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Admissions • Step 2

After Insurance Verification

After we verify your benefits, we call you back with your coverage in plain language: what is covered, your deductible status, your estimated out-of-pocket cost, and whether pre-authorization is needed.

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What should I expect: after insurance verification?

After we verify your benefits, we call you back with your coverage in plain language: what is covered, your deductible status, your estimated out-of-pocket cost, and whether pre-authorization is needed. Then you decide. If you move forward, we schedule admission and handle authorization with the insurer.

Key takeaways

  • We appeal. Our utilization team handles peer-to-peer reviews with the insurer's medical director.
  • Any deductible or copay is explained before admission.
  • Yes. Verification creates no obligation.

The callback

Usually within one hour during business hours, and by the next morning for overnight submissions. We explain your benefits in numbers you can act on, not insurance jargon.

Pre-authorization

Most plans require authorization for detox, inpatient, and PHP. Our utilization review team submits the clinical justification and gets approval, typically the same day.

If coverage is limited

We tell you before you commit. Options include a different level of care, a payment plan, or single-case agreements with out-of-network insurers.

Scheduling

Once you say yes, we set an admission date and time, arrange transportation if needed, and send a packing list and pre-admission checklist.

Medically reviewed by the Courage Recovery Network Clinical Team. Last updated 2026-09-29. This page is for educational purposes and does not replace an individual clinical assessment. Call (888) 614-7778 for a confidential evaluation.

Frequently Asked Questions

What if my insurance denies coverage?

We appeal. Our utilization team handles peer-to-peer reviews with the insurer's medical director. Denials are often overturned.

Do I pay anything up front?

Any deductible or copay is explained before admission. We do not surprise clients with costs.

Can I change my mind after verification?

Yes. Verification creates no obligation.

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Takes 60 seconds. We call you back with your coverage.

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