Insurance & Coverage Navigator

Most health insurance plans are required to cover substance abuse treatment under the Mental Health Parity and Addiction Equity Act (MHPAEA). This federal law mandates that insurance companies provide coverage for mental health and substance use disorders at levels comparable to medical and surgical benefits. Coverage specifics vary by plan, so we recommend calling (855) 461-7830 for a free verification.

The fastest way to verify your coverage is to call our helpline at (855) 461-7830. Our trained navigators can check your benefits within minutes and explain your coverage options including deductibles, copays, in-network facilities, and any pre-authorization requirements. This service is completely free and confidential with no obligation to enroll in any program.

If you lack insurance coverage, several options are still available. Many treatment facilities offer sliding-scale fees based on income, payment plans, or scholarships. State-funded treatment programs serve uninsured individuals through block grants from SAMHSA. Medicaid may also be an option depending on your state and income level. Our navigators can help you explore all available financial assistance options.

Most insurance plans cover a range of treatment levels including medical detoxification, inpatient and residential treatment, intensive outpatient programs (IOP), partial hospitalization programs (PHP), outpatient counseling, and medication-assisted treatment (MAT). The specific level of coverage and duration approved depends on your individual plan, clinical necessity, and the treatment facility's network status.