How insurance typically covers addiction treatment
Types of insurance plans that pay for rehab
Beach House Center for Recovery works with a wide range of insurance plans, including:
- PPOs
- HMOs
- EPOs
- Employer-based plans
While coverage varies, our team helps patients navigate the process so you can focus on care, not paperwork.
What’s usually covered: detox, residential, dual diagnosis, therapy
Most insurance plans cover medically necessary services, such as:
- Medically supervised detox
- Structured residential treatment
- Dual diagnosis care (addressing mental health and substance use at the same time)
- Individual, group and family therapy sessions with licensed clinicians
Why coverage varies by provider network and medical necessity
Insurance coverage depends on the provider network, plan type and medical necessity. In-network providers are usually covered at a higher rate and insurers require proof that treatment is medically necessary. This can make coverage different for each patient.
Our admissions team at Beach House Center for Recovery ensures each patient receives a clear understanding of what’s covered and works to minimize any out-of-pocket costs. We:
- Provide free, immediate insurance verification
- Maximize what your plan will cover
- Offer flexible self-payment plans (if needed)
- Accept a wide range of financing options (e.g., credit cards, healthcare credit cards, personal loans, home equity loans, etc.)
Why December is the best time to start addiction treatment
Most deductibles reset January 1st — meaning lower out-of-pocket costs now
Most insurance deductibles reset at the start of the year, meaning your deductible, out-of-pocket maximum and other limits reset to zero. This means you must start paying towards them again.
Beginning treatment in December lets you use the benefits you’ve already earned, which can help lower your out-of-pocket costs for detox, residential care and therapy.
Many patients have already met their deductible by December
By the end of the year, many patients have met their annual deductible, meaning their insurance may cover most (if not all) treatment costs. This can make starting care more affordable, even during the holiday season.
Maximizing insurance benefits before they expire
Some insurance plans limit how many behavioral health services you can use each year (and any leftover benefits usually don’t carry over). Starting treatment in December helps you make the most of what’s available.
Insurance enrollment periods & plan transitions at year’s end
Many insurance plans update or change their coverage and benefits at the end of the year, and open enrollment can affect what’s included. Starting rehab treatment in December helps you avoid potential delays from these changes and ensures you can get the care you need without delay.
Financial benefits of starting rehab before the new year
How out-of-pocket savings can be significant in December
Patients often save thousands of dollars by beginning treatment in December.
This is especially true for residential programs, where insurance can cover a substantial portion of the cost (if deductibles have been met).
Using remaining FSA/HSA funds on eligible treatment costs
Year-end is also a great time to use any remaining funds in your flexible spending account (FSA) or health savings account (HSA) before they expire.
These accounts can help cover rehab costs with insurance (or without) for eligible treatment costs, such as detox, residential care, therapy or dual diagnosis. By combining your insurance coverage with these pre-tax funds, you can lower out-of-pocket costs and start recovery without added financial stress.
Avoiding January delays due to high treatment demand
Residential treatment spots are often in high demand after the new year. Beginning in December allows patients to secure their place before the rush, so they can start recovery right away.
How to verify your insurance for rehab
The information you’ll need to check benefits quickly
Verifying your insurance coverage for drug and alcohol treatment at Beach House Center for Recovery is quick, free and confidential. Our admissions counselors are here to help and can usually complete verification in under 45 minutes.
Here’s what you’ll need to confirm your coverage:
- Your insurance provider’s name
- Your member ID number
- Your policyholder’s name and date of birth
What Beach House Center for Recovery admissions specialists look for
Our admissions team guides you through the insurance verification process step-by-step. They check your network status, benefits for detox, residential and dual diagnosis care and any estimated out-of-pocket costs.
They also confirm whether your plan requires pre-authorization and review any limits or requirements for behavioral health services. If coverage is limited, they can explain our self-pay or flexible financing options, helping you focus on getting care without financial stress.
How pre-authorization works for detox and residential care
Many insurance plans require pre-authorization before covering detox or residential treatment. At Beach House Center for Recovery, our admissions team helps patients through this process every step of the way.
We verify your insurance coverage and benefits, then submit any necessary medical information and paperwork to confirm medical necessity. This ensures your authorization is handled efficiently, so you can focus on starting treatment without unnecessary delays.
Understanding in-network vs. out-of-network at Beach House Center for Recovery
In-network providers often mean lower out-of-pocket costs for you because the insurance company has negotiated lower rates. This contracted pricing typically covers a larger portion of care, helping reduce what you pay.
We accept many PPO and HMO plans in Florida, making treatment more affordable for in-network patients.
