Alcohol & Drug Rehab Insurance Providers
What Insurance Providers Cover Rehab?
Navigating the complexities of insurance coverage for rehabilitation services can be daunting. However, many insurance providers recognize the importance of accessible treatment for substance use disorders and mental health conditions, offering coverage to varying extents. Major insurance companies such as Aetna, Blue Cross Blue Shield, Cigna, Humana, and UnitedHealthcare typically cover rehabilitation services. The extent of coverage can vary based on your specific plan and whether the rehab facility is within your provider’s network.
Royal Life Centers is in-network with major insurance providers
We also accept out-of-network benefits from many more!
Am I Covered for Rehab?
It’s crucial to understand the specifics of what your policy covers regarding detoxification, inpatient treatment, outpatient services, therapy sessions, and medication-assisted treatment (MAT). Insurance policies differ greatly in terms of deductible amounts, copayments, or coinsurance fees for alcohol and drug rehab services.
If you are uncertain of your insurance plan coverage and benefits for addiction treatment, please fill out an online insurance verification form or call Royal Life Centers admissions team at (877)-RECOVERY.
Find Your Insurance Provider
Below are some major insurance providers that many of our guests seek coverage with. Please note this is not a comprehensive list of every single insurance provider. Additionally, some providers only offer coverage if the member has a PPO policy or receives prior authorization.
Aetna Insurance
Aetna provides coverage for rehab at several different levels of care, including detox, partial hospitalization programs, residential inpatient facilities, intensive outpatient treatment centers, and aftercare services. Within its extensive network of providers across the United States, Aetna health insurance plans can provide a full range of treatment options for their subscribers.
Arizona Health Care Cost Containment System (AHCCCS)
The Arizona Health Care Cost Containment System (AHCCCS) is Arizona’s Medicaid agency. As an insurance provider, AHCCCS covers a wide range of services, including doctor visits, hospital stays, prescription drugs, and behavioral health services including substance abuse treatment. This includes services such as counseling, therapy, and medications.
Allegiance Benefit Plan Management
Allegiance Benefit Plan Management (ABPM) provides varying degrees of coverage for different levels of care during addiction treatment. The Allegiance Employee Benefit Plan details its coverage and cost of inpatient and outpatient substance abuse services, recommending pre-certification for all inpatient admissions. Alternatively, the Allegiance MED/Preventive Care Plans provide limited coverage and include access to the Cigna PPO Network. It is important to verify that a potential treatment provider accepts this plan because it only covers in-network benefits and does not cover hospitalization.
AmeriBen/IEC Group Insurance Coverage
AmeriBen/IEC Group policies generally offer coverage for substance abuse treatment. How much coverage you’re entitled to depends entirely on your plan. While you will likely have benefits for treatment, the deductible, out-of-pocket cost, and co-pay fees can vary from person to person depending on your specific insurance policy.
BlueCross BlueShield
Royal Life Centers is an in-network provider for BlueCross BlueShield.
BlueCross BlueShield is a nationwide company and one of the largest providers of health insurance, accepted by a high percentage of substance abuse, mental health, and addiction treatment facilities. Additionally, BCBS offers comprehensive coverage for the treatment of substance use disorder and addiction in states like Arizona.
Carelon Behavioral Health
Carelon Behavioral Health, formerly known as Beacon Health Options, provides coverage for substance use disorder (SUD) services. While Carelon insurance focuses on behavioral and mental health care, many variables can still affect what treatment services are covered. The exact level of coverage depends on the personal plan that you signed up for. With both inpatient and outpatient rehab services, your coverage and benefits will depend on your plan.
Carpenters Southwest Administrative Corporation
The Carpenters Southwest Administrative Corporation (CSAC), formerly known as Carpenters Trust of Western Washington and Northwest Carpenters Trusts, offers coverage and benefits for inpatient and outpatient treatment for alcoholism and drug addiction. According to their plan description, the CSAC does require precertification prior to providing coverage for inpatient rehab services.
Cigna Drug Rehab Insurance Coverage
Royal Life Centers is an in-network provider for Cigna.
Cigna provides coverage for inpatient treatment depending on medical necessity. That is to say, less restrictive forms of treatment will not suffice, and inpatient treatment is the most appropriate medical intervention. The quickest and easiest way to determine your benefits for rehab is to call our admissions team. We can verify your insurance coverage and provide insight into the best treatment options. You can also contact Cigna directly with the number on the back of your insurance card.
Coastal Administrative Services Inc
Coastal Administrative Services (CAS) will likely cover a medical detox due to medical necessity. Coverage for lower levels of care, however, will typically vary from person to person depending on your insurance plan. As a third-party administrator of insurance policies, CAS offers a wide range of networks offering different variations of each plan. For this reason, it’s important to verify your benefits if you’re looking to use your insurance as a form of copayment.
ComPsych
Royal Life Centers is an in-network provider for ComPsych.
ComPsych offers comprehensive coverage for substance abuse and mental health treatment. Through their Behavioral Health Programs, which include Employee Assistance Programs (EAP) and Managed Care Solutions, ComPsych provides coverage for employees within the healthcare, manufacturing, retail, technology, finance, government, and education sectors. In doing so, their clients gain access to quality care for challenges related to addiction, depression, anxiety, and other mental health disorders.
Evernorth
Royal Life Centers is an in-network provider for Evernorth Behavioral Health.
Evernorth Behavioral Health, a subsidiary of The Cigna Group and the behavioral network for customers with Cigna HealthcareSM plans, provides behavioral health solutions to clients with and without Cigna Healthcare plans. According to their provider guide, Evernorth manages mental health and substance use disorder services of benefit plans in compliance with applicable laws, rules, and regulations. This includes the Federal Mental Health Parity and Addictions Equity Act, Affordable Care Act, state parity laws, and regulations.
