Rehab Insurance Coverage in New Jersey

Many insurance providers pay for some or all of the cost of professional rehab treatment at The Recovery Village Cherry Hill at Cooper. We are in-network with plans including Aetna, Cigna, UnitedHealthcare/Optum, Horizon Blue Cross Blue Shield of New Jersey, AmeriHealth and Magellan, and our Recovery Advocates can check your benefits before you commit to anything.

Our online insurance verification tool is HIPAA-compliant, so your information stays completely confidential. Prefer to talk? Call (856) 890-9449. Our admissions team is available 24/7, and same-day admission is available.

How insurance verification works

Checking your coverage takes one call or one online form, and there is no commitment.

  1. Call us or start online. Call (856) 890-9449 at any hour, or use our online insurance verification and pre-assessment form.
  2. We check your plan. A Recovery Advocate will confirm whether our facility is in-network with your plan, take you step by step through your benefits, go over your copays, deductible and out-of-pocket maximum, and contact your insurance provider on your behalf if necessary.
  3. Pre-assessment. We ask about your current living situation, substance use history, medical history, family history of addiction and your health insurance plan, so we can confirm our programs are the right fit.
  4. Admission. Once your insurance is verified, we advise a treatment plan for your situation, help you choose an admission date and help with travel arrangements if needed.

We work directly with your insurance provider to confirm coverage, deductibles and any out-of-pocket expenses, so you know your costs before you arrive. Read more about our admissions process.

In-Network Providers

Insurance plans in our network

The Recovery Village Cherry Hill at Cooper is in-network with the plans below. Select a plan to see how it may cover detox, inpatient rehab and other care at our Cherry Hill, NJ facility.

Don’t see your plan? Call (856) 890-9449. A Recovery Advocate can contact your insurance provider on your behalf and tell you what your plan covers.

Veterans: The Recovery Village Cherry Hill at Cooper is a private addiction treatment center in the VA Community Care Network (CCN). Our Veteran Advocates can help you check your Community Care eligibility. See Optum Serve and VA Community Care coverage and our rehab program for veterans.

We work directly with your insurance provider to confirm coverage, deductibles, and any out-of-pocket expenses. Call us to discuss your exact out-of-pocket costs – no commitment required. 

Understanding Insurance Coverage for Drug & Alcohol Rehab

Insurance can get confusing which is why we created this video to break down everything you need to know about using your insurance to cover addiction treatment.

You can also call (856) 890-9449 anytime to have a Recovery Advocate review your specific plan.

Adult receiving support during addiction treatment, editorial stock photo

Find Out if You’re Covered

Go over your insurance coverage with a Recovery Advocate.

Paying for Rehab Without Insurance

Not having health insurance or enough coverage shouldn’t prevent you from getting the treatment you need. The Recovery Village Cherry Hill at Cooper also offers private pay options. 

If we are not right for your treatment, our admissions team can refer you to other treatment facilities that can take your insurance or meet your financial needs. These facilities can help you navigate medical coverage, payment plans, medical loans, or government grants.

Insurance Vocab for Addiction Treatment

Person coping with a mental health condition, representing the topic of this article

Our rehab insurance verification system estimates your in- and out-of-network coverage in seconds. Here are some terms that can help you better understand this complex information:

This is the amount you pay for covered health care services in a given plan year before your insurance starts to pay for them. For example, if you have a $3,000 deductible, you pay for the first $3,000 of covered services yourself. Once you’ve spent $3,000 on covered health care services, you only have to pay coinsurance and copayment costs — your health care plan will cover the rest.

A copayment is the fixed amount you are required to pay for a covered health care service, like a doctor’s office visit or a trip to the emergency room. Copayments may take effect before or after your deductible is paid, depending on your health insurance plan. This information is not shown on our health insurance verification form.

Your coinsurance fee is the percentage of the cost of a covered health care service that you must pay once your deductible is paid in full. For example, if you’ve paid your deductible, the allowed amount for a doctor’s visit on your plan is $100, and your coinsurance is 20%, you will pay 20% of $100, or $20.

This is the maximum amount of money you are required to pay for covered services in a given plan year. Once your out-of-pocket maximum amount is spent on deductibles, copayments and coinsurance fees, your health care plan pays 100% of any additional costs of covered health care services.

This is the day your insurance company begins to help pay for your health care costs. Enrollment in a health insurance plan must be done either during the open enrollment period, usually held for a set amount of time once a year, or during a special enrollment period. Special enrollment periods begin after a qualifying event, like marriage, the start of a new job, the birth of a baby or the loss of health care coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.

Verify your benefits

Call us to discuss your exact out-of-pocket costs, with no commitment required. Recovery Advocates answer 24 hours a day, 7 days a week.

Call (856) 890-9449   Verify insurance online

Your insurance can help pay for treatment at our Cherry Hill campus, including drug rehab in Cherry Hill, alcohol detox in NJ and alcohol rehab. See our addiction treatment center before you arrive.

Insurance questions we hear often

Does health insurance cover drug and alcohol rehab?

Often, yes. Many insurance providers pay for some or all professional rehab treatment costs at The Recovery Village Cherry Hill at Cooper. What you pay depends on your plan’s deductible, copays or coinsurance, out-of-pocket maximum and whether the provider is in-network.

Which insurance plans are you in-network with?

Our in-network list includes Aetna NJ, Aetna Maryland, American Behavioral Services, BCBS NJ Dual Medicaid/Medicare, Cigna Evernorth NJ, First Health, Front Path, Horizon BCBS NJ, Humana, IBC and AmeriHealth, Magellan Healthcare NJ, Multiplan, Optum VA CCN Network, Oscar Health, UHC Optum National Group and UHC/Optum National Facility. Aetna Better Health Medicaid, BCBS NJ Medicaid and Optum NJ Medicaid cover medical detox only here. If your plan is not listed, call us and we will check it for you.

What will a Recovery Advocate check when I call?

They will confirm whether our facility is in-network with your plan, walk you through your benefits step by step, go over your copays, deductible and out-of-pocket maximum, and contact your insurance provider on your behalf if necessary.

Is insurance verification confidential?

Yes. Our online insurance verification tool is HIPAA-compliant, so your information stays completely confidential.

What types of care can insurance cover?

Depending on your plan, covered care may include medical detox, inpatient rehab, intensive outpatient treatment and aftercare. Many plans also include benefits for treating co-occurring mental health conditions alongside addiction. Coverage details depend on your plan type, network rules and whether prior authorization is required.

Does insurance cover medication-assisted treatment (MAT)?

It may. Many plans, including Aetna and Cigna plans, can cover medication-assisted treatment for alcohol and opioid use disorders, depending on the plan and your treatment needs.

How long will my insurance cover treatment?

It varies by plan. The length of covered treatment is often based on medical necessity and ongoing clinical review, so your Recovery Advocate will explain what your plan allows before you start.

I’m a veteran. Can I use VA Community Care for rehab?

Veterans who meet certain criteria can use the VA Community Care Network, which Optum Serve helps coordinate, for drug and alcohol rehab. The Recovery Village Cherry Hill at Cooper is part of the VA Community Care Network. Learn more on our Optum Serve coverage page.

Your Recovery Begins Here

Whether you or a loved one is struggling with addiction. Give us a call today to take the first step.

OUR LOCATION

The Recovery Village Cherry Hill at Cooper

761 Cuthbert Blvd. Cherry Hill, NJ 08002

(856) 890-9449

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