However, you can still receive care at Beach House Center for Recovery even if your plan is out-of-network. Our skilled admissions team will guide you through your coverage, estimate costs and explore options to make treatment as affordable as possible.
What addiction treatment looks like at Beach House Center for Recovery
Medical detox and 24/7 clinical support
During detox, patients at Beach House Center for Recovery receive round-the-clock care from highly skilled, licensed clinicians.
Every step of the withdrawal process is guided with compassion and dignity, helping patients feel safe, supported and respected as they begin their journey to recovery.
Residential treatment with evidence-based therapies
Our 30–35 day residential program provides a structured, supportive environment where patients can focus fully on healing. Licensed clinicians offer evidence-based therapies, including cognitive behavioral therapy (CBT) and dialectical behavior therapy (DBT), in individual, group and family sessions.
For many, a longer, 90-day program may be recommended to provide adequate time for mental health stabilization, dual diagnosis care and developing lasting coping skills. According to the National Institute on Drug Abuse (NIDA), treatment lasting 90 days or longer is associated with better long-term outcomes compared to shorter stays.
Regardless of program length, every aspect of treatment is designed to support your unique recovery needs and goals. Our skilled team will help you build a strong foundation for mental health and prepare you for success after treatment ends.
Mental health and dual diagnosis care
Nearly half of the people who have a serious psychiatric illness also have a co-occurring substance use disorder. At Beach House Center for Recovery, our licensed clinicians integrate dual diagnosis care, ensuring addiction and mental health are treated at the same time, optimizing outcomes.
Long-term recovery planning and alumni support
We understand that recovery doesn’t end when patients leave residential care.
That’s why our treatment programs emphasize aftercare planning and ongoing support, helping patients transition safely back to daily life for as long as it’s needed, ensuring patients have a strong network to maintain long-term recovery.
When to consider starting treatment immediately
Signs your substance use needs urgent intervention
You may need prompt care if you notice any of the following:
- Difficulty controlling your substance use
- Experiencing withdrawal symptoms when not using
- Health problems caused by substance use
- Strained or damaged relationships with family, friends or coworkers
- Trouble meeting work or school responsibilities
- Legal or financial issues related to substance use
- Mood changes, anxiety or depression worsening alongside substance use
Recognizing these signs early and acting quickly can prevent complications and improve the chances of successful recovery.
When insurance may require prompt admission
Some insurance plans require that medically necessary treatment begin quickly to approve coverage.
This means if your provider delays admission, insurance may not cover part or all of your care. At Beach House Center for Recovery, our admissions team helps patients submit all required documentation and approvals so treatment can start without unnecessary delays.
Why waiting until January can lead to higher costs or delays
Starting treatment in January can mean:
- Higher out-of-pocket costs because deductibles reset at the start of the year
- Longer wait times since residential programs often fill quickly after New Year’s
- Reduced availability of rehab insurance benefits if your plan limits annual services
By beginning in December, patients can avoid these challenges, maximize end-of-year insurance coverage and start recovery when they are ready. Contact our admissions team today and begin your journey toward recovery and wellness.
Frequently asked questions
Does insurance really cover detox and residential treatment?
Most major insurance plans, including PPOs, HMOs and employer-based plans, cover medically necessary detox and residential addiction treatment. Coverage may vary based on network status, plan benefit and medical necessity criteria.
At Beach House Center for Recovery, our admissions team works closely with patients to clarify coverage and maximize benefits.
How do I know what my out-of-pocket costs will be?
Out-of-pocket costs depend on your deductible, coinsurance, copays and plan limits. We provide a personalized estimate after verifying your insurance, helping you plan financially and avoid unexpected expenses.
Patients who start treatment in December may benefit from lower costs if their deductible has already been met.
What if I haven’t met my deductible yet?
Even if your deductible is not fully met, starting treatment in December allows you to use remaining coverage for partial savings and apply FSA or HSA funds to reduce expenses.
Your admissions specialist will guide you through your options and help schedule care efficiently.
Can I start treatment now and finish it next year?
Yes. Many patients begin residential or dual diagnosis treatment in December and continue into the new year. This approach can help you secure your spot, use available insurance benefits before they reset, and avoid delays in January due to higher demand.
How quickly can Beach House Center for Recovery verify my insurance?
Our admissions counselors can usually complete verification in under 45 minutes. Our team confirms insurance for detox and residential treatment, therapy and any dual diagnosis services, ensuring a smooth admissions process.
What if I don’t have insurance at all?
We provide support for self-pay options, including financing plans and other resources to make treatment accessible. Our admissions team helps patients explore all available options to start care without unnecessary delays.
