Free & Confidential
Most private insurance plans cover addiction treatment.
We’ll verify your benefits in minutes — no obligation, no cost to you.
One of the most common reasons men delay or avoid getting help for addiction is uncertainty about cost. Whether you’re calling for yourself or someone you love, the question “does insurance cover rehab?” deserves a real answer — fast.
At Heartwood Recovery, we’ve built a dedicated admissions team that handles insurance verification every day. We work directly with your insurer to determine exactly what your plan covers before you commit to anything. Our goal is to remove the financial guesswork so the only thing you need to focus on is getting well.
Heartwood Recovery is an in-network provider with several major insurance carriers and regularly works with out-of-network plans as well. For most men with private insurance, the majority of treatment costs are covered.
Verifying your insurance coverage is a straightforward, no-pressure process. Here’s what to expect when you reach out to our admissions team.
Contact our admissions team by phone or complete the form below. All information is strictly confidential.
Our team calls your insurance company directly and conducts a full verification of benefits (VOB) on your behalf.
We walk you through exactly what’s covered: deductibles, co-pays, out-of-pocket maximums, and level of care.
With a clear picture of your financial responsibility, you can make a confident, informed decision about next steps.
We also work with out-of-network benefits when clients have coverage and can pay their out-of-pocket costs.
Having an out-of-network insurance plan doesn’t necessarily mean you’ll pay full price for treatment. Many PPO plans include out-of-network benefits that can significantly offset the cost of care. Our admissions team has extensive experience navigating OON benefits and will work to maximize what your plan will cover.
We will work with out-of-network clients when the plan includes benefits and the client can meet their out-of-pocket responsibility. We’re transparent about costs upfront — there are no surprises.
You have legal protections when it comes to addiction treatment coverage. Two landmark federal laws ensure that most private insurance plans must provide meaningful benefits for substance use disorder treatment.
Under the ACA, substance use disorder treatment is classified as one of ten essential health benefits. This means all ACA-compliant health plans sold on individual and small-group markets must cover addiction treatment services.
The Mental Health Parity and Addiction Equity Act requires insurers to cover mental health and substance use disorder treatment at the same level as medical and surgical benefits. Insurers cannot impose higher co-pays or stricter limits on behavioral health care.
These are the questions our admissions team hears most often. If you don’t see yours here, call us — we’re available around the clock.
Yes, in most cases. The Affordable Care Act requires that ACA-compliant plans cover substance use disorder treatment as an essential health benefit. The Mental Health Parity and Addiction Equity Act further mandates that coverage for addiction treatment be comparable to coverage for other medical conditions. The exact amount covered — deductibles, co-insurance, out-of-pocket maximums — varies by plan. That’s why a benefits verification call is so important before admission. Our admissions team will get you a clear answer.
The fastest way is to call our admissions team. Have your insurance card ready, and we’ll contact your insurer directly to conduct a full verification of benefits. We’ll tell you exactly what your plan covers, your estimated out-of-pocket responsibility, and what the authorization process looks like — all before you commit to anything. This service is free and doesn’t obligate you in any way.
Being in-network means Heartwood Recovery has a contracted reimbursement rate with your insurer. When you receive care from an in-network provider, your insurance company pays a higher share of the cost, and your deductible and out-of-pocket maximums apply at the lower in-network rate. This typically results in significantly lower costs for you compared to using an out-of-network facility. Heartwood is currently in-network with Magellan, Blue Cross Blue Shield, Aetna, Cigna, Multiplan, Ambetter, Moda Health, and Curative.
If your insurance plan is out-of-network, you may still have coverage. Many PPO plans include out-of-network benefits that cover a portion of treatment costs. Our admissions team will verify what your plan offers and give you a clear picture of your financial responsibility before admission. We will work with out-of-network clients when their plan includes benefits and they can meet their out-of-pocket costs. Call us to discuss your specific situation.
Many insurance plans cover residential treatment, though authorization typically requires demonstrating medical necessity. Insurers may request clinical documentation from our team to authorize residential-level care. Our clinical staff are experienced in the prior authorization process and will work with your insurer to secure the coverage your level of care requires. Coverage length and cost-sharing terms vary by plan.
Yes. Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) are commonly covered levels of care under most private insurance plans. PHP and IOP are often covered with fewer prior authorization requirements than residential treatment, making them accessible options for men who have stabilized from acute substance use or who are stepping down from residential care. Call us to verify your specific benefits at each level of care.
Your treatment information is protected by federal law under HIPAA and, for substance use disorder specifically, by 42 CFR Part 2 — which provides even stricter confidentiality protections than standard HIPAA. We cannot share your information with your employer or family members without your written consent. That said, using your insurance will generate an Explanation of Benefits (EOB) that is sent to the policyholder. If you have concerns about privacy, our admissions team can walk you through your options before you begin treatment.
No. Insurance verification is completely free. Our admissions team will conduct a full verification of benefits at no charge and with no obligation to you. We provide this service because we believe every man deserves to make an informed decision about his care without financial guesswork. Call us or submit your information to get started.
In most cases, we can verify your insurance benefits within a few hours during normal business hours. Our admissions team is available 24/7 to take your initial call and gather the necessary information, and we can often turn around a benefits summary the same day. For urgent situations, we work as quickly as possible to get you the answers you need.
Once we’ve verified your benefits, your admissions coordinator will review your coverage with you in plain language — what’s covered, your estimated out-of-pocket cost, and what the admissions process looks like from there. If you’re ready to move forward, we’ll discuss clinical fit and schedule an intake assessment. If you need more time or want to explore options, there’s no pressure. Our goal is to give you the clearest possible picture so you can make the right decision for yourself or your loved one.
Whether you’re seeking treatment for yourself or a loved one, our admissions team is here to answer your questions and guide you through the process. Making that first call can feel overwhelming, but it’s the most important step toward recovery.
Our compassionate team understands what you’re going through and is ready to provide the support and information you need to make the best decision for your situation.
With over 19 years in behavioral healthcare, Megan has led admissions, operations, compliance, and HR for adolescent and adult programs. She holds a Diploma in Alcohol and Drug Counseling Studies and graduated with honors from Chapman University with a BA in Communication Studies. Megan is a member of Lambda Pi Eta and a SHRM Certified Professional. She has developed multiple treatment start-ups and assisted existing facilities with strategic expansion, achieving licensure, certification, and accreditation.
