Verify Your Insurance for Rehab — Free

The average cost of seeking substance abuse treatment in New York is $56,653 — but with insurance, most people pay only their deductible and co-insurance. Under New York State law, your insurer cannot require prior authorization for in-network inpatient SUD treatment. Knowing your specific coverage takes about 15 minutes and costs nothing.

How insurance verification works

When you call (347) 774-4514, a placement advisor will ask for your insurance card information (carrier name, member ID, group number) and the name of the insured. We contact your insurer's provider relations line, verify your benefits for inpatient SUD treatment, and identify the facilities in your network that have available beds. We'll give you a concrete out-of-pocket estimate — deductible remaining, co-insurance percentage, out-of-pocket maximum — before you make any decision. The call takes 15–20 minutes.

What information do I need to have ready?

Have your insurance card available. We'll need the carrier name (e.g., Aetna, BlueCross, UnitedHealthcare), your member ID number, your group number if listed, and the name of the primary insured. If the coverage is through an employer, knowing the employer name can help if the carrier isn't immediately recognizable on the card. You do not need to have decided on a program or made any commitments to call for verification.

What you'll learn on the call

• Your in-network options — which OASAS-licensed inpatient programs accept your plan.
• Your out-of-pocket exposure — remaining deductible, co-insurance %, and out-of-pocket maximum.
• Bed availability — which programs have openings in the next 24–72 hours.
• Next steps — a concrete admission plan only if you decide to proceed.

Under New York Insurance Law, inpatient SUD treatment at in-network, OASAS-certified programs cannot require prior authorization — which means treatment can begin the same day in most cases. Call (347) 774-4514.