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 The Haven Detox – New Jersey 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.
Symetria is like a second family for me now and Mrs. Debrah , who runs the center is always awesome and also Mrs. Callie is my counselor and a great one at that! Come to Symetria if you need help you’re not alone they will treat you like your one of them.
Krystina Hubbell
1 month ago
Symetria is a great place and it can really help you get better.
Trevor Stewart
1 month ago
Symetria in Hurst is full of loving and caring individuals who go above and beyond helping you in any way you need while navigating your best self, if you're slightly thinking about checking it out, I highly reccomend it, will change your life for the better!!!
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.
nice and friendly staff who put client care first and super nice and clean facility
Cade Jackson
4 days ago
Great facility and even better staff!
Anna Allen
1 week ago
Oh my goodness, this was the best treatment facility. After they take me to Chattanooga, I feel it will be my last. I'm going to miss the staff; Mrs V has been so awesome, and Ms. Mechell, and Mrs, Tamiyah, and Desmond just a few that have made it a great experience.
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 had an out patient procedure done and everyone was wonderful! Even my anesthesiologist was great! He talked to me prior to my procedure to go over what he was going to use and what he might need to do if necessary. I was treated well & was kept long enough after my procedure to be fully out of the anesthesia.
Barb Kucera
1 month ago
Friendly, welcoming, and knowledgeable staff
Jeanne Weisbrook
1 month ago
This is the best hospital ever. The care is fantastic. I reccomend it 100%
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.
10/10 across the board. Everyone here is fully committed to helping guys get and stay sober and can speak from personal experience.
The staff, program, and experience is beyond anything I could have hoped for. I would recommend to anyone struggling with addiction with 0 reservations.
I am happy to have been given the tools needed for long term sobriety, but finding happiness, peace, and connection I’ve never had before is one of the most amazing and important experiences I’ve ever had.
Michael Van Asten
1 month ago
This is an amazing facility, love the atmosphere. Let’s you feel welcomed and very genuine. I will definitely miss the staff.
Israel Del toro
1 month ago
Eagle Creek has been the absolute best opportunity of my life! It's been an amazing learning and rebuilding experience. They prepare you for the struggles of addiction and life, coping mechanisms, stress management, behavior therapy and so much more! All staff are helpful, engaging and understanding. It also helps as most of them have gone thru the program as well! Not to mention the food is better than most 5 star restaurants!!! I did 60 days but think 45 is the sweet spot for anyone struggling thru addiction and looking for a life changing experience and healthy environment! God Bless Eagle Creek!!!
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
3 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
3 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.
AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental HealthMental Health And Substance Abuse
Adult ProgramSeniors ProgramLGBTQ Program
Private insuranceSelf-pay options
Ya era hora que esta Isla contara con un centro completo e integral. Un salvavidas para los que de VERDAD BUSCAN Y QUIEREN un cambio en sus vidas. Un faro de esperanza para sus familias. Un personal muy dedicado. Un lugar muy agradable. El centro esta en fase de crecimiento y en desarrollo de sus facilidades lo que les permitira mas pacientes y mas servicios. Aqui encontraras los 28 dias que marcan un buen comienzo a aquellos con mente y corazon dispuestos a un cambio de rumbo.
Remax Zone Puerto Rico
3 weeks ago
Excelente lugar, gran servicio y el personal realmente se preocupan por ti.
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.
I admitted myself for mental health. I was beyond terrified about seeking help that I had so desperately needed. But the beautiful people at ICFR helped me feel comfortable. The group facilitators were well beyond amazing. They have taught me so many skills that I can now take out into the world and continue my journey of mental health recovery. And the resident community is amazing. Everyone advocates for each other, and no one judges anyone. I want to give everyone at ICFR Bloomington a huge thank you for everything they have taught me. Keep doing the work that you do.
Dylan Shelton
1 week ago
Very helpful for mental health. I will say you get as much out of here as you put in. My therapist and the staff have been wonderful and I’ve learned a lot of useful tools for my life moving forward. I’m not fixed, but I have more balance.
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.
Phenomenal place! All of the staff are very helpful and friendly. Anthony, client care coordinator is always checking in to make sure you are ok and if anything is needed, helps with a smile! Jason(therapist) is great, more in tuned than most I have seen. . Karen (EMDR) is gifted and am privileged to have been able to work with her. Magic Mike will blow your mind with his knowledge and things he can do. Food is good. Facility is clean. Beds on residential side are comfy.bon detox they are average. Such an amazing group! The only reason I gave 4 stars is this is not the place for residential treatment ....groups are aa ..lecture type no real interaction
LEA
2 weeks ago
Drivers picked me up, they were very professional. No judging, staff is friendly and all here to help and the kitchen is great ! And they even have ice cream !
erik bailey
2 weeks ago
I was so scared and nervous upon just asking for help. Thank you God I came here the staff are so caring and understanding no judgment was passed at. Morning noon or night they are here for you. The facility its self is 10/10 the staff is 109% on your side ready to listen and help. Most places you have to tell half truths here NOPE the all understood where you are coming from and are so. Amazing and down to earth and couldn’t be better. This has been the best experience of my life and after detox they make all the arrangements for you and are more than happy to do. Thank you so much to all the staff for the loving care
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
Great facility and staff,Brittany is my go to resource . If you have ever had the pleasure of working with her you would understand why!!
Dwight Clayton
2 months ago
Amazing treatment services center, and even better staff especially Brittnay. She has been a great person to work with in the community ,and an amazing asset to the individuals who need her the most. She goes above ,and beyond for anyone in need of her services. I know this first hand as she was the person who gave me hope almost 6 years ago, that I could get to the other side. From listening to her Im now where I am today helping others and able to work with her as a primary resource for our clients. BRITTNAY is amazing.
Heather Harris
2 months ago
Brittnay from Provive Wellness went over and beyond when I was desperate to find a help center for my son. She walked me through the entire intake process step by step. She made me feel comfortable and hopeful that my son would get the help and support that he needed. I had a lot of questions and concerns and she did all the leg work to help me through this situation. Brittnay is truly an amazing employee and a huge asset. She continues to reach out to me and my son along his journey making this difficult situation a lot easier.
This is an ad and The Haven Detox – New England 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.
The combination of filters you have selected has no results. Please refine your selections and try again.
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.
Sponsored Helpline
Alcoholism
Drug Addiction
Dual Diagnosis
Opioid Addiction
Substance Abuse
Mental Health And Substance Abuse
Adult Program
Program For Women
Program For Men
Private Insurance
Self-Pay Options
Sliding Scale Payment Assistance
Young Adult Program
Medicare
Military Insurance
Seniors Program
Teen Program
Financial Aid
Medicaid
Military Program
LGBTQ Program
Free
