Insurance

Connecting you to the help you need, when you need it is our top priority. That’s why The Recovery Village created an online health insurance verification system that estimates your in-network and out-of-network deductibles, coinsurance percentages and out-of-pocket maximums in real time. When you’re ready, take a moment to fill out the form below and receive your results in seconds — all free of charge. Once you’re finished, one of our intake coordinators will be in touch with you to discuss the next steps to your recovery.

The Recovery Village’s health insurance verification system estimates your in-network and out-of-network coverage in a matter of seconds. To help you better understand this complex information, we’ve provided some additional details about the different parts of your health care plan:

Deductible: This is the amount you pay for covered health care services in a given plan year before your insurance begins to pay for them. For example, if you have a $3,000 deductible, you pay for the first $3,000 of covered services yourself. Once you spend $3,000 on covered health care services, you only have to pay coinsurance and copayment costs — your health care plan will cover the rest.

Copayment: A copayment is the fixed amount you are required to pay for a covered health care service, like a doctor’s office visit or a trip to the emergency room. Copayments may take effect before or after your deductible is paid, depending on your health insurance plan. This information is not shown on our health insurance verification form.

Coinsurance: Your coinsurance fee is the percentage of the cost of a covered health care service that you must pay once your deductible is paid in full. For example, if you’ve paid your deductible, the allowed amount for a doctor’s visit on your plan is $100, and your coinsurance is 20 percent, you will pay 20 percent of $100, or $20.

Out-of-Pocket Maximum: This is the maximum amount of money you are required to pay for covered services in a given plan year. Once your out-of-pocket maximum amount is spent on deductibles, copayments and coinsurance fees, your health care plan pays 100 percent of any additional costs of covered health care services.

Policy Effective Date: This is the day your insurance company begins to help pay for your health care costs. Enrollment in a health insurance plan must be done either during the open enrollment period, usually held for a set amount of time once a year, or during a special enrollment period. Special enrollment periods begin after a qualifying event, like marriage, the start of a new job, the birth of a baby or the loss of health care coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.

When you’re in the grips of a substance use disorder, the last thing you want to think about is your health care coverage. You just want to get the help you need. That’s why The Recovery Village is simplifying the health insurance verification process with our online system. In as little as five seconds, we can pull your health care plan information from an extensive database of over 3,000 providers. After we receive your information, an intake coordinator will contact your insurance company to personally verify your individual coverage. They’ll reach out to you as soon as they’re done, and help you begin a treatment program. By streamlining the insurance verification process, we connect you to the care you need, as quickly as possible.

When it comes to getting help for addiction to popular drugs such as alcohol, heroin, meth, and oxycodone, paying for treatment shouldn’t be your first concern. But the reality is that drug treatment requires an investment of money as well as an expenditure of time and energy. Fortunately, many of the leading rehab centers accept health insurance. In order to have your costs reimbursed, however, you must verify that your insurer will pay for substance abuse treatment. You must also find out which recovery services your insurance company will authorize, and whether the program you choose will be covered. For example, some plans and providers cover drugs used in treatment such as methadone and suboxone. Make sure to check with your specific provider for details or give us a call. We are happy to check on your behalf to help make the process as easy as possible.

Every health care policy is different. While our system generates general policy information from your insurance provider, we need to verify your individual policy details before we can officially admit you into one of our centers. Fortunately, The Recovery Village accepts most major insurance providers. Expect a call from an intake coordinator for additional details about your policy benefits and how they apply to our facilities.

Insurance Options

The Recovery Village will work with most insurance providers with the exception of Medical Assistance and Medicare. We accept insurance for health care coverage from Aetna, UBH, United Healthcare, Cigna, GHI, Beacon Health Options (Formerly known as Value Options), BCBS, Individual Insurance plans, Humana, etc., with the approval from your provider.

We accept most major health plans to help you pay for your drug rehabilitation treatment. Please call for verification of benefits coverage or check with your health insurance carrier for final determination regarding specific covered services. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement.

If you do not have an insurance provider, there are financing options available.

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