Paying for Treatment With Insurance

Finances should never stand in the way of getting mental health care or treatment for drug or alcohol addiction. Substance addiction is a challenging and sometimes life-threatening condition that can affect anyone, regardless of their financial situation.

The team at Lumina Recovery is committed to helping you get the care you need. Our Los Angeles rehab centers work with several insurance carriers out of network and will do everything possible to help you get as much covered as possible.

Whether you plan to use insurance for addiction treatment or need a customized payment plan, our dedicated team will work with you to find the best financial solution for your situation. 

What Insurance Plans Must Cover

Under the Affordable Care Act (ACA), all plans sold through the health insurance exchanges (such as Covered California) must cover mental health disorders, substance use disorders, and treatment for alcohol and chemical dependency.

Additionally, federal law states that if a plan offers coverage for mental health and substance use disorder treatment, it must cover these services in the same way as it covers most medical and surgical services. This is called “parity.”

California law offers additional protections by requiring every California plan—regardless of where you obtained it—to cover certain mental health conditions.

While most individual and employer-based group insurance plans today provide some coverage for mental health and substance abuse treatment, not all do. It’s important to verify your benefits by calling your insurance company.

We know it can be confusing to navigate insurance benefits. Our staff will help you make sense of your plan and get the maximum amount of coverage you are entitled to.

The ACA protects you in many ways; however, it does not guarantee that Lumina Recovery works with your insurance. The best way to find out is to contact us.

Insurances We Accept

Lumina Recovery works with several insurance providers out of network, such as Aetna, Blue Cross Blue Shield (BCBS), and Cigna.

While some insurance plans don’t cover costs with out-of-network providers, others may cover a portion of out-of-network treatment costs. It all depends on the plan.

Our helpful administrative team will help you understand what your insurance plan covers. We will do everything possible to ensure you get the maximum amount of coverage you are entitled to.

Contact us to verify treatment or complete this insurance verification form. Learn about other ways to pay for treatment.