What Is the Best Insurance for Rehab?
Find out if your plan offers the coverage you need for addiction treatment. WhiteSands helps you verify benefits and maximize coverage.
Does My Plan Offer the Best Insurance Benefits for Rehab Treatment?
Choosing the right insurance plan can feel overwhelming, especially when researching rehab treatment coverage. Every policy is different, and knowing whether your plan covers detox, inpatient care, outpatient programs, or medication-assisted treatment can make a big difference in your recovery journey.
According to the National Institute on Drug Abuse, nearly 40% of people who need addiction treatment don’t receive it, often due to cost or insurance concerns. At WhiteSands Treatment, we work closely with major insurance providers to verify benefits and maximize coverage. Whether you have in-network (INN) or out-of-network (OON) coverage, or are considering private payment options, our team can guide you through the process.
Can I Use Out-of-Network Benefits for Addiction Treatment?
Yes, you can absolutely use out-of-network benefits for addiction treatment, and for many people, it’s the best choice. While in-network plans may seem more affordable upfront, they often restrict you to facilities that don’t always provide the level of care, amenities, or treatment approaches you deserve. Recovery is a life-changing decision, and quality should come first.
At WhiteSands Treatment, we accept most OON insurance plans, giving you the freedom to choose a program that prioritizes comprehensive care, personalized treatment, and lasting recovery. Many patients find that investing in a top-tier program actually saves money and stress in the long run by reducing relapse and repeated treatment.
Our admissions specialists are here to review your benefits, estimate costs, and explore flexible payment options. With fewer restrictions than in-network plans, OON coverage helps ensure you receive the highest quality care; an investment worth every step.
3 Easy Steps to Verify Your Insurance
Call Our Admissions Team
We’re available 24/7 to take your call.
Share Your Insurance Details
Have your policy number, group ID, and date of birth ready.
Receive Your Coverage Details
We’ll confirm your benefits and explain any expected costs.
Which Insurance Companies does WhiteSands work with?
More of our insurance partners
- Aetna
- American Family Insurance
- American National Insurance Company
- Amerigroup
- Assurant
- Blue Cross Blue Shield
- Celtic Insurance Company
- Centene Corporation
- Cigna
- Coventry Health Care
- EmblemHealth
- Fortis
- Golden Rule Insurance Company
- Group Health Cooperative
- Guardian
- GHI
- Health Net
- HealthMarkets
- Healthplus
- HealthSpring
- Kaiser Permanente
- LifeWise Health Plan of Oregon
- MetLife
- Medical Mutual of Ohio
- Metropolitan Group
- Optima Health
- Premera Blue Cross
- Principal Financial Group
- The Regence Group
- Shelter Insurance
- Thrivent Financial for Lutherans
- UnitedHealth Group
- Unitrin
- Universal American Corporation
- WellPoint
How Do I Check If My Plan Includes Addiction Treatment Coverage?
The first step in finding the best coverage for rehab is confirming whether your plan includes addiction treatment benefits. Review your policy documents or log into your insurance portal and look for terms like:
- Substance use disorder treatment
- Behavioral health services
- Mental health parity
Most plans must cover some level of care under the Affordable Care Act, but inpatient, outpatient, or detox benefits can vary. You can also call the number on your insurance card. At WhiteSands Treatment, our admissions team can complete a verification of benefits (VOB) for you, saving time and giving you clear answers before you begin recovery.
Are Private Payment Plans Available for Rehab Treatment?
WhiteSands Treatment offers private payment options for those who prefer to self-fund care or don’t have insurance. Paying privately provides flexibility and control, ensuring financial barriers don’t delay recovery. We accept personal checks, bank transfers, and all major credit cards for treatment costs. Private pay is a great option if insurance doesn’t cover the care you need or if you want to avoid the restrictions of in-network facilities. Many patients also value being able to start treatment immediately without waiting for insurance approvals. Call us toll-free at 877-855-3470 to discuss payment structures and create a personalized recovery plan.
With Which Insurance Companies Is WhiteSands In Network?
When exploring the best insurance coverage for rehab, it helps to know which companies WhiteSands Treatment is in-network with. INN coverage usually means lower out-of-pocket costs because rates are pre-negotiated. WhiteSands partners with top insurers to make treatment both accessible and affordable.
We are currently in-network with:
- Aetna
- Cigna
- Blue Cross Blue Shield
These leading providers often include benefits for detox, inpatient rehab, outpatient care, and medication-assisted treatment. Our admissions team can verify your benefits, explain coverage details, and outline any costs upfront, so you can focus fully on recovery while maximizing your insurance.
