Oscar Insurance Coverage for Drug Rehab & Addiction Treatment
Discover how Oscar Insurance covers addiction treatment, mental health care, and virtual services. Learn about plan types, benefits, and options.
Oscar Insurance Coverage for Drug Rehab & Addiction Treatment
Discover how Oscar Insurance covers addiction treatment, mental health care, and virtual services. Learn about plan types, benefits, and options.
Oscar Insurance was started in 2012 and is a healthcare technology company that uses proprietary software and an online platform to connect with its customers. They have 1.5 million members in 18 states.
Oscar focuses on providing virtual medical care, so customers are encouraged to use the website or app to find providers, get prescriptions refilled, and contact their Virtual Care Team. The company also has a limited network of in person care providers.
Oscar Insurance prioritizes diversity, inclusion, and belonging. It is a majority female company. In addition, they offer yearly grants of $150,000 to organizations across the United States that are committed to serving underserved communities.
If you’re checking out various recovery programs, you can learn more about rehab options to see what fits your coverage.
By Michelle Tavares
Michelle Tavares is a registered nurse with over 15 years of experience in mental health nursing. She has worked in inpatient and outpatient settings as well as in bedside and administrative roles. She is a fighter of stigma and an advocate for getting people the mental health services they need.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
This is an ad and Banyan Heartland is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I have been in the DARKEST place for so long. Symetria was my saving grace. My counselor Callie (my saving grace) showed me that I actually really do matter and gave me a sense of belonging for the FIRST time in my life! She truly cares and has helped me in so many ways that I can't thank her enough. If it weren't for her, I'm not sure where I'd be in life right now without her. Ms Callie, if you see this, thank you again. To all of the concerned mothers/fathers out there, I promise you, this is the best methadone clinic in the United States. Thank you for taking the time to read my comment, I promise I wouldn't steer you the wrong direction. <3 Please take into consideration coming to Symetria. I finally have hope.
Madi Murphy
1 month ago
This place is great. The entire staff had always been excellent
bryan harris
1 month ago
This is the most helpful kindness place I have ever been. Never been more comfortable with what I've been so ashamed of. Karen and her team welcomed me and gave me strength and hope to getting better. My journey has just begun with the help of these lovely people. I can start living my life again. I recommend anyone if you are having trouble with getting back to sobriety please come here for help. They will be here for you and help you. Please they here are a god send.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Glad I came here to get help with my mental health. Employees really care about everyone and want to help you get better. The facility is clean and very nice. Highly recommend
Patrina Avila
4 weeks ago
nice and friendly staff who put client care first and super nice and clean facility
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This is an ad and Able2Change Orange County Drug & Alcohol Rehab is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Great place. Learned a lot. Very good staff. If you are serious about changing your life, this is an amazing place to start.
Joshua Lang
3 weeks ago
Eagle Creek Ranch Recovery in hands down the most effective treatment center in the country. The detox was comfortable. The programming, groups and clinical staff are top notch and truly helped me discover who I am. Adventure outings were incredible! The chef and his cooking are extraordinary and that guy should have his own restaurant! The setting is beautiful and all of the staff were amazing. The owners were hands on day in and day out and truly care about the whole person. If you or a loved one is looking for help, make the call, please!
Corey Smith
4 weeks ago
Best treatment facility ever ❤️ amazing food, caring staff and a great couple of owners.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental HealthMental Health And Substance Abuse
Adult ProgramSeniors ProgramLGBTQ Program
Private insuranceSelf-pay options
Todo fue especial. Muy agracecido con todo el personal. Todos muy amables comprometidos. Muchas gracias
Michael Gordillo
1 week ago
Haven Detox ha sido un lugar de bendición para nuestro familiar. Todos sus empleados, desde terapias, trabajadores sociales, médicos, los cocineros y todo el personal en general tiene la vocación y la empatía para hacer más q su trabajo, hacen que se sientan en familia. No tengo como agradecer el cambio q hemos obtenido.
Es el mejor lugar para tratar la adicción de un ser querido! Que DIOS los siga usando de forma poderosa!!! Gracias Josefina por ser la persona que nos ayudó a llegar a este lugar!
