The Mental Health Parity and Addiction Equity Act (MHPAEA) requires most group health plans to cover substance use disorder treatment at the same level as other medical conditions. The Affordable Care Act (ACA) goes further and classifies substance use treatment as an essential health benefit on every marketplace plan sold in California. If you don’t have private insurance, a private payment plan may be an option for you.
Rehab Insurance Coverage and Cost of Treatment in Los Angeles
Paying For Treatment In Southern California
iRely Recovery Works With Most Major Insurance Carriers
Understanding Your Insurance Type
Not every plan works the same way. Knowing your plan type sets realistic expectations for what is covered and what you may pay out of pocket.
PPO Plans
Generally the most flexible option. PPO plans often include out-of-network benefits, so iRely Recovery may be covered even if we are not in your plan’s network directory.
HMO Plans
Usually require a referral and in-network providers. We work with HMO-based clients through prior authorization, which our team handles directly with your insurer.
EPO Plans
Similar to HMO but without a referral requirement. Coverage is generally limited to in-network providers; we verify your plan’s network status and discuss single-case agreements when appropriate.
Self-Pay / Uninsured
For clients without insurance, or with insufficient coverage, we discuss financial assistance directly. Extended payment plans and sliding-scale options may be available.
Rehab Insurance Coverage by Carrier
iRely Recovery works with most major PPO plans. Here’s what to expect from each of our most commonly seen carriers.
Aetna Rehab Coverage
Aetna PPO plans commonly include behavioral health benefits for detox, residential, and outpatient addiction treatment. We verify your specific plan, deductible status, and prior-authorization requirements before you commit to anything.
Verify My Aetna Coverage →Cigna Rehab Coverage
Cigna behavioral health plans typically cover substance use treatment under the same parity protections as other major carriers. Coverage details vary by specific plan, which is why we verify directly with Cigna first.
Verify My Cigna Coverage →United Healthcare Rehab Coverage
UnitedHealthcare plans generally include behavioral health coverage for addiction treatment under MHPAEA. We confirm your plan’s specific coverage, network status, and authorization steps as part of a free benefits check.
Verify My UnitedHealthcare Coverage →Blue Cross Rehab Coverage
Blue Cross Blue Shield plans commonly extend behavioral health benefits to residential and outpatient addiction treatment. Because plans vary by state and employer group, we verify your specific plan before providing a cost estimate.
Verify My Blue Cross Coverage →Humana Rehab Coverage
Humana plans commonly include behavioral health benefits for detox, residential, and outpatient addiction treatment. Coverage varies by plan type, including Medicare Advantage, so we verify your specific plan before providing a cost estimate.
Verify My Humana Coverage →Health Net Rehab Coverage
Health Net plans commonly include behavioral health benefits for detox, residential, and outpatient addiction treatment. Many plans manage those benefits through a separate behavioral health administrator, so we verify your specific plan and network status before providing a cost estimate.
Verify My Health Net Coverage →We also accept Kaiser, along with many additional PPO plans not listed above. If your carrier isn’t shown here, call us and we’ll check anyway.
Verifying Your Insurance Coverage at iRely Recovery
To determine what your healthcare insurance covers, call the iRely Recovery admissions team today. We will walk you through what your health insurance will cover, copays, deductibles, and any remaining out-of-pocket expenses. Don’t let a lack of clarity over payment keep you or your loved one from getting the help needed.
Instant Insurance Verification: Get Clarity Online
Enter your health insurance plan details in this form and learn what your insurance policy or plan covers. All personal information is kept confidential and protected.
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No Insurance? Private Payment Options Are Available
Even without insurance benefits, treatment can be accessible. There may also be additional out-of-pocket costs that must be covered privately. The iRely Recovery team will help you navigate the admissions process and lay all the options on the table to help you make informed decisions and begin your rehab program with confidence.
How to Verify Your Rehab Insurance Coverage
Verifying your benefits takes about 10 minutes and commits you to nothing.
1
Call or Submit Your Info
Call our admissions line or submit the insurance verification form on this page. We collect your member ID, group number, and plan name.
2
We Check Your Benefits
Usually within 1–2 business hours, we confirm deductible status, in-network vs. out-of-network rates, prior-authorization requirements, and days of coverage.
3
We Explain Your Coverage
You’ll know your estimated out-of-pocket cost before committing to admission, no surprises.
4
We Handle the Paperwork
If you move forward, our billing team manages all insurer communication through treatment: claims, utilization reviews, and appeals.
Financing and Payment Options When Insurance Doesn’t Cover Everything
When insurance doesn’t cover the full cost, iRely Recovery offers healthcare-specific financing through partners such as Prosper Healthcare Lending or CareCredit, payment plans arranged directly with our finance team to spread the out-of-pocket portion over months, and private-pay arrangements for clients who prefer not to involve insurance for confidentiality reasons. Cost should never be the reason someone doesn’t get information. Call us even if you’re not sure what you can afford.
Still Have Questions? We Can Help.
Contact iRely to begin your recovery journey today.
Frequently Asked Questions About Rehab Insurance
If you have a group health plan through an employer, or a plan purchased on the ACA marketplace, federal law (MHPAEA and the ACA) generally requires the plan to cover substance use disorder treatment at parity with medical and surgical benefits. There are exceptions, notably certain grandfathered plans and some self-funded employer plans. We verify your specific coverage as part of the intake process.
Prior authorization is a requirement from your insurer that treatment be approved before it begins. Many insurers require it for residential rehab. Our admissions and billing team handles prior authorization on your behalf. In urgent situations, detox-level care can sometimes begin while residential authorization is still pending.
Out-of-pocket costs include your deductible, your co-insurance (your percentage share of covered costs after the deductible), and any copays. Your plan’s out-of-pocket maximum caps your total annual exposure. We calculate your estimated total out-of-pocket cost when we verify your benefits.
Yes. Health Savings Account and Flexible Spending Account funds can be used for rehab at a qualified treatment facility, including deductible and co-insurance amounts not covered by insurance.
If we’re out-of-network for your plan, you may still have partial coverage under your plan’s out-of-network benefits if you have a PPO plan. For HMO and EPO plans with no out-of-network benefits, we can sometimes obtain a single-case agreement with your insurer. Where coverage is limited, self-pay and payment plan options are available.
