Do you take Medicaid or Medicare?

Coverage varies. Some Medicaid managed care plans contract with us for inpatient addiction treatment. Traditional Medicare typically covers some forms of addiction treatment but residential rehab benefits are limited. Call us to check your specific plan.

Will using insurance for rehab affect my future insurability?

No. The Affordable Care Act prohibits insurance carriers from denying coverage or charging higher premiums based on pre-existing conditions, including substance use disorder. Some patients still prefer self-pay for privacy reasons — that is also a valid choice.

Can my employer find out I went to rehab through insurance?

In nearly all cases, no. Your employer sees premium costs, not individual claims. Your medical record is protected by HIPAA. Some employers offer voluntary Employee Assistance Programs (EAP) that can help with treatment costs — using EAP services is also confidential.

How quickly can you tell me what my insurance will cover?

Usually within 2 to 4 hours of receiving your insurance information during business hours, sometimes within an hour. After-hours verifications complete the next morning. Call (725) 550-5655 to start.

Is there a free assessment?

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.

Rehab Financing & Payment Options

Insurance

The fastest path to figuring out what you will actually pay is a free, confidential benefits verification. Call (725) 550-5655 or use our insurance verification form and we will contact your carrier on your behalf. Within a few hours we can usually tell you:

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

We are in-network or work with the following major carriers:

Aetna
Blue Cross Blue Shield
Cigna
UnitedHealthcare
Anthem
Humana
TRICARE for active-duty service members, retirees, and dependents
Magellan behavioral health

If your carrier is not on this list, call us anyway — we work with most major plans on a single-case agreement basis when needed.

Self-Pay

For patients without insurance, with high-deductible plans, or who prefer to keep treatment off their insurance record entirely, we offer all-inclusive self-pay rates. Self-pay covers your room, meals, medical care, all therapy and group sessions, medications administered on site, and standard amenities. There are no surprise bills.

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

Payment plan terms are agreed on during admissions based on your specific situation. There is no penalty for paying off early, no interest piled on, and no third party calling you about late payments — if life changes, you talk to our admissions team 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

Most patients can use these accounts for deductibles, coinsurance, copays, and self-pay charges. Save your itemized statements — we provide them at discharge.

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 hit it, your insurance covers 100% of in-network care for the rest of the year. 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 law requires that insurance plans cover mental health and substance use treatment on the same terms as physical health treatment. If your plan covers a hospital stay for surgery, it cannot impose stricter limits on a hospital stay for addiction. If your insurance company is denying coverage that should be available under parity rules, talk to us — we have appealed and won many of these denials.

Scholarships & Need-Based Assistance

We reserve a limited number of partial scholarships each quarter for patients who genuinely cannot afford treatment any other way. Scholarship review considers your financial situation, clinical need, and willingness to commit to the full course of treatment. Call admissions to inquire — these are not advertised because demand exceeds supply, but they are real.

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 admissions line is staffed 24/7 and the call is free, confidential, and carries no obligation. We will give you a real number, not a sales pitch.

Financing & Payment Options