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
Key Takeaways: Cigna covers rehab for substance use disorders under federal mental health parity law, including detox, residential, PHP, IOP, and outpatient
Key Takeaways: The admissions process is structured and fast. Royal Life Centers at Cascade Heights walks every guest through five clear steps—initial
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