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Insurance

Financing & Payment Options

Cost should not be a mystery. Many people use insurance toward treatment when their plan includes eligible benefits. Admissions can also discuss self-pay, any payment arrangements currently offered, HSA and FSA accounts, and family contributions. Get any payment terms in writing before admission.

Insurance

The best first step in estimating what you may pay is a no-cost, confidential benefits check. Call (725) 550-5655 or use our insurance verification form and we will contact your carrier on your behalf. Timing depends on your carrier. We aim to learn:

  • Whether your plan covers medical detox and residential treatment at our facility
  • Your deductible, coinsurance, and out-of-pocket maximum
  • How many days of inpatient care your plan typically authorizes
  • Whether prior authorization is required and how long it takes
  • What your estimated out-of-pocket cost will be

Admissions can check benefits with carriers including the following. Network status depends on your specific plan and is confirmed with the insurer:

If your carrier is not on this list, call us anyway. When appropriate, we can ask a plan about a single case agreement; approval is not guaranteed.

Self-Pay

For patients without insurance, with high-deductible plans, or who prefer to keep treatment off their insurance record entirely, ask admissions for current self-pay rates. Get a written list of what the rate includes — such as room, meals, medical care, therapy and group sessions, medications administered on site, and amenities — and what could be billed separately.

Self-pay rates vary based on your length of stay and level of care (medical detox vs. residential vs. step-down). Call (725) 550-5655 for current pricing.

In-House Payment Plans

We offer payment plans directly through BetterChoice — no banks, no third-party lenders, no credit applications. The agreement is between you and us, and the terms are designed around what your family can actually afford. Common structures we have set up for families:

  • Down payment + monthly installments for the balance, typically over 6, 12, or 24 months
  • Graduated payments that start lower and step up over time as a patient returns to work
  • Family contribution plans that split payment across multiple family members
  • Post-treatment payment plans that begin after discharge so a patient can focus fully on recovery during their stay

Any payment arrangement, including interest, fees, early-payment terms and what happens if a payment is missed, should be confirmed in a written agreement before admission. If life changes, contact admissions directly.

HSA, FSA, and HRA Accounts

Addiction treatment is a qualified medical expense under the IRS code, which means you can use:

  • Health Savings Account (HSA) funds tax-free
  • Flexible Spending Account (FSA) funds tax-free
  • Health Reimbursement Arrangement (HRA) if your employer offers one

These accounts can generally be used for qualified medical expenses, which may include deductibles, coinsurance, copays, and eligible self-pay treatment charges; check with your plan administrator. Ask admissions for itemized statements.

Out-of-Pocket Maximums

Under the Affordable Care Act, most insurance plans have a yearly out-of-pocket maximum that caps what you will pay in a calendar year. Once you reach it, your plan generally pays 100% of covered in-network care for the rest of the plan year. Out-of-network care and non-covered services may not count toward that cap. For 2025, the federal cap is $9,200 for an individual and $18,400 for a family — many plans set lower caps. If you have already paid significant medical expenses this year, you may already be at or near your cap, which can mean treatment costs you very little out of pocket. Ask us to check during benefits verification.

Mental Health Parity

Federal parity law generally requires that plans offering mental health and substance use benefits apply them on terms no more restrictive than comparable medical and surgical benefits. It does not require every plan to cover every service. If you believe a denial violates parity rules, talk to us; we can explain the appeal process and supply clinical records with your consent, but no appeal outcome can be promised.

Scholarships & Need-Based Assistance

Ask admissions whether any need-based assistance is currently available. Availability, eligibility and amounts are decided case by case and are not guaranteed.

What If I Can't Afford It?

Even with all of these options, treatment is not cheap, and we will not pretend otherwise. If you are facing a true affordability barrier and we cannot make our program work, we will help you find an option that can — including state-funded programs, faith-based recovery communities, Salvation Army Adult Rehabilitation Centers, and federally funded community treatment centers.

The Substance Abuse and Mental Health Services Administration (SAMHSA) operates a free, confidential national helpline at 1-800-662-HELP (4357) that can refer you to treatment in your area regardless of ability to pay.

Questions?

Call (725) 550-5655. The call is free, confidential, and carries no obligation. Ask for cost estimates in writing.

Frequently Asked Questions

Coverage varies. Ask whether your specific Medicaid managed care plan contracts with BetterChoice; network status must be confirmed. Traditional Medicare covers some forms of addiction treatment but residential rehab benefits are limited. Call us to check your specific plan.

For most ACA-regulated health plans, no — they cannot deny coverage or charge more because of a pre-existing condition, including substance use disorder. Some plan types, and life or disability insurance, follow different rules. Some patients still prefer self-pay for privacy reasons — that is also a valid choice.

Usually not through the insurance claim itself. Employers generally do not receive individual claim details from a group health plan, and health plans are subject to HIPAA. However, employer-administered leave, disability, and some self-funded plan processes can involve limited information, so ask HR or the plan how information is handled. Some employers offer voluntary Employee Assistance Programs (EAP) that can help with treatment costs — using EAP services is also confidential.

Timing depends on your carrier and when you call. Admissions can tell you when to expect an update. Call (725) 550-5655 to start.

Yes. The phone consultation with our admissions team and the insurance verification are both free and carry no obligation. A clinical assessment that determines your level of care is included with admission.

Ready to Take the First Step?

Contact admissions to answer questions and check your benefits — confidentially and at no cost.

Call (725) 550-5655Verify Insurance