Contact WhiteSands Treatment to Learn More About the Best Insurance Coverage for Rehab
Finding the best insurance coverage for rehab doesn’t have to be complicated. At WhiteSands Treatment, our dedicated admissions team is here to guide you through the process, verify your benefits, and explain your coverage options clearly. Whether you choose an in-network provider, use an out-of-network plan, or are even considering private payment, we’ll help you understand the best path forward so you can focus entirely on recovery. Call us today at 877-855-3470 or complete our quick online verification form to take the first step toward treatment. The care you deserve is only a call away.
What types of insurance plans have the best coverage for rehab?
The best coverage for recovery services will cover the full range of services you may need, including detox, inpatient treatment, outpatient programs, and medication-assisted care. Plans that allow access to high-quality providers without restrictive limits often provide the best value for long-term recovery.
Does the Affordable Care Act require insurance to cover addiction treatment?
Yes. Under the Affordable Care Act, most insurance plans must cover substance use disorder treatment as an essential health benefit. However, the extent of coverage, co-pays, and treatment limits varies by plan.
What is the difference between in-network (INN) and out-of-network (OON) coverage?
In-network coverage usually costs less out-of-pocket because the provider has a contract with your insurer. Out-of-network coverage gives you more flexibility and access to facilities like WhiteSands, which often provide more comprehensive treatment options.
Why should I consider out-of-network insurance for rehab?
Out-of-network coverage allows you to choose top-tier facilities that may not be listed in your insurer’s network. This ensures access to higher-quality programs, better amenities, and individualized treatment—often leading to stronger recovery outcomes.
Will using out-of-network insurance delay my admission?
No. WhiteSands can process out-of-network benefits quickly, ensuring you can start treatment without long waits.
With which insurance companies is WhiteSands in network?
We are currently in network with Aetna, Cigna, and BlueCross BlueShield, three of the largest insurers in the country.
What services are typically covered by in-network plans?
Depending on your plan, in-network coverage may include medical detox, inpatient rehab, outpatient treatment, counseling, and medication-assisted treatment.
How do I find out if my insurance covers rehab treatment?
You can call the customer service number on your insurance card, review your policy, or let WhiteSands conduct a verification of benefits (VOB) on your behalf for free.
What happens if my insurance only covers part of the cost?
If your insurance covers only part of the treatment, WhiteSands offers flexible payment options and private pay arrangements to help bridge the gap.
Are private payment plans available for rehab treatment?
Yes. WhiteSands accepts personal checks, bank transfers, and all major credit cards. Private pay ensures immediate access to care without delays from insurance approvals.
Why would someone choose private pay over insurance?
Private pay provides maximum flexibility, privacy, and control. It removes insurance restrictions and allows patients to customize their care without worrying about coverage limits.
Can I combine insurance with private payment?
Yes. Many patients use their insurance for covered services and pay privately for any additional care, upgrades, or services not included in their plan.
Does insurance cover detox services?
Most insurance plans cover at least part of medical detox. However, coverage may vary depending on whether the provider is in-network or out-of-network.
Will my insurance cover dual diagnosis treatment?
Many plans include dual diagnosis treatment, which addresses both addiction and co-occurring mental health disorders, but coverage depends on your individual policy.
What if my plan doesn’t list WhiteSands as in-network?
Even if WhiteSands is not listed in your network, you can still use out-of-network coverage. We accept nearly all OON plans from an exhaustive list of carriers and can verify your benefits for you.
How much can I save by choosing a rehab that is in network?
On average, patients save 20–40% with in-network care compared to out-of-network. However, out-of-network coverage often provides access to higher-quality facilities, which may prevent relapse and long-term costs.
Will my insurance cover the entire cost of rehab?
Not always. Many plans cover a large portion but may require co-pays, coinsurance, or deductibles. WhiteSands can give you a precise estimate before admission.
Does WhiteSands offer fast verification of benefits (VOB) for all insurance plans?
Yes. Our admissions team provides fast, free, confidential insurance benefits verification (VOB) so you know exactly what’s covered before starting treatment.
Can I still get treatment if I don’t have insurance?
Absolutely. WhiteSands offers private pay options and flexible financial arrangements to ensure cost doesn’t stop you from getting the help you need.
How do I get started with verifying my coverage?
Call (877) 855-3470 or complete our online verification of benefits (VOB) form. Our team will confirm your benefits, explain your options, and help you take the first step toward recovery.
How do I get started with verifying my coverage?
Call (877) 855-3470 or complete our online verification of benefits (VOB) form. Our team will confirm your benefits, explain your options, and help you take the first step toward recovery.
Aerial View of our Facility Located in Close Proximity to Downtown
Pool Next to Private Rooms
Entrance to Main Lobby and Reception Area
