Anthem Blue Cross Blue Shield of Colorado Mental Health Coverage Guide
Anthem Blue Cross Blue Shield of Colorado, an Elevance Health subsidiary, is the BCBS licensee for Colorado, serving approximately 1.7 million members. Colorado's strong parity laws enhance behavioral health protections.
BlueCard Network Access
As a Blue Cross Blue Shield member, you have access to the BlueCard program, which lets you see in-network providers across state lines. This is especially helpful if you travel frequently or live near a state border.
How to Verify Your Mental Health Benefits
Before your first appointment, verify your specific benefits so you know what to expect. Here is a step-by-step process for Anthem Blue Cross Blue Shield of Colorado members:
- Call 1-800-332-3313 and have your member ID card ready.
- Ask to speak with the behavioral health benefits department.
- Ask: "What is my deductible for outpatient mental health services, and how much have I met?"
- Ask: "What is my copay or coinsurance for an in-network therapy session?"
- Ask: "Do I have out-of-network benefits, and what is the reimbursement rate?"
- Ask: "Is prior authorization required for outpatient therapy?"
- Ask: "Is there a session limit per year?"
- Ask: "Are telehealth sessions covered at the same rate as in-person?"
Know Your Rights: Mental Health Parity Act
Federal law requires Anthem Blue Cross Blue Shield of Colorado to cover mental health services at the same level as medical and surgical benefits. If you are denied coverage, ask for the denial in writing and reference the Mental Health Parity and Addiction Equity Act.
Want to keep track of all these details? Use our free benefits verification worksheet to organize your coverage information.
Finding an In-Network Therapist
Search Anthem Blue Cross Blue Shield of Colorado's provider directory directly: Find a therapist in your area
Tips for Using the Anthem Blue Cross Blue Shield of Colorado Directory
- Filter by "Behavioral Health" or "Mental Health" specialty.
- Check that the provider is accepting new patients before calling.
- Confirm the provider is in-network for your specific plan (not just Anthem Blue Cross Blue Shield of Colorado generally).
- Look for providers who specialize in your specific concern (anxiety, depression, trauma, etc.).
Types of Providers Covered
Telehealth Coverage
Anthem Blue Cross Blue Shield of Colorado covers telehealth therapy sessions, so you can meet with a therapist from home via video or phone.
Couples & Family Therapy
Family therapy covered with a clinical diagnosis.
Understanding Your Anthem Blue Cross Blue Shield of Colorado Coverage
Available Plan Types
Behavioral Health Managed By
Carelon Behavioral Health
Some Anthem Blue Cross Blue Shield of Colorado plans outsource behavioral health management. You may need to call the behavioral health manager directly for authorizations and provider searches.
Prior Authorization
Not required for routine outpatient therapy.
Substance Use Treatment
Anthem Blue Cross Blue Shield of Colorado covers substance use disorder treatment, including outpatient counseling, intensive outpatient programs, and inpatient rehabilitation.
Common CPT Codes for Therapy
These are the billing codes your therapist will use when filing claims with Anthem Blue Cross Blue Shield of Colorado:
| CPT Code | Description |
|---|---|
| 90791 | Psychiatric diagnostic evaluation |
| 90834 | Individual therapy (45 minutes) |
| 90837 | Individual therapy (60 minutes) |
| 90847 | Family / couples therapy (with patient present) |
| 90846 | Family therapy (without patient present) |
| 90853 | Group therapy |
How to Get Reimbursed (Out-of-Network)
If you are seeing a therapist who is not in Anthem Blue Cross Blue Shield of Colorado's network, you may still be able to get reimbursed. Here is how:
- Pay your therapist directly at the time of your session.
- Request a superbill from your therapist after each session. This is a detailed receipt with the information Anthem Blue Cross Blue Shield of Colorado needs to process your claim.
- Submit your claim to Anthem Blue Cross Blue Shield of Colorado using one of these methods:
- Online: Submit through the member portal
- Mobile App: Submit via the Anthem Blue Cross Blue Shield of Colorado app
- Fax: 1-800-710-4412
- Mail: Anthem BCBS of Colorado, P.O. Box 17609, Denver, CO 80217
- Wait for processing. Most claims are processed within 30 days. You will receive an Explanation of Benefits (EOB) showing what was covered.
Anthem Blue Cross Blue Shield of Colorado Claims Note
Use the Sydney Health app for claims and benefits.
What Your Superbill Should Include
- Therapist's name, credentials, NPI number, and tax ID
- Date of service
- CPT code (e.g., 90834 or 90837)
- ICD-10 diagnosis code
- Amount charged
- Your name and date of birth
Anthem Blue Cross Blue Shield of Colorado tip: Submit through the Anthem member portal or Sydney Health app. Colorado has strong parity laws that support behavioral health coverage.
Save Money on Therapy with Anthem Blue Cross Blue Shield of Colorado
Use Your HSA or FSA
Therapy is an eligible expense for Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). You can use these pre-tax dollars to pay for copays, coinsurance, and out-of-network therapy costs, effectively saving 20-35% on your therapy expenses.
Ask About Sliding Scale Fees
Many therapists offer reduced rates based on your income. If you have a high deductible Anthem Blue Cross Blue Shield of Coloradoplan or high out-of-pocket costs, ask your therapist about sliding scale options. Some therapists will also offer "single-case agreements" with Anthem Blue Cross Blue Shield of Colorado at a negotiated rate.