24/7 Confidential Admissions · HIPAA-Protected Speak with a counselor now — (855) 981-8935
Insurance Accepted · Nationwide

Insurance for rehab & detox,
covered the right way.

Pines Recovery Life accepts every major commercial carrier plus Tricare, Humana Military, and VA Community Care. Pick your carrier below for a detailed coverage guide — or verify your plan directly in under 60 seconds.

Verify Your Coverage Speak With a Counselor
BCBS · UHC · Aetna · Cigna Tricare · Humana Military · VA CCN HIPAA-Protected
Accredited & Certified
Joint CommissionGold Seal of Approval LegitScriptCertified
SAMHSAListed
Florida DCFLicensed Provider
HIPAACompliant
DEARegistered
Carriers Accepted

Pick your carrier, get your guide.

Each carrier page explains plan types, authorization rules, typical coverage durations, and exactly what you’ll need to verify. Tap for the full guide.

Blue Cross Blue Shield All 36 BCBS Plans · BlueCard National

BCBS is our #1 accepted carrier. Florida Blue, Horizon NJ, BCBS MA, Empire NY, Excellus NY, BCBS Texas, Anthem, BCBS FEP, and every other BCBS licensee. BlueCard reciprocity lets out-of-state members access the FL campus seamlessly. See BCBS guide →

 UnitedHealthcare Choice · Choice Plus · Options PPO (Optum)

The nation’s largest private insurer. Behavioral health benefits administered through Optum. Most Choice Plus and Options PPO plans offer strong out-of-state access. See UnitedHealthcare guide →

 Aetna Open Access · POS · PPO · HMO · HSA

A standard national commercial carrier. Aetna Open Access is its broadest nationwide network. HSA plans also allow triple-tax-advantaged use of HSA funds toward treatment. See Aetna guide →

 Cigna Open Access Plus · LocalPlus · HDHP (Evernorth)

Behavioral health benefits administered through Evernorth, Cigna’s behavioral-health subsidiary. Open Access Plus is the broadest nationwide network; LocalPlus is regional. See Cigna guide →

 Tricare Prime · Select · For Life

Coverage for active-duty service members, retirees, Guard/Reserve, and their families. Tricare has strong substance-use benefits with no arbitrary day caps when clinically justified. East region administered by Humana Military; West by HNFS. See Tricare guide →

 Humana Military Tricare East Administrator

Humana Military administers Tricare East across 21 states plus DC. If your Tricare card shows Humana Military branding, this is your pathway. See Humana Military guide →

 Humana (Commercial) Not Accepted

Humana commercial plans, including ChoiceCare PPO and employer group coverage, and Humana Medicare Advantage are not accepted at Pines. Humana Tricare — the Tricare East benefit administered by Humana Military — is, and we are in network. See Humana guide →

 VA Community Care Network For Eligible Veterans · Referral Required

VA CCN lets eligible veterans receive care from non-VA providers when VA facilities can’t meet their needs. Requires a VA referral. Our clinical team includes a Navy veteran trauma specialist. See VA CCN guide →
How Insurance Works for Rehab

The three levers that determine your actual cost.

Every commercial plan pays for rehab using the same three financial levers. Understanding them lets you walk into admission with clarity, not surprises.

Lever One

Deductible

The annual amount you pay before insurance starts covering a percentage. Plans range from $0 to $8,000+. Many patients mid-year have already met their deductible on other medical care — that can meaningfully reduce treatment cost.

Lever Two

Coinsurance

Your percentage share after the deductible is met. Typically 10–30% of the plan’s allowed amount for in-network care. Under Mental Health Parity, addiction treatment must be at the same rate as medical/surgical care.

Lever Three

Out-of-Pocket Maximum

Once you hit your annual OOP max, your insurance pays 100% of covered in-network services for the rest of the year. ACA-compliant plans cap OOP at $9,450 individual / $18,900 family (2025 limits).

Financial Counseling

No surprises, by design.

Our financial counselors run your exact numbers before you admit — deductible status, coinsurance, out-of-pocket maximum, authorization expectations. We put it on paper. You decide from a position of clarity.

If your plan has significant out-of-pocket exposure, we discuss options: HSA funds (if you have a high-deductible plan), ACA marketplace subsidies (if you’re uninsured or underinsured), and extended payment arrangements. Treatment shouldn’t be held hostage by confusion.

Start your verification
Verification
Under 60 secondsMember ID, date of birth, subscriber name — that’s all we need.
Numbers
Your exact costDeductible status, coinsurance rate, OOP max, authorization expectations.
Options
If there’s a gapHSA, marketplace subsidies, payment arrangements. Treatment isn’t held hostage.
Parity
Legally protectedMental Health Parity and Addiction Equity Act ensures equal coverage.
Preauth
We handle itOur admissions team manages every authorization — you never call the insurer.
Ready to Verify

Your coverage, confirmed in a minute.

Your member ID, date of birth, and subscriber name. That’s it. We handle the rest — HIPAA-protected, no obligation, direct to your admissions counselor.

Start Verification
BCBS · UnitedHealthcare · Aetna · Cigna · Tricare · Humana Military · VA CCN
All major commercial carriers plus Tricare and VA Community Care. Verification is free and takes < 60 seconds.
Insurance & Rehab — FAQ

The questions we hear most, answered.

What insurance does Pines accept?+
Pines accepts all Blue Cross Blue Shield plans, UnitedHealthcare, Aetna, Cigna, Tricare, Humana Military (Tricare East), and VA Community Care Network. Each carrier has its own plan types and authorization rules — see the individual carrier guides.
Is verification free?+
Yes. Verification is always free, confidential, HIPAA-protected, and carries zero obligation. Typically takes under 60 seconds once we have your member ID, date of birth, and subscriber name.
Will my deductible apply?+
In most commercial plans, yes — deductible, coinsurance, and OOP max apply to addiction treatment the same way they apply to other medical/surgical care under Mental Health Parity. Many patients mid-year have already met their deductible on other medical care.
What if I don’t have insurance?+
Our financial counselors can discuss self-pay options and help explore alternatives. Many patients qualify for an ACA marketplace PPO plan with subsidies, which is the route that works for treatment here. Medicaid is not accepted at Pines. Call (855) 981-8935 to speak with a counselor.
Does insurance cover out-of-state rehab?+
Most commercial PPO plans cover out-of-state treatment either in-network (if the facility participates) or out-of-network (at reduced reimbursement). BCBS members use BlueCard nationwide reciprocity. HMO and Medicaid plans are more restrictive. Verification confirms exactly what your plan allows.
Does my plan cover dual diagnosis?+
Yes. Under Mental Health Parity, mental health and substance use treatment must be covered at the same level as medical/surgical care. Co-occurring depression, anxiety, PTSD, and bipolar disorder are treated alongside substance use at Pines under the same authorization.

Reviewed by Sergey Litvinov, MD — Medical Director and board-certified psychiatrist at Pines Recovery Life. Updated April 2026.

Authoritative references: SAMHSA · CMS Mental Health Parity · ASAM Criteria