Addiction Rehab That Accepts Insurance

Insurance Coverage for Rehab

Addiction treatment requires a real investment, but it’s one that saves lives. Without insurance, the cost of medical detox, residential treatment, therapy sessions, and aftercare can add up quickly. For many people, these expenses would be impossible to manage out of pocket, which means insurance coverage makes recovery accessible.

Thanks to the Affordable Care Act, most health insurance plans are required to cover mental health and substance use disorder treatment at the same level as medical and surgical care. This means that if you have health insurance, you likely have some level of coverage for rehab services. The question isn’t if your insurance will help, but how much it will cover and what you’ll need to pay.

At Sunshine Behavioral Health, many of our clients receive treatment for little to no out-of-pocket cost because their insurance plans cover the majority of their care. Even if you’re unsure about your benefits or think your plan might not cover enough, it’s worth verifying. Our team has helped thousands of people discover that they had better coverage than they realized.

Insurance Providers We Accept

Sunshine Behavioral Health accepts coverage from several major insurance providers. If you have a plan through any of these companies, we can verify your benefits and help you get started with treatment:

• Cigna: One of the largest health insurance providers in the country, Cigna plans typically include coverage for both inpatient and outpatient addiction treatment services.
• Aetna: Aetna members can access a wide range of behavioral health benefits, including detox, residential rehab, and aftercare services.
• Anthem: Anthem’s network includes coverage for substance abuse treatment across multiple states, making it easier to get care at one of our locations.
• UMR: As a third-party administrator, UMR manages benefits for many employer-sponsored health plans and regularly covers addiction treatment.
• Medica: Primarily serving the upper Midwest, Medica plans include behavioral health benefits that can apply to rehab services.
• Carelon: Carelon (formerly Beacon Health Options) manages behavioral health benefits for millions of Americans and works with treatment centers like ours to provide care.
• First Health: First Health operates a national PPO network that many employer-sponsored plans use, often providing access to inpatient and outpatient substance abuse treatment services.
• GEHA: GEHA plans offer behavioral health coverage for federal employees, including benefits that may apply to detox, residential treatment, and ongoing recovery support.
• Sanford Health: Serving the Upper Midwest, Sanford Health insurance plans commonly include mental health and substance abuse treatment benefits within their provider network.
• Quartz: Quartz is a regional health insurer offering behavioral health coverage that can extend to addiction treatment services, depending on the specific plan and location.
• Meritain: Meritain administers health benefits for employers and typically includes substance abuse treatment in its coverage.

Each insurance plan is different, so the level of coverage you receive will depend on your policy’s terms, deductibles, and out-of-network provisions. That’s why verification is so important, but our friendly staff is here to make everything as easy and stress-free as possible.

Let Your Insurance Get Your Life Back on Track

Getting help for your addiction can be a life-saving decision. It may seem impossible at first, but every journey begins with a single step. The good news is that once you’ve decided to reach out for help, you’re not alone. Our staff is there every step of the way to support you—including when it comes to coverage.

In a matter of minutes, we can verify what your plan covers and work with your insurance provider to get you the best help possible. Regardless of where you think you may sit regarding medical coverage, it’s worth reaching out and talking with our staff. Everyone deserves a chance to get their life back on track.

Affordable Care Act

In many cases, due to the Affordable Care Act, treatment for substance use disorders and behavioral health services is covered. Many of our clients receive treatment for little to no out-of-pocket cost.

Private Pay

If your insurance is insufficient to pay for your treatment, don’t worry: we offer flexible treatment options. All the information you need to understand your financial obligations will be provided before starting treatment.