Insurance Plans We Work With
Admissions can check benefits with commercial carriers such as the ones below. Whether BetterChoice is in-network, out-of-network, or eligible for a single case agreement depends on your specific plan and is confirmed with the insurer:
- Aetna (PPO, POS, HMO with out-of-network benefits)
- Anthem (BCBS plans across multiple states)
- Blue Cross Blue Shield (most BCBS-affiliated plans)
- Cigna (PPO, EPO, OAP)
- Humana (PPO, POS)
- Magellan Health (managed behavioral health for many employer plans)
- TRICARE (Prime, Select, and other variants for active duty, retired military, and dependents)
- UnitedHealthcare / Optum / UMR (PPO, POS, EPO)
Ask about smaller and regional carriers as well. The best way to find out about your specific plan is to request a benefits check; there is no obligation, and the time it takes depends on your carrier.
What "Verifying Benefits" Means
Verifying benefits is the process of confirming with your insurance company:
- That you have active coverage
- What level of care is covered (detox, residential, PHP, IOP, outpatient)
- What your deductible and out-of-pocket maximum are
- How much your insurance will pay versus what you will pay
- Whether prior authorization is required
This is a standard pre-admission process. We handle it for you confidentially. We aim to share only what is necessary for the benefits check. A benefits check is an estimate, not a guarantee of payment.
In-Network vs. Out-of-Network
- In-network means we have a direct contract with your insurance company. Generally lower out-of-pocket costs for you.
- Out-of-network means we do not have a direct contract, but your plan may still pay part of the cost if it has out-of-network benefits; the percentage, allowed amount and your balance vary by plan.
- Single case agreement (SCA) is a one-time contract negotiated specifically for your treatment when we are not in-network with your plan but your insurance agrees to in-network rates for your specific case. An SCA is not guaranteed; we can request one when appropriate, and the insurer decides.
What Insurance Typically Covers
Many plans include benefits for medically necessary substance use treatment, which may include:
- Medical detox
- Residential rehab (typically 30 days, sometimes longer with continued medical necessity)
- Partial hospitalization (PHP)
- Intensive outpatient (IOP)
- Standard outpatient
- Medication-assisted treatment (MAT)
- Mental health treatment for co-occurring conditions
What insurance covers is governed by federal and state mental health parity laws, which generally require that limits on substance use disorder benefits be no more restrictive than limits on comparable medical benefits. Parity rules do not require every plan to cover every service.
What Out-of-Pocket Costs Look Like
The actual cost to you depends on:
- Your specific plan's deductible
- Your out-of-pocket maximum
- Whether the facility is in-network or out-of-network
- The level of care (detox, residential, etc.)
- The length of stay
Your cost depends on the plan details above. Ask for a written estimate before you commit to admission, and remember that the insurer's final claim decision can differ from a pre-admission estimate.
Private Pay Options
For clients who do not have insurance, prefer not to use insurance, or have insurance that does not cover residential treatment, we offer:
- Direct private pay — ask admissions for current rates in writing
- Payment arrangements — ask whether any are currently offered and get the terms in writing
- Outside healthcare financing — if discussed, review the lender's own rates, fees and terms; approval is not guaranteed
Private pay can also be the right choice when privacy is a critical concern (using insurance creates a record of treatment with your insurance company).
What to Expect From the Verification Process
- You call us at (725) 550-5655 or fill out our online form
- You provide your insurance information (member ID, group number, date of birth)
- We contact your insurance company to verify coverage
- We call you back with what we learned; timing depends on your carrier and the time of day
- We explain what the benefits check showed, what you may owe, what remains uncertain, and next steps
There is no commitment. Many people verify benefits long before they decide whether to enter treatment, and we encourage that — knowing what is covered is part of making an informed decision.
A Note on "Free" Treatment
If a facility tells you treatment is "free" with your insurance, ask careful questions. Most insurance has deductibles and out-of-pocket maximums that the patient is responsible for. Marketing claims of "$0 out of pocket" are sometimes accurate (when the deductible has been met) and sometimes misleading. Ask us for an estimate and what it does and does not include.
Contact
To verify your benefits or ask questions about cost:
(725) 550-5655 198 Ebb Tide Cir Las Vegas, NV 89123