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Key Takeaways: Federal parity law (MHPAEA) makes coverage the legal default. Most health insurers are legally prohibited from imposing more restrictive limits

Key Takeaways: In-network and out-of-network deductibles run on separate tracks — meeting one does not reduce what you owe toward the other,

Key Takeaways: Four numbers determine your cost: Your deductible, coinsurance rate, copay, and out-of-pocket maximum together determine what you’ll actually pay for

Key Takeaways: A denial is not final. Insurance companies deny prior authorization for inpatient rehab regularly, but federal and Washington State law

Key Takeaways: Most commercial insurance plans cover inpatient rehab, and federal law—through the MHPAEA and the ACA—requires that substance use disorder treatment

Key Takeaways: Federal law—specifically the Mental Health Parity and Addiction Equity Act and the Affordable Care Act—requires most health insurance plans to

Key Takeaways: TRICARE covers inpatient rehab and medical detox when medical necessity is documented and pre-authorization is obtained before admission — both

Key Takeaways: TRICARE covers alcohol rehab as a medical benefit. Alcohol use disorder is a recognized, diagnosable condition under TRICARE’s behavioral health

Key Takeaways: TRICARE Prime requires a PCM referral for substance abuse treatment; TRICARE Select does not. Knowing which plan you hold determines

Key Takeaways: UnitedHealthcare covers rehab across all three major plan types — employer-sponsored, Marketplace (ACA), and Medicare Advantage — but the specific