BlancaPor Perez
1 month ago
El mejor lugar para tratar la adiccion de un ser querido. Un excelente grupo de profesionales que hacen mas q su trabajo, es su vocacion. Recomendado al 100% El mejor centro en Puerto Rico. Mi agradecimjento a Josefina q fue la persona contacto en Puerto Rico, quien con mucha paciencia y amor nos facilito llegar a este lugar maravilloso
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Best treatment facility in Lincoln, I've been there 2x and I have very close friends & family that have been in recovery since they completed treatment there. I wish they took medicare or medicaid though...
a p
4 years ago
My husband went through the independence center over 30 years ago. He did relapse after the first 3 months but he did not attend any aftercare or AA. Within a year he started going to AA and has been sober for almost 35 years. My son has also been through the independence center twice with varied success. He has had relapses but maintained sobriety for the majority of the time. He has used the tools he learned there to get sober again after relapsing without having to reenter treatment. The program will work for you if your honest with yourself and do the work. Good luck and god bless!
Judy Diller
4 years ago
When you are ready, you are ready. I did three rehabs in the span of three summers and I’ve been sober a year and a half since going to the Independence Center.
The ENTIRE staff wass genuinely interested in my recovery. Of course it’s up to me how honest I want to be with my counselor, Chaplin and myself (and God), but their unwavering encouragement doesn’t hurt and it didn’t. The facility is much better than others I’ve been to in Nebraska and they keep the distracting extracurricular horseplay to minimum. They have a great culture and alumni in the A.A. and Lincoln communities.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Really changed my life. Feel like a completely different person leaving than when I first got here. The group facilities are fantastic and really are able to help you on a deep level. The community overall is phenomenal and recommend it to anybody who is struggling
Aiden Muska
1 week ago
★★★★★
I would highly recommend Indiana Center for Recovery. No treatment facility is perfect, and there are a few things I think could be improved, but overall my experience was very positive. In talking with residents who had been through treatment before and experienced relapses, I repeatedly heard this was the best facility they had been to. After my experience, I understand why.
The biggest area for improvement is communication. There can be a lot of redirection between staff when trying to get an answer, and expectations aren't always communicated clearly. When someone is already in a difficult place and there to heal, even small communication issues can become frustrating.
For example, there's a sign-up sheet for cleaning the lunch area that I didn't know about until I discovered I was on it. It's no big deal—about 15 minutes with several people—but knowing beforehand would help. Mail is another example: you need to check the office after sessions each day if you're expecting something. Small things, but clearer communication would make the experience easier.
A few practical recommendations: bring an inexpensive wristwatch because you won't have your phone and clocks aren't always readily available. If you smoke, you can't bring a lighter, although techs are readily available to light cigarettes. A small, dim flashlight is useful for finding things at night without disturbing roommates. A blanket can also help in a cold room or with getting comfortable in a chair.
Where Indiana Center for Recovery really shines is the people and treatment. Syndey, Greg, and Dave are excellent facilitators. Classes cover a wide range of subjects and include traditional groups along with activities such as art and music. I learned a great deal about recovery, myself, and how I look at life. They also offer acupuncture and a variety of other therapeutic activities.
The staff deserves a lot of credit. Toni, Justin, Sarah, Carter, the nursing staff, and many others do a great job. The atmosphere among both staff and residents is remarkably nonjudgmental and supportive. Everyone has a story and is working through something.
The facility has a gym, arcade, and plenty of outdoor areas for walking or sitting when the weather cooperates. Those things matter when you're temporarily removed from your normal life and routine.
Treatment isn't easy. Being away from home, without your phone and outside your normal environment, can be difficult. But Indiana Center for Recovery gives you an opportunity to step outside that environment, learn about yourself, work on what brought you there, and figure out what comes next.
I especially appreciate that treatment doesn't feel one-size-fits-all. They continually assess where you are, work closely with you, and help determine appropriate next steps for treatment, sobriety, recovery, or mental-health care.
There are communication and organizational details I would improve, but they don't outweigh the quality of the people, treatment, support, and overall experience.
For someone who genuinely wants help and is willing to participate in the process, I would absolutely recommend Indiana Center for Recovery. It earned five stars from me—not because everything is perfect, but because what matters most about the place is very good.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I’m still not sure who called who or if is all God . But one of the staff members called me and said we are coming to pick you up. I went through detox and residential. The staff and nurses have been amazing every step of the way. Made a lot of new friends. Groups are great. The place is extremely clean and organized. The chef’s are awesome. I highly suggest this facility to anyone that needs help. They have pointed me in the right direction. Now it’s on to the next chapter of my life. Thank you to all at The Haven.
