Step 1 · Insurance
Verify your benefits.
One call to admissions, 10–20 minutes, no charge, no obligation. We confirm what your specific plan covers — covered levels of care, deductible status, copays, prior auth — and walk you through what your costs would look like.
What we verify
Everything you need to decide.
When you call, we run a real-time verification directly with your insurance carrier. By the end of the call you know:
- Network status at SILC. Whether your plan considers a specific SILC facility in-network or out-of-network, and what that means for what you pay.
- Covered levels of care. Whether your plan typically covers detox, residential, PHP, IOP, and outpatient — and any limits, day caps, or step-down requirements.
- Deductible status. Where you are on your deductible right now, and what's left before insurance starts paying its share.
- Copay and coinsurance. What percentage of treatment costs your plan covers and what percentage you'd be responsible for after deductible.
- Prior authorization requirements. Whether your plan requires pre-authorization and how the SILC clinical team handles that with your carrier.
- Single-case agreement / gap exception options. Whether alternative coverage paths could apply for your specific case.
Major insurers
Some plans we work with.
Commercial
Aetna
Aetna typically covers medically necessary substance use and mental health treatment under federal parity law.
Commercial
Anthem Blue Cross Blue Shield
Anthem and BCBS plans typically cover medically necessary behavioral healthcare across all levels of care.
Commercial
Cigna
Cigna typically covers medically necessary substance use and mental health treatment under federal parity law.
Commercial
UnitedHealthcare
UnitedHealthcare typically covers medically necessary behavioral health treatment through Optum Behavioral Health.
Commercial
Surest
Surest is a UnitedHealthcare-owned employer plan with a copay-only structure — no deductible, no coinsurance, copays known upfront.
Commercial
ConnectiCare
ConnectiCare covers medically necessary substance use and mental health treatment under federal parity law.
See the full list → or call admissions to verify any plan, listed or not.
FAQ
Common questions.
How much does it cost to verify my benefits?
Nothing. Benefits verification is free, and there is no obligation to enter treatment after we check. You get a clear picture of what your specific plan covers — covered levels of care, deductible status, copays, prior auth requirements — and you decide where to go from there.
How long does a verification call take?
Typically 10–20 minutes. We collect your insurance information, run the verification directly with your carrier, and walk you through what we find — usually on the same call. For complex cases (out-of-network, carve-outs, multi-carrier plans), we may need to call back within a few hours.
What do I need to have ready?
Your insurance card (front and back, photo is fine) and the cardholder's date of birth. If the cardholder is someone other than you — a parent or spouse — we'll need their info too. Nothing else.
Will my insurance be told I called?
Benefits verification calls don't create a claim and don't show up on your insurance record as treatment. We're confirming what's covered, not initiating care. If you decide to enter treatment, then claims start — but the verification call itself stays private.
What if my plan isn't on your list?
We work with members of any commercial insurance plan, not just the ones with dedicated pages on our site. Many plans we don't list still offer meaningful coverage, especially for PPO/POS plans with out-of-network benefits. Call us and we'll verify whatever you have.
What if I have Medicaid or Medicare?
Coverage varies significantly by state, plan, and program. We can verify what your specific Medicaid or Medicare Advantage plan covers and explain what your options look like. Some SILC facilities accept certain Medicaid managed care plans; others are commercial-only.
What if I don't have insurance?
Private-pay options exist at SILC and many of our partner facilities. We're transparent about pricing, offer payment plans, and can help identify financing options when relevant. Some facilities have limited charity or sliding-scale slots — we'll tell you honestly whether any of these fit your situation.
Next step in admissions:
Paying for treatment →