You can verify your insurance for rehab by filling out the secure form below or calling our 24/7 admissions line at (205) 533-6509. Our team checks your benefits for free, explains what your plan may cover, and helps you find the right level of care at a facility in the Recover Now network.
Start Your Free Insurance Verification
Share the details from your insurance card and an admissions specialist will review your benefits. No cost, and no obligation to start treatment.
Share your card details
Fill out the secure form below or call us.
We review your benefits
Admissions usually follows up within five minutes to check what your plan may cover and whether prior authorization is needed.
We walk you through options
You'll hear what your plan may cover, your likely costs, and the next steps for care.
Rather talk it through? Call (205) 533-6509
We're here 24 hours a day, seven days a week.
What to Have Ready
Having your insurance card in hand makes the check faster. If you're verifying for someone else, you'll need their details.
Member ID
Printed on the front of your insurance card. It identifies your policy.
Group number
Also on the front of your card. It links your plan to your employer or group.
Plan type
HMO, PPO, or EPO. Find it on your card or benefits portal. It affects network and prior authorization rules.
Policyholder's name and date of birth
Confirms who holds the plan.
Details of the person seeking care
Their name and date of birth, if they aren't the policyholder.
Insurance company and member services number
On the back of your card, so admissions can reach the right benefits line.
Best phone number for you
So admissions can share your results.
What We Check During Your Verification
A verification of benefits (VOB) is a review of what your plan may pay for addiction, mental health, or eating disorder treatment. It shows your likely coverage and costs before you commit to care.
| What we check | What it tells you |
|---|---|
| Behavioral health benefits | Whether your plan includes substance use and mental health coverage |
| Network status | Whether a facility in the Recover Now network is in network for your plan |
| Prior authorization | Whether your insurer must approve a level of care before it starts |
| Deductible and out-of-pocket maximum | What you may pay before coverage begins, and your yearly cap |
| Copays and coinsurance | Your likely share of the cost per visit or per day |
| Limits and reviews | Any day or visit limits, and whether ongoing reviews apply |
Network status is confirmed for you
We accept most private insurance plans, including employer-sponsored and Marketplace plans. Network participation varies by facility, so your network status is confirmed during your free verification.
Estimates, not guarantees
Once your benefits are confirmed, admissions can walk you through your estimated out-of-pocket costs. Your insurer makes the final coverage decision.
Veterans and Military Families
VA and TRICARE are accepted at Longbranch Recovery and Tides Edge Recovery, part of the Recover Now network. We can check these benefits in the same free verification.
Which Levels of Care Insurance May Cover
Many plans may cover care from medically supervised detox through outpatient therapy when treatment is medically necessary. What your plan pays depends on your benefits, network status, and any prior authorization rules.
Medical detox
Supervised withdrawal management.
Ask: Is prior authorization needed, and how is the stay billed?
Residential treatment
Live-in care with around-the-clock support.
Ask: What are the prior authorization and continued-stay review rules?
Partial hospitalization (PHP)
Structured day treatment, with evenings at home.
Ask: What are the medical necessity criteria?
Intensive outpatient (IOP)
Several therapy sessions a week while you live at home.
Ask: Are there weekly session limits?
Outpatient therapy and aftercare
Ongoing therapy and support after a higher level of care.
Ask: What are the visit limits and copays?
Medication-assisted treatment (MAT)
Medication combined with counseling.
Ask: Which medications does my plan cover?
Sober living
Substance-free transitional housing.
Ask: What applies to my plan? Coverage is limited and often paid out of pocket.
Not every facility offers every level of care. Admissions matches you to a facility that provides the care you need.
Explore Treatment by Category
Not Sure Which Level of Care Fits?
Admissions can help with that on the same call.
Prior Authorization, Explained
Prior authorization is your insurer's approval before certain care begins. It's common for detox and residential treatment, and our admissions team contacts your insurer and requests prior authorization for you, so you don't have to handle the paperwork.
How long it takes depends on your insurer and the level of care. Many insurers use the ASAM Criteria, clinical guidelines from the American Society of Addiction Medicine, to decide which level of care is medically necessary. Insurers often offer a faster review when the situation is urgent.
What is a peer-to-peer review?
If the insurer questions the request, the treating clinician can ask for a peer-to-peer review, a direct conversation with the insurer's medical reviewer about why the care is needed.
If Your Insurance Denies Coverage
A denial isn't always the final word. Our team handles communication with your insurer, and in many cases a denial can be appealed. Here's how the process works.
- Get it in writingAsk for the denial reason and your Explanation of Benefits (EOB).
- Request a peer-to-peer reviewThe treating clinician can discuss medical necessity directly with the insurer's reviewer.
- Gather recordsProvider notes and the treatment plan help show why care is needed.
- Appeal on timeFile before the deadline in your denial letter. If care is urgent, ask for an expedited review.
- Ask about external reviewIf the internal appeal is denied, you may qualify for an independent review.
- Explore other optionsAsk whether a different level of care would be approved, or ask admissions about other network facilities and private pay.
In-Network vs. Out-of-Network Care
In-network care
- The facility has a contract with your insurer
- Usually a lower cost share
- Your verification confirms network status
Out-of-network care
- Can mean a higher deductible or coinsurance
- You may be billed the difference between the charge and what your plan pays
- Your verification shows which applies to you
Plan type matters too. HMO plans generally require in-network providers, while PPO plans usually pay something toward out-of-network care at a higher cost.
Paying Without Insurance
No insurance, or prefer not to use it? Private pay is available. Rates depend on the level of care and length of stay, which our clinical team recommends after a free phone assessment.
Is My Information Kept Private?
Yes. Your verification is confidential, and the online form is a HIPAA-compliant intake. A benefits check isn't an insurance claim, and it doesn't commit you to treatment.
Frequently Asked Questions
Does insurance cover rehab?
Many health plans include benefits for substance use and mental health treatment. Coverage still depends on your plan, network status, and medical necessity. A free verification shows what your plan may cover.
Is insurance verification really free?
Yes. The benefits check is free and confidential, and there's no obligation to start treatment. You can use the online form or call (205) 533-6509 any time.
How long does insurance verification take?
After you submit the form, admissions usually follows up within five minutes. The full benefits check depends on how quickly your insurer responds, and our team handles that part for you.
Can I verify insurance for a family member?
Yes. Admissions can check benefits on their behalf. Have their member ID, group number, name, and date of birth ready.
Do you check TRICARE and VA benefits?
Yes. VA and TRICARE are accepted at Longbranch Recovery and Tides Edge Recovery, part of the Recover Now network. Admissions can check these benefits in the same free verification and explain the veterans track.
What happens after my benefits are verified?
Admissions explains your coverage and estimated costs, then completes a clinical assessment to find the right level of care. From there, they match you to a facility in the network and help schedule admission.
What if no network facility is in network with my plan?
Admissions will walk you through your options, which may include out-of-network benefits or private pay.
Does verifying my insurance commit me to treatment?
No. A benefits check is information only. You decide what happens next, on your timeline.
Next Steps
Start admissions
Ready to move forward? Begin the admissions process.
Help for a loved one
Guidance for families supporting someone they care about.
This page is for general information and isn't medical or legal advice. Your insurer makes all coverage decisions. If you're in crisis, call or text 988 (Suicide & Crisis Lifeline). For free, confidential treatment referral information, call the SAMHSA National Helpline at 1-800-662-4357.
Ready to Check Your Coverage?
Don't wait for tomorrow. Recover Now. One free, confidential check is the first step, and our team is here around the clock.