Insurance Coverage for Professional Treatment

A guide to common coverage and payment questions for treatment

Insurance Overview

Insurance Plans We Accept

Major Carriers

  • BlueCross BlueShield (all plans)
  • UnitedHealthcare
  • Aetna
  • Cigna / Evernorth
  • Humana
  • Optum

Regional Plans

  • Multiplan
  • PHCS
  • Tennessee regional carriers
  • Employee Assistance Programs
  • Out-of-network benefits

Payment Options

  • Flexible payment plans
  • Private pay arrangements
  • EAP coordination
  • Reduced fee options
  • Financial counseling

The Mental Health Parity and Addiction Equity Act (MHPAA) requires group health plans to cover addiction treatment comparable to medical and surgical benefits. Most insurance plans provide comprehensive coverage for outpatient services, intensive outpatient programs, and partial hospitalization programs.

Insurance verification should explain coverage, deductibles, co-payments and treatment limitations before treatment begins. Confirm benefits directly with the insurer and provider.

Insurance Verification

Review the insurance guide and confirm benefits and out-of-pocket costs directly with the insurer and qualified provider.

Treatment Information