02/06/2026
Insurance is a tool. Here is how to use it effectively for your recovery in 2026:
1. Verify Your Benefits Immediately
Do not assume you know your coverage. Plans change year to year. You may have new exclusions or new benefits for 2026. Use our free insurance verification tool to get a clear, no-obligation picture of what your specific plan covers for substance use and mental health treatment.
2. Utilize FSA and HSA Funds
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) allow you to use pre-tax dollars to pay for your deductible, co-pays, and even travel to treatment. This effectively gives you a discount equal to your income tax rate. Check your balances early in the year and plan accordingly.
3. Understand “Medical Necessity”
Insurance companies pay for care that is deemed “medically necessary.” This is why our clinical team conducts a thorough assessment. We document your symptoms, history, and needs to demonstrate to the insurer that the level of care we recommend (whether IOP or residential) is necessary for your safety and recovery.