Start with your specific plan
Many health plans include substance-use or mental-health benefits, but parity rules do not make every plan, service, or program covered. Medical-necessity criteria, authorization, exclusions, network, and the requested level of care all matter.
Ask both the insurer and program about your deductible, copay or coinsurance, network status, authorization, exclusions, and estimated member cost. A benefits check is useful but is not a guarantee that a claim will be paid.
Private & employer insurance
Commercial plans from Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, and others may include treatment benefits. In-network and out-of-network rules vary, and a directory listing does not prove either status.
Clear Bed Recovery narrows results using a reported payment category and, when supplied, a named carrier. The program and insurer must still confirm participation, eligibility, authorization, benefits, and estimated cost.
Medicaid & Medicare
Medicaid and Medicare may cover eligible substance-use services, but the covered services, networks, authorization rules, eligibility, and member costs vary by program and plan.
The directory can show which programs list Medicaid or Medicare as a payment option. Treat that as a question to verify, not proof of participation or coverage.
Self-pay and sliding scale
If you are uninsured, many programs offer self-pay rates, payment plans, scholarships, or sliding-scale fees based on income. Publicly funded and nonprofit programs may offer low- or no-cost care.
SAMHSA’s free national helpline (1-800-662-4357) can also point you to low-cost and state-funded options, 24/7.
Questions to ask when verifying benefits
You do not need to decode your policy alone. You can contact the program’s admissions line and your insurer to ask about eligibility, network, authorization, exclusions, deductible, coinsurance, and an estimated member cost.
A program or insurer may provide a benefits estimate, but timing varies and the estimate is not a promise of admission, coverage, final cost, or claim payment.
Clear Bed Recovery connects you to treatment facilities; we do not provide treatment ourselves, and we never charge you to use the service.