JustPerformance
1 day ago
Roni is the best, staff is amazing. Place saves lives
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
AlcoholismOpioid AddictionDrug AddictionDual DiagnosisSubstance AbuseMental Health
Adult ProgramYoung Adult ProgramLGBTQ ProgramMilitary Program
Private InsuranceSelf-Pay OptionsSliding Scale Payment AssistanceFinancial Aid
ProVive demonstrates a genuine commitment to helping people through some of the most difficult periods of their lives. I am extremely impressed with ProVive Wellness and, in particular, the work being done by Michael Stackhouse. Their dedication to the veteran, military, and first responder communities deserves special recognition.
Michael’s work with veterans is especially meaningful. As a veteran himself, he brings an understanding and compassion to his outreach that cannot be manufactured. He understands the unique challenges faced by the veteran and first responder communities and does his absolute best to connect veterans with the support, resources, and care they deserve.
It is outstanding to see an organization like ProVive Wellness recognize the importance of reaching veterans and first responders where they are and having someone like Michael leading that effort. His passion his work and the communities that he serves is evident, and he is an outstanding representative of ProVive and its mission.
I highly recommend ProVive Wellness and greatly appreciate Michael and the entire staff for the important work they are doing.
Elizabeth Ryan Foundation
2 weeks ago
I had an excellent experience with Provive and would highly recommend Mike Stackhouse, who went above and beyond with his professionalism, kindness, and genuine care. Mike made a real difference in my experience and is a true asset to Provive!
tim72575
2 weeks ago
I must say, Noel and Julie made an profound impact helping me locking in the program and helping me with the things I needed. Both are still a solid part of my support everyday
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
As a community partner, it has been incredible to watch the work Never Alone has done to create a welcoming, supportive environment for adolescents during an incredibly important period in their lives. The investment in the facility itself, from renovations to amenities like the gym and movie theater, reflects a larger commitment to making young people feel valued, safe, and cared for.
What stands out even more is the programming and the people behind it. Never Alone is helping adolescents learn self-care, build confidence, develop healthy coping skills, and understand that they do not have to internalize the stigma often associated with seeking help or going through a difficult chapter.
These young people are so much more than a brief period of struggle in their lives, and they deserve the opportunity to move forward without allowing that period to define who they are or who they can become. It has been meaningful to see a program committed not only to treatment, but to dignity, growth, and helping young people recognize their own potential.
I’m grateful to have Never Alone as a community partner and to see the positive work happening there firsthand.
Michael Burke
2 weeks ago
Great facility for a great cause. Beautiful location in the woods of New York State.
Margarita
2 weeks ago
Great staff, have heard only good things about this place
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Frequently Asked Questions
Does Oscar Insurance Cover Addiction Treatment?
Oscar plans do offer some coverage for mental health treatment and substance use because they are sold on states’ Insurance Marketplaces. However the company focuses on virtual care, and the in person provider network is quite small.
Even though Oscar works with Optum to provide mental and behavioral health care, it can be challenging to find an addiction treatment provider that takes Oscar in many areas.
Mental healthcare is more likely to have available in person providers than substance use treatment. However, this varies dramatically depending on where you live. You can check the available providers in your area without signing up, which is helpful if you’re considering an Oscar Plan.
Coverage for treatment is usually based on your doctor’s recommendations. If you have Oscar coverage, work with your primary doctor to determine an appropriate treatment plan for your needs.
What Are Oscar Insurance Plans?
Oscar offers insurance plans on the state Insurance Marketplace in 18 states. These plans have metal tiers that help you understand what percentage of your care they will generally cover.
For example, a Bronze plan covers only about 60% of the cost of care, but you pay a much lower premium. A Gold plan covers 80% of the cost of care but has a higher monthly premium. A Silver plan balances the two by covering about 70% of your medical costs with a monthly premium in between Bronze and Gold.
There are also different types of plans available from Oscar, depending on the state you live in. There are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and Point of Sale plans (POS).
The differences between these plans are focused on two areas: Can you get care outside the network and do you need a referral to see a specialist (such as an addiction counselor)?
An HMO and EPO require you to stay within the plan’s provider network. A PPO or POS allows you to get coverage out of network, but your deductibles and copayments will be much higher because the plan covers much less of the cost of care.
An HMO and a POS plan both require you to have referrals to specialist care, even if the specialists are in network. A PPO and EPO give you the freedom to go to any specialist in the provider network without a referral.
Because an HMO has the most restrictions, it tends to have the lowest monthly premium. A PPO has the fewest restrictions, so they tend to be more expensive each month.
Does Oscar Cover Mental Healthcare?
