Verify Your Insurance for Inpatient Rehab Placement
How Insurance Verification Works
When you call (973) 567-6965, a placement advisor takes your plan name, member ID, group number, and date of birth. That information goes through a real-time verification of benefits. Within 10–20 minutes the advisor reports back: what level of care your plan covers (detox, residential, PHP, IOP), your plan's out-of-network versus in-network differential, your deductible remaining for the year, your out-of-pocket maximum, and any preauthorization steps. There is no cost and no commitment — you're free to hang up and go elsewhere with the information.
Which Carriers Do You Verify?
All major commercial PPO and POS plans including Horizon Blue Cross Blue Shield of New Jersey, AmeriHealth New Jersey, Aetna, Cigna, UnitedHealthcare, Oxford, Anthem (out-of-state PPO), Blue Cross Blue Shield plans from other states with out-of-network benefits, and most self-funded ERISA plans. We do not process publicly funded insurance — this is a commercial-insurance placement service.
What Does a Verification Actually Tell You?
A complete verification of benefits gives you: in-network vs out-of-network deductibles (and how much of each is met YTD), inpatient per-admission or per-day cost-share, coinsurance percentages after deductible, out-of-pocket maximum, any medical-necessity review or preauthorization required, whether detox and residential are authorized separately, and whether mental-health-carve-out vendors (like Optum or Beacon) handle the review. That set of numbers is what determines what you'll actually pay.
What If My Plan Denies Preauthorization?
Under NJ A2031, any SUD utilization review must use ASAM criteria. If a carrier denies preauthorization citing medical-necessity grounds that conflict with ASAM, the denial is appealable. The NJ Department of Banking and Insurance operates a Parity Appeals office at (609) 777-9470. Inpatient programs in our referral network routinely file appeals with ASAM clinical documentation; denials are frequently overturned.
Ready to Talk to a Placement Advisor?
Placement advisors verify insurance in minutes and connect you with licensed inpatient programs — 24/7, no obligation.
Frequently Asked Questions
Is the insurance check really free?
Yes. There is no charge and no obligation. Verification is a standard front-office task. We run it as a courtesy because most callers don't know what their plan actually pays for.
Will my insurance company know I called a rehab referral line?
Verification of benefits does show up as an inquiry on your plan, but it does not generate a claim and does not disclose a diagnosis. The inquiry itself is not visible to your employer or anyone else.
What if I have two insurance plans?
That's common for spouses and dependents on dual-income households, and for people with a primary plan plus a commercial supplement. Our advisor verifies both — secondary insurance can substantially reduce your out-of-pocket share.