First Choice Health Network
Royal Life Centers is an in-network provider for First Choice Health Network.
First Choice Health Network (FCH) typically provides coverage for a portion of the cost of substance abuse treatment for their members. FCH covers individuals in Washington state, as well as other locations in the northwest region, through AW Rehn & Associates Inc. Certain First Choice Health plans will offer more coverage than others, but that will depend on your specific level of coverage.
Healthcare Management Administrators
Healthcare Management Administrators (HMA) is the largest healthcare provider network in the Pacific Northwest. HMA provides insurance coverage for medical expenses and services to individuals and families. This includes coverage for doctor’s visits, hospital stays, prescription medications, and other necessary treatments. Coverage for services, such as addiction treatment, varies depending on the specific insurance plan.
Kaiser Permanente
Kaiser Permanente offers comprehensive health insurance coverage for individuals and families, helping them manage medical expenses. Their plans cover essential services like doctor’s visits, hospital stays, prescription medications, and more. According to Kaiser’s website, they offer coverage for a full range of evidence-based treatment options for adults and teens including medical detox, inpatient and outpatient services, counseling, medication, and self-care apps.
Providence Health Plan
Providence Health Plan is a not-for-profit health insurance company that serves over half a million members in Oregon and southwest Washington. They offer a variety of plans that include comprehensive coverage for preventive care, prescription drugs, emergency services, hospital stays, and behavioral health services. Providence Health also offers coverage for telehealth and virtual care as well as “LifeBalance” which gives clients and their families discounts on activities that help to reduce stress and increase well-being such as massage therapy, meditation, and yoga services.
Shasta Health Insurance Services
Shasta Health Insurance Services is a leading provider of health insurance plans in the state of California. They offer a wide range of coverage options for individuals, families, and small businesses. Their insurance plans include comprehensive medical coverage, prescription drug benefits, dental and vision care, and behavioral health services. Shasta plans all cover the essential benefits required under the Affordable Care Act including, but not limited to, mental health and substance use disorder treatment.
TRICARE
Royal Life Centers is an in-network provider of TRICARE health insurance.
TRICARE is an insurance option for veterans and their families that covers medical detox as well as other levels of care for substance abuse treatment. Tricare is a regionally managed healthcare program run by the Department of Defense. There are different plans under Tricare, so it’s important to check your specific coverage and work with the VA to receive prior authorization if necessary before entering treatment.
TRICARE West Region
Royal Life Centers is an in-network provider for the TRICARE West Region.
The TRICARE West Region, offered through TriWest, provides benefits for addiction rehabilitation to active duty service members, retirees, and their families. As a part of TriWest’s network of insurance providers for the Department of Defense, it offers coverage across 26 states in the western region of the United States including, but not limited to, Arizona and Washington state. To check your specific plan and coverage for treatment, it’s important to reach out to the VA or TriWest directly.
TriWest Healthcare Alliance
Royal Life Centers is an in-network provider for TriWest Healthcare Alliance.
TriWest Healthcare Alliance is a third-party administrator contracted with several regional insurance providers such as TRICARE and the VA Community Care Network (CCN) to provide coverage for substance abuse treatment. TriWest works with the U.S. Department of Veteran Affairs, offering healthcare services to veterans, their families, and certain members of the National Guard and Reserves. When offered as a part of the VA CCN, all care must be authorized before the start of treatment. For this reason, it’s important to work with the VA to receive prior authorization when using TriWest insurance.
United Healthcare
Royal Life Centers is an in-network provider for United Healthcare.
United Healthcare (UHC), one of the largest healthcare insurance providers in the country, offers coverage for drug and alcohol treatment. This includes a variety of treatment options. According to their website, UHC works with a wide network of substance abuse treatment providers, making it easier to find a facility that meets your needs.
Washington Apple Health
Royal Life Centers is an in-network provider for Washington Apple Health.
Washington Apple Health is a program offered by the Washington State Health Care Authority that provides affordable health insurance to low-income individuals and families. The WA Health Care Authority (HCA) provides funding and oversight for substance use treatment services for people enrolled in Apple Health (Medicaid).
Wellpoint
Wellpoint, formerly known as Amerigroup Washington, offers many additional Apple Health (Medicaid) benefits to help members live well and stay healthy. Some additional benefits include LiveHealth Online for telehealth, acupuncture treatments, industry certification assistance, fitness coach programs, and the EX Program by Truth Initiative which helps members quit smoking.
Don’t See Your Insurance?
Don’t see your insurance listed above? Don’t worry, we accept most insurance plans. To see how much your insurance provider will cover, start by verifying your insurance to see what your plan covers. We’ll handle the insurance verification process and work directly with your insurance provider, so you can focus on your recovery—not the paperwork.
Don’t Have Insurance?
No insurance? No problem. We’re committed to helping anyone in need of addiction treatment by offering other payment options such as affordable payment plans and financial assistance.
Get Help For Substance Abuse
At Royal Life Centers, we believe cost should never stop anyone from receiving life-saving addiction treatment. That’s why we work with you to create a recovery plan that fits your budget. Whether you have insurance or not, we offer flexible payment options to ensure treatment is accessible to anyone seeking help. Our admissions coordinators, financial advisors, and insurance specialists will guide you every step of the way.
To learn more about how we can help you or your loved one begin the journey to recovery, just give us a call at 877-732-6837 or fill out our secure online contact form. Our team will be happy to assist you with your coverage options and any other questions you may have. Because We Care.
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