Anthem BCBS Mental Health Coverage

The specifics of your mental health coverage from Anthem BCBS come down to your plan type and tier. Overall, though, you can expect your insurance to at least partially cover mental healthcare (so long as you can prove it’s necessary). Not all plans will cover all services, unfortunately, but most can help you manage the costs of things like:

• Outpatient Services: Treatment options like individual therapy, group therapy, psychiatric evaluations and appointments, and others fall into this category. You’ll likely still be expected to pay a copayment or coinsurance for these services.
• Medications: Prescription medications and the services you need to attain them, such as appointment switch prescribing providers, are likely covered by your plan.

As mentioned, the costs you might pay and the extent of your coverage come down to not just your plan type but also your plan’s tier. More “premium” tiers cover a larger percentage of your services but also require you to pay more upfront. Anthem BCBS plan tiers are as follows:

Gold – These plans come with the lowest deductibles but the highest monthly payments. Insurance pays for around 80% of covered services. 

Silver – A moderate deductible and average monthly payments define these plans. You can expect Anthem BCBS to pay for around 70% of your treatment services.

Bronze – These plans feature slightly lower monthly payments and low out-of-pocket costs but may have a higher deductible. If you hold a bronze plan, you can expect Anthem BCBS to pay for around 60% of covered expenses.

Be sure to contact Anthem BCBS directly with questions or concerns about your plan. Familiarize yourself with any pre-authorization requirements or coverage stipulations so you can make informed decisions about your care moving forward.