Most clients pay little to nothing out of pocket. We accept most major PPO plans and verify benefits in minutes.
Courage Recovery Network accepts Anthem Blue Cross Blue Shield, Cigna, Aetna, UnitedHealthcare, UMR, Surest, GEHA, Independence Blue Cross, and most major PPO plans. Under federal parity law, most plans cover detox, inpatient, PHP, IOP, and outpatient care when medically necessary. Submit the verification form and our team confirms your exact coverage.
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.
Anthem BCBS is one of the largest carriers in California, Virginia, and Nevada.
Coverage Details →
Cigna behavioral health benefits are managed through Evernorth.
Coverage Details →
Aetna covers medically necessary addiction and mental health treatment under the Mental Health Parity Act.
Coverage Details →
UnitedHealthcare behavioral benefits are administered through Optum.
Coverage Details →
UMR is a third-party administrator owned by UnitedHealthcare that manages self-funded employer plans.
Coverage Details →
Surest is a UnitedHealthcare plan with no deductible and upfront copays.
Coverage Details →
GEHA serves federal employees, retirees, and their families under the FEHB program.
Coverage Details →
Independence Blue Cross members can use Blue Card national coverage at Courage Recovery Network locations across the country.
Coverage Details →Yes. Under the Mental Health Parity and Addiction Equity Act and the Affordable Care Act, most health plans must cover substance use and mental health treatment as an essential health benefit. Coverage varies by plan, so we verify your specific benefits before admission.
Fill out the verification form on this page with your name, date of birth, insurance company, and member ID. Our admissions team checks your benefits and calls you back, usually within an hour, with your coverage details and any out-of-pocket estimate.
No. Your treatment is protected by HIPAA and 42 CFR Part 2, which provides additional confidentiality for substance use treatment records. Your insurer does not report claims to your employer.
Call (888) 614-7778. We work with many plans not shown here and can often confirm out-of-network benefits or single-case agreements.
Coverage varies by state and location. Call us to discuss your plan; we will tell you directly what we can and cannot accept.
One call can change everything. Our admissions specialists are available around the clock. No judgment, no pressure, just real answers and real options.
Available 24 hours a day, 7 days a week
🔒 All calls are 100% confidential and HIPAA protected.
Request a Confidential Assessment →