a claim to get reimbursed. You can visit any provider or specialist of your choice without preauthorization from your primary care doctor. UC SHIP provides 100% coverage of allowed charges for emergency room services after a copayment, and 100% coverage of urgent care center allowed charges after a specified copayment.
If Anthem determines that the reason for the visit was not an emergency, the coverage of the charges will be reduced. The annual deductible does not apply to emergency room or urgent care center visits. If you are admitted to the hospital, UC SHIP will cover a percentage of inpatient charges, and the emergency room copayment will be waived. Visit theMy Coverage page to view the benefit levels, copayments and coinsurance for your campus.
All follow-up care must be authorized in advance by the SHC. If you visit an SHC at another campus, you may need to pay out of pocket and be reimbursed for any services you receive. Please check with the SHC you plan to visit for more information about fees and filing claims to UC SHIP. If you need a service not offered at the SHC, your clinician will refer you to an off-campus health care provider. The SHC will provide you with a referral to see the off-campus provider.
This is not a guarantee of payment, and your deductible, copay and coinsurance will apply. Your SHC clinician may suggest a specific provider, or you can choose a provider. However, we strongly recommend that UC SHIP members see providers who belong to the Anthem Blue Cross Prudent Buyer PPO network, including UC Family providers. Doing so ensures UC SHIP members will pay the lowest out-of-pocket costs. In 2004, WellPoint Health Networks Inc and Anthem, Inc. merged and became the nation's leading health benefits company. In December 2014 WellPoint Inc. changed its corporate name to Anthem, Inc.
Anthem has about 40 million members and is ranked 33rd on the Fortune 500. The "coverage amount" tells you how much of your treatment costs the insurance company will pay. This information might be on the front of your insurance card. It is usually listed by percent, such as 10 percent, 25 percent, or 50 percent.
For example, if you see 4 different percent amounts, they could be for office visits, specialty care, urgent care, and emergency room care. It's best not to put off seeking help for a substance use disorder. Finding the proper treatment is simple with an Anthem insurance plan, and you can begin your journey to recovery using Anthem's addiction rehab treatment coverage. Reach out for assistance by checking your Anthem health insurance mental health and substance abuse coverage. You have options with Anthem health insurance, and your well-being is worth it.
Each UC SHIP campus has its own out-of-pocket limits , depending on where you access care. Visit the My Coverage page to review your campus's benefits. Medical and pharmacy copayments, as well as coinsurance and the deductible, apply toward the out-of-pocket maximum. You will pay a lower out-of-pocket maximum if you receive care from the SHC and network providers.
You will pay a higher out-of-pocket maximum if you visit out-of-network providers. If you do not see your coverage amounts and co-pays on your health insurance card, call your insurance company . Ask what your coverage amounts and co-pays are, and find out if you have different amounts and co-pays for different doctors and other health care providers. Because of its large network of providers, giving you many choices for where you get medical services.
Anthem has a variety of health insurance plans available including options for individuals, families, Medicare, Medicaid and group insurance. American Addiction Centers is in-network with many insurance companies, including Anthem at some of our facilities. Depending on the type of coverage you have and which state you live in, your addiction treatment could be covered. Silver, Bronze and Catastrophic health insurance plans available, including HSA high deductible health plans. Also, now Anthem is offering their Blue Card for individual and family plans again. The Blue Card offers some health care services to Blue Cross members while traveling out-of-state.
This may give a bit of a competitive edge to Anthem Blue Cross over Blue Shield. However, the main competitive edge of these California health plans, which differs by region, remains the size of the medical provider networks. You need your ID card anytime you visit the student health center on campus or go to a doctor's office, urgent care clinic, hospital, pharmacy, etc. If possible, try to see the same doctor or nurse practitioner for each visit.
Knowing your clinician makes visits more comfortable and helps ensure the best outcome each time. Each campus has an SHC, a complete outpatient health center for students, providing medical and preventive care, and mental health and substance use disorder services. These facilities may be known by different names on each campus . SHC clinicians serve as your family doctor while you're at school. All registered students can use the SHC, regardless of what type of major medical insurance they have.
If you're enrolled in family coverage, you must meet the family out-of-pocket maximum before Anthem will pay 100% of expenses. Beginning in 2013, Anthem Blue Cross became the behavioral health provider for Anthem HMO and PPO plans. If you are enrolled in one of these Anthem plans, you do not need a referral from your primary care physician in order to receive mental health services. Visit Anthem's website at /ca for a list of behavioral health providers.
Even Medicare health plans with a national presence can vary locally in their cost, quality, and customer satisfaction. We included the National Association of Insurance Commissioners' complaint index and AM Best's financial stability ratings. We also considered information from the companies on their programs and strategies. Anthem's PPO plans, called Anthem MediBlue PPO, offer more flexibility in accessing providers than the HMO plans.
Though PPO members still choose a PCP, you don't need to go through your PCP to get a referral to a different doctor or specialist. Members can see doctors outside the Anthem network on the PPO plan, though you may pay more. For 2021, Anthem offers 1,214 local PPO plans with prescription drug coverage and 233 without.
Anthem is a well-established provider of healthcare coverage that offers benefits not only in specific states, but access to a nationwide network of BCBS providers. They offer various plans and levels of coverage through employers, Medicaid, Medicare, and for current or retired federal employees. Checking your benefits can be done easily by contacting the company by telephone or through the member login website.
While Anthem does offer coverage for addiction treatment, it's best to confirm what your benefits will cover so that you can focus on your recovery. There are also 12-step programs, such as Alcoholics Anonymous and Narcotics Anonymous , which anyone can attend. Health coverage through Anthem offers access to an extensive network of providers for all your medical, prescription drug and mental health care needs. PPO members have the option to see out-of-network providers. The health care network specified by your Anthem insurance policy will determine whether you have access to in-network providers in other states.
When submitting an out-of-state claim, you must contact Anthem's customer service department because the process may be different. This plan combines traditional medical coverage with a Health Savings Account . Under this plan, all covered services (except preventive services/prescriptions) are subject to the deductible, which must be met before the plan will begin paying its share of the cost of healthcare expenses. However, you can pay for that deductible using the tax-free funds in your HSA.
Once the deductible has been met, most in-network services are covered with a 20% coinsurance. The PPO offers a large network of contracting doctors and hospitals to choose from when care is needed. When a contracting network provider is used, the care is considered "in-network," out-of-pocket costs will be less, and the highest level of benefits is received.
If a doctor outside the network is used, the care is considered "out-of-network" and coverage is still provided, but the out-of-pocket costs will be significantly higher. In addition, PPO members have access to care anywhere they live, work, or travel, across the country and around the world. Medicare Advantage, in particular, has been a target for Anthem and health insurer rivals as more seniors flock to such coverage. Anthem insurance will typically pay for individual therapy costs for substance use disorders and other mental health conditions.
This account is for eligible health care expenses—medical, dental, vision, mental health and substance abuse expenses the IRS considers eligible for reimbursement. If you use an in-network provider, you don't need to file a claim — your doctor will file one with Anthem. Anthem will then pay your doctor amounts it covers under the Health Account Plan and send you an Explanation of Benefits . Access to the on-campus SHC for most health care needs, such as primary care doctor's office visits, checkups, and vaccinations. UC SHIP offers a range of benefits, including coverage for specialty office visits, prescriptions, diagnostic services, surgery, hospitalization and out-of-area care while traveling, to name a few. The UC SHIP package also includes strong dental and vision benefits and covers most SHC fees.
