At Refine Recovery, we believe that financial barriers should never prevent someone from accessing life-changing addiction treatment. Our luxury rehab facility in Beverly Hills accepts most major insurance plans, making our evidence-based programs accessible to those who need them most.
Yes, insurance typically covers addiction treatment services.
Under the Affordable Care Act (ACA), health insurance plans are required to include coverage for essential health benefits, which encompass substance abuse treatment. This means that insurance plans purchased through the Health Insurance Marketplace must provide coverage for behavioral health treatment, including rehab services.
The Mental Health Parity and Addiction Equity Act further ensures that mental health and substance use disorder benefits are covered at the same level as medical and surgical benefits. This federal legislation requires insurance companies to provide equal coverage for addiction treatment compared to other medical conditions.
Insurance plans typically cover a comprehensive range of addiction treatment services across multiple levels of care. Most plans provide coverage for detoxification services with medically supervised withdrawal management, residential treatment offering 24/7 inpatient care in a structured environment, and various outpatient options including Partial Hospitalization Programs (PHP) for intensive daytime treatment and Intensive Outpatient Programs (IOP) for structured therapy while maintaining work or school schedules.
Treatment modalities commonly covered include individual psychotherapy sessions, group therapy programs, family therapy and counseling, evidence-based approaches like Cognitive Behavioral Therapy (CBT) and Dialectical Behavior Therapy (DBT), trauma-informed care approaches, and Medication-Assisted Treatment (MAT) combining FDA-approved medications with counseling. Many plans also cover dual diagnosis treatment for co-occurring mental health conditions, recognizing the interconnected nature of addiction and mental health disorders.
Navigating insurance benefits can feel overwhelming, but understanding key terms helps you make informed decisions about your treatment. Your deductible is the amount you pay out-of-pocket before your insurance coverage begins, with higher deductible plans typically offering lower monthly premiums. Copayments are fixed amounts you pay for each treatment session or service, usually ranging from $20-$50 for therapy sessions, while coinsurance represents the percentage of treatment costs you’re responsible for after meeting your deductible, typically 10-30% of the total cost.
Your plan’s out-of-pocket maximum is particularly important—this represents the maximum amount you’ll pay during your plan year, after which insurance covers 100% of covered services. Understanding these terms helps you budget for treatment and maximize your benefits throughout your recovery journey.
Choosing providers like Refine Recovery that work with your insurance can significantly reduce your out-of-pocket costs. When we work with your insurance company, this often results in lower copayments and coinsurance rates, reduced deductible requirements, streamlined claims processing, and reduced balance billing for covered services.
Out-of-network treatment typically involves higher costs, including higher deductibles and coinsurance percentages, potential balance billing, more complex reimbursement processes, and annual out-of-network limits that may leave you responsible for significant portions of treatment costs.
Refine Recovery works with most major insurance providers to help make our treatment programs accessible to those who need them. We work directly with these leading insurance companies to provide seamless coverage verification and authorization processes.
Anthem Insurance offers comprehensive behavioral health benefits with extensive provider networks across California. Their plans typically provide robust coverage for all levels of addiction treatment, from detox through ongoing outpatient care.
Aetna Insurance provides strong mental health and substance abuse benefits with flexible treatment options. Their plans often feature lower copayments for in-network providers and comprehensive coverage for evidence-based treatment approaches.
Cigna Insurance emphasizes integrated behavioral health care with extensive coverage for addiction treatment services. Their plans typically include comprehensive benefits for both residential and outpatient treatment programs.
Blue Cross Blue Shield operates through independent plans across different regions, generally offering comprehensive addiction treatment benefits. Their extensive provider networks ensure access to quality care throughout California.
Carelon Behavioral Health specializes in behavioral health management, offering comprehensive addiction treatment benefits with focus on evidence-based care and coordinated treatment planning.
GEHA Insurance provides comprehensive health benefits with strong behavioral health coverage, including extensive addiction treatment services and support for long-term recovery planning.
Horizon Blue Cross Blue Shield offers comprehensive behavioral health benefits with emphasis on integrated care and evidence-based treatment approaches for substance use disorders.
Excellus Blue Cross Blue Shield provides robust addiction treatment coverage with extensive provider networks and comprehensive benefits for all levels of care from detox through aftercare.
Highmark Blue Cross Blue Shield offers comprehensive behavioral health benefits with strong coverage for addiction treatment services and emphasis on coordinated, integrated care approaches.
MultiPlan Insurance operates as a network access facilitator, connecting members with extensive provider networks and comprehensive addiction treatment benefits through various health plan partnerships.
Beacon Health Options specializes in behavioral health management, providing comprehensive addiction treatment benefits with focus on evidence-based care and outcome-driven treatment approaches.
EmblemHealth Insurance offers comprehensive behavioral health benefits with strong addiction treatment coverage and emphasis on integrated care coordination and member support services.
