Yes! We accept most major medical insurance plans. Recent federal legislation has made it mandatory for most insurance providers to pay for drug and alcohol treatment, making it more accessible than ever to get the help you need. The most effective way to understand your specific benefits is to speak with one of our admissions representatives, who can assist you in verifying your coverage and provide clear information on your policy and any other payment options. This service is completely free and confidential.
Your Insurance Is Legally Required to Cover Addiction Treatment
Understanding your rights around behavioral health coverage can make a significant difference when seeking help. One important federal law — the Mental Health Parity and Addiction Equity Act (MHPAEA) — changed how many insurance companies must handle mental health and substance use disorder (SUD) treatment.
Under parity protections, health plans that provide behavioral health benefits are generally required to treat them similarly to medical and surgical care. This means insurers cannot apply stricter financial requirements or treatment limitations to addiction treatment services than they would for comparable physical health conditions.
In practical terms, copayments, deductibles, visit limits, and prior authorization requirements for substance use treatment should not be more restrictive than those applied to services such as hospital stays or other medical treatments covered under the same plan.
However, coverage details can still vary depending on the type of plan, employer coverage, network participation, and state regulations. Because of these differences, verifying benefits is an important step before beginning treatment.
What Does “In-Network” Mean and Why Does It Matter?
When a treatment facility is “in-network,” it means they have a contract with your insurance company to provide services at a pre-negotiated, discounted rate. Discovery Point Retreat is proud to be an in-network provider for a wide range of major insurance carriers. Choosing an in-network facility like ours provides two significant advantages. First, your out-of-pocket expenses — including deductibles, copayments, and coinsurance — will almost always be substantially lower than at an out-of-network facility. Second, because we have a direct relationship with your insurance company, we handle all the billing and paperwork directly, which minimizes stress and administrative burden for you and your family.
Conversely, an out-of-network provider does not have a contract with your insurer. While your plan might still cover a portion of the cost, your financial responsibility will be much higher, and the billing process is often more complicated. Our admissions team will confirm your in-network status during the verification call.
How Do I Verify My Insurance Coverage at Discovery Point Retreat?
We have made the insurance verification process as simple and seamless as possible. Our team of experienced admissions counselors is trained to work directly with insurance companies to get you clear, accurate answers about your coverage. The entire process is confidential and comes at no cost to you.
The fastest way to begin is by calling us directly at (888) 547-3077 — our team is available 24 hours a day, 7 days a week. You can also complete our secure, confidential online insurance verification form. All you need to have ready is your insurance card. Our admissions counselor will ask for your name, date of birth, and the policy and group numbers from your card, then contact your insurance provider on your behalf. We will determine your plan’s specific benefits, including your deductible, copay, out-of-pocket maximum, and the levels of care that are covered. Your counselor will then call you back — often within the hour — to explain your coverage in plain, easy-to-understand language. There are no hidden fees and no surprises.
How Do Different Insurance Plans Cover Addiction Treatment?
While most plans cover addiction treatment, the way they are structured can affect your provider choices and costs. The four most common types of health insurance plans are PPO, HMO, EPO, and POS. Understanding the differences can help you know what to expect when you call our admissions team. The comparison table below breaks down how each plan type typically works for accessing care at Discovery Point Retreat.
| Plan Type | Network Requirement | Referral Needed? | Best For |
| PPO (Preferred Provider Organization) | Can use in-network or out-of-network providers. In-network always results in lower costs. | No referral required. | Individuals who want maximum flexibility and the lowest out-of-pocket costs at an in-network facility like Discovery Point Retreat. |
| HMO (Health Maintenance Organization) | Typically requires use of providers within the plan’s specific network. | A referral from your Primary Care Physician (PCP) may be required. | Individuals who prioritize lower monthly premiums and are comfortable working within a defined provider network. |
| EPO (Exclusive Provider Organization) | Must use providers within the plan’s network. Out-of-network services are generally not covered. | No referral required for specialists. | Individuals who want lower premiums than a PPO and do not need out-of-network coverage. |
| POS (Point of Service) | A hybrid of HMO and PPO. Can use out-of-network providers, but at a higher cost. | Referral from a PCP is typically required to see specialists. | Individuals who want some flexibility to go out-of-network while still having a primary care coordinator. |
What Levels of Care Does Insurance Typically Cover?
Most insurance plans with substance use disorder benefits will cover the full continuum of care at Discovery Point Retreat, based on a determination of medical necessity by our clinical team. This means your coverage is not simply a flat number of days — it is determined by your individual clinical needs and the level of care required to keep you safe and support your recovery.
Medical Detox is typically covered as an inpatient level of care, as it requires 24/7 medical supervision and monitoring. Residential Inpatient Treatment is covered for individuals who require a structured, immersive environment to address the psychological and behavioral aspects of addiction. As you progress in your recovery, Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) provide a step-down level of care that allows you to continue receiving robust clinical services while gradually reintegrating into daily life. Our clinical team will work directly with your insurance provider to authorize the appropriate level of care at each stage of your treatment.