Oscar offers a variety of mental healthcare options. They have in person mental healthcare in their network in many areas. If that’s not available or you prefer virtual care, you can access Doctor on Demandand use your Oscar ID to sign up for an account.
You can also search for a mental or behavioral health provider on Optum’s website using the code OHP or by calling Optum at (877)-855-1317.
Optum also offers an emotional support hotline that’s free of charge and available 24/7. Anyone can use it, whether or not they have coverage through Optum. The number is (866) 342-6892.
Finally, the Perks area of your member account on Oscar’s website gives you access to the Calm app for 40% off the normal annual subscription.
What Special Benefits Are Available From Oscar Insurance?
Because Oscar focuses on offering virtual medical care and support, they have a variety of unique benefits.
For example, Oscar’s plans include Oscar Care. This program allows almost all members to get free virtual urgent care visits. Some Oscar members will also have access to free virtual primary care visits for those 18 and older as well.
Oscar allows members to order prescription refills virtually and have them delivered by mail. Many common medications cost only $3 per refill.
The company also refers people to visit WeConnect’s free Online Support Meetings. These meetings allow you to talk about grief, mental health, substance use, and more. There are general meetings and specialty meetings with a specific focus.
If you have a Diabetes Care Plan with Oscar, you can enroll for free in Livongo, which provides resources for those living with Diabetes.
What Outpatient Rehab Does Oscar Cover?
Most of Oscar’s resources are focused on mental healthcare. However, in some areas they also have in network providers that offer outpatient addiction treatment.
Outpatient programs allow you to live at home or in a sober living environment while you attend treatment during the day. Options include partial hospitalization programs (PHP), intensive outpatient programs (IOP), and regular outpatient (OP) programs.
Partial hospitalization programs allow you to attend treatment during the day and return home at night. They typically run 4 to 8 hours a day, three to four days a week, and last between 30 and 90 days.
Intensive outpatient programs often offer 9 to 20 hours of treatment per week, spread over 3 to 5 days, with a total of 90 days of treatment recommended.
In general outpatient programs, you may be seen at a clinic or rehab facility one or more times a week. Group counseling and education on addiction and relapse prevention are typically provided, and when needed, individual sessions may be offered.
Once you finish treatment, you may have access to aftercare resources such as peer support and social services.
What Inpatient Addiction Treatment Does Oscar Cover?
Inpatient addiction treatment is very intensive. You may have to spend several weeks at a facility. For these reasons, it’s important to make sure that it’s the right treatment for you. Typically, your doctor will use an American Society of Addiction Medicine (ASAM) assessment to determine whether you need residential care or can start with an outpatient program. Then they will call Oscar to get their prior approval for coverage.
If you find yourself in residential rehab expect to be in scheduled programming for the duration of each day you spend there. You may get a little free time to attend to self care and chores. The rules and the structure are as much a part of treatment as the programming itself. The programming focuses on building skills to help you avoid relapse.
You may have to go through medical detox before you can participate in residential rehab. In residential detox, trained medical professionals supervise your withdrawal from substances like alcohol and benzodiazepines and opioids. Their goal is to prevent the harm that withdrawing from these substances can cause to your health.
Does Oscar Cover Methadone & Suboxone (MAT)?
MAT stands for medication assisted treatment. If it’s right for you, Oscar may be able to cover it. With MAT, medical professionals use FDA approved drugs to treat you for alcohol or opioid dependence. Medications can be used to get you through withdrawal and then help you stay in recovery. In the case of opioid use disorder they can also be used as maintenance treatment.
What to Do if Oscar Won’t Cover the Cost of Rehab
If you can’t find a drug rehab that’s in network through Oscar start by calling Optum. Since Optum is the company that manages behavioral health benefits for Oscar they may be able to find a provider or make an exception for you.
If you can’t get an exception you have a few options. You might consider traveling the distance to a facility they do cover. If you decide to do this you’ll want to make sure the facility will take you. You should also get prior approval from Oscar.
Next consider ways to cover treatment yourself. Many non profit rehabs have income based sliding scales. Some will take you without regard for your ability to pay. Some faith based organizations offer residential rehab for free. There may also be state and county level resources that will work with you.
You may also be able to get referrals to alternatives that are cheaper. If your counselor is the one referring you to treatment they can assess if a more affordable alternative is appropriate. People with opioid use disorder can sometimes avoid residential rehab if they get on MAT. Others may be able to manage with a partial hospitalization program while living in a sober house.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
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