How do I find out if my insurance covers BetterChoice?

Call us at (725) 550-5655 with your insurance information. We verify benefits in about ten minutes and give you a clear answer about coverage and expected costs.

Will using insurance affect my future coverage or premiums?

Substance use treatment is covered like any other medical care under federal mental health parity laws. Insurance companies are not legally permitted to deny future coverage based on substance use history. Premium impacts are minimal in most cases.

What if my plan does not cover residential treatment?

A few options: we negotiate single case agreements when possible, we offer private pay rates and payment plans, and we can sometimes help structure a stay that maximizes what is covered.

Do you take Medicare or Medicaid?

Our primary focus is commercial insurance. We can sometimes work with Medicare or Nevada Medicaid through specific arrangements — call to discuss your situation.

What does the typical out-of-pocket cost look like?

Highly variable based on your plan. For many PPO clients, total out-of-pocket for detox plus residential falls in the $2,000-$10,000 range. We give you a clear estimate before admission.

Can I get treatment without using insurance at all?

Yes. Private pay is always an option. For clients with significant privacy concerns, this is sometimes the preferred path because it avoids creating an insurance-side record of treatment.

Insurance & Payment Options

Insurance Plans We Work With

We are in-network or able to negotiate single case agreements with most major commercial insurance plans, including:

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)

We also work with various smaller and regional carriers. The best way to find out about your specific plan is to verify benefits — it takes about ten minutes and there is no obligation.

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. The conversation with your insurance company does not require us to disclose anything about your specific situation beyond what is necessary to confirm coverage.

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 insurance may still cover a percentage of treatment (often 60-80% on PPO plans).
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. We negotiate SCAs frequently.

What Insurance Typically Covers

Most major PPO plans cover medically necessary substance use treatment, including:

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 require coverage of substance use disorder treatment at the same level as other medical conditions.

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

For many of our clients with PPO insurance, total out-of-pocket cost for a complete detox-and-residential stay falls between $2,000 and $10,000. For some, it is much less. We will give you a clear estimate before you commit to admission.

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 at our published rates
Payment plans for clients who can pay over time
Third-party financing through partners who specialize in healthcare lending

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 — typically within an hour during business hours, often same day on evenings and weekends
We explain what your insurance will cover, what you will likely owe, and what next steps look like

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. We are upfront about expected costs from the beginning.

Contact

To verify your benefits or ask questions about cost:

(725) 550-5655 198 Ebb Tide Cir Las Vegas, NV 89123