Trustmark Insurance provides comprehensive health benefits with robust behavioral health coverage, including extensive addiction treatment services and support for long-term recovery planning.
AmeriHealth Insurance offers comprehensive behavioral health benefits with strong coverage for addiction treatment services and emphasis on evidence-based care and member wellness programs.
Understanding your specific benefits is crucial for planning your treatment journey. Start by reviewing your insurance card to locate your member ID, group number, and customer service phone number. Note whether you have a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) plan, as this affects your coverage options and referral requirements.
When contacting your insurance provider, ask specifically about addiction treatment benefits and coverage levels, in-network vs. out-of-network benefits, required authorizations or referrals, annual limits on treatment sessions, and copayment and coinsurance amounts. This information helps you understand your financial responsibility and plan accordingly for treatment.
Our experienced admissions team provides complimentary insurance verification services, working directly with your insurance provider to verify benefits and coverage levels, explain your financial responsibility, help navigate any authorization requirements, and provide transparent cost estimates. This personalized service ensures you have complete information before beginning treatment.
Several factors influence your insurance coverage for addiction treatment. Pre-authorization requirements vary by plan, with some requiring approval for certain levels of care, particularly residential treatment. Our admissions team handles this process on your behalf, working directly with your insurance provider to secure necessary approvals and ensure seamless treatment entry.
Insurance companies evaluate treatment coverage based on medical necessity criteria, including severity of substance use disorder, previous treatment attempts and outcomes, co-occurring mental health conditions, risk factors and safety considerations, and treatment goals and expected outcomes. Understanding these criteria helps ensure appropriate level of care authorization.
Length of stay limitations may apply, as some plans have restrictions on number of covered treatment days, frequency of therapy sessions, duration of different levels of care, or annual and lifetime benefit maximums. Our team works with your insurance provider to maximize covered benefits and ensure continuous care throughout your recovery journey.
Choosing providers like Refine Recovery that work with your insurance ensures you receive maximum coverage and minimum out-of-pocket expenses. Understanding your plan’s specific requirements helps avoid unexpected costs and coverage denials. Some plans require primary care physician referrals, specific authorization processes, use of designated assessment tools, or participation in utilization review.
Maintaining detailed records of all insurance communications, pre-authorization approvals, treatment plans and progress notes, and claims and payment records helps ensure smooth claims processing and protects your interests throughout treatment. Our administrative team assists with documentation and communication to support your insurance claims.
If you have remaining costs after insurance coverage, Refine Recovery offers flexible payment plans, sliding fee scales based on financial need, financing options through third-party providers, and scholarship and grant programs when available. We believe financial concerns should never prevent access to life-changing treatment.
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used to pay for qualified addiction treatment expenses, including deductibles and copayments, coinsurance amounts, prescription medications, and transportation to treatment. These tax-advantaged accounts help maximize your healthcare dollars.
While insurance coverage is important, the quality of care should be the primary consideration when choosing a treatment facility. Refine Recovery offers evidence-based treatment approaches including Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), trauma-informed care, medication-assisted treatment, and holistic wellness programs.
Our luxury amenities support recovery with private rooms featuring en-suite bathrooms, gourmet meals prepared by on-site chefs, state-of-the-art fitness center, outdoor pools and recreational areas, and comprehensive wellness programs. These amenities create an environment conducive to healing and long-term recovery success.
Comprehensive support services include 24/7 medical supervision, licensed clinical staff, case management services, family therapy programs, and aftercare planning and support. This integrated approach addresses all aspects of recovery, from initial detox through long-term sobriety maintenance.
Ready to begin your recovery journey? Our compassionate admissions team is here to help navigate the insurance process and get you the care you need. Contact Refine Recovery at 1-866-890-9573, complete our Insurance Verification form, or learn more about Our Programs.
When you contact Refine Recovery, our admissions specialists will conduct a confidential assessment, verify your insurance benefits, explain your coverage options, answer questions about our programs, schedule your admission if appropriate, and provide transportation assistance if needed. This comprehensive intake process ensures you have all necessary information to make informed decisions about your treatment.
Don’t let insurance concerns prevent you from getting the help you deserve. At Refine Recovery, we’re committed to making our luxury addiction treatment programs accessible through comprehensive insurance coverage and flexible payment options. Your recovery is our priority—contact us today to verify your insurance coverage and begin your journey toward lasting sobriety in our supportive, luxury environment in Beverly Hills.
Refine Recovery is a licensed addiction treatment facility accepting most major insurance plans. Our team provides complimentary insurance verification and will work with you to understand your benefits and coverage options. Contact us today to learn more about how your insurance can help cover the cost of treatment.
Take the first step towards lasting sobriety.
Every moment matters when it comes to your recovery. One Decision Can Change Your Life – Make This One Count.
