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.
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.
If you’re checking out various recovery programs, you can learn more about rehab options to see what fits your coverage.
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 unbelievably amazing!!! The Hurst staff is phenomenal!!! I can't imagine that another location has a better staff. A special shout out to Deborah, Benjamin, and Samantha of course. You all are doing amazing, amazing, selfless work. You all are very special to so many!!!
Vernon Godsey III
2 months ago
Huge shout out to the team at symetria who make me feel like family I appreciate everything they do and huge shout out to Osagie for helping me! He is AWESOME!!! I love you symetria❤️❤️❤️
Chloe Roseman
2 months ago
BEST PLACE EVER. I have tried various other doctors/clinics and none of them even begin to compare to this one. The staff here is absolutely amazing. I can’t even make a single complaint. Dr Son is the best as well. He explains everything and you truly feel like he understands you. I can proudly say this, this place saved my life. If you or someone you know needs help getting off opiates do it right the first time and come here. You won’t be disappointed. If you are specifically struggling with fentanyl please don’t waste your time with other ways. I have tried 6 other methods from lazer therapy to having the earpiece to suboxone. Methadone is the key to our current fentanyl crisis. This clinic makes recovery possible again!
My time with ICFR was life changing. Everyone was very helpful and understanding. From my initial phone call after finding there facility’s online to them getting ready to taking me home after my stay. The therapist, facilitators, techs, client care and medical staff were wonderful. Thank you!
Brandon
1 week ago
The Indiana Center for Recovery in Bloomington, Indiana literally saved my life. A lot of people say treatment for drug abuse saved their life but when I walked into the treatment center on Dec 2, 2025 my blood pressure was at stroke levels and I had no idea. I had literally been walking around with hyper tension for several years and combined with my drug abuse I made bad decision after bad decision after bad decision. I thought I was going in to detox or to reset myself but I realized after a couple weeks that it was a life changing event. The nursing staff got me on high blood pressure meds to stabilize my health and the therapists and facilitators got me into recovery. By practicing meditation, yoga, therapy, group sharing, exercising and eating right I have regained not only my health but my crystal clear clarity. I am now in recovery for three weeks and have about another week to go in the program. Colin Troy and his staff was instrumental in getting me into the program and my therapist Meghan Miller has helped me tremendously along with all the staff at the recovery center and even with a week left I feel like I have a new lease on life. I used to say that I was built for this, in regards, to my drug abuse, but now I have flipped that saying into I am built for recovery. And it's all down to the Indiana Center for Recovery and their amazing staff and program. Highly recommend for those that are serious about their recovery. Wonderful compound, living conditions, with an amazing gym and recreation center. Staff is accommodating, thoughtful, and professional. Plus they use holistic practices like mediation, yoga, art and music therapy, and acupuncture to go along with the traditional therapy and twelve step program education, with the added addition of a Recovery Dharma leaning. After being here I can see why they are now rated number 1 nationally for treatment and recovery centers.
Seth Ferranti
1 week ago
My wife had an excellent stay!
Everything it said it was offering on the web sight was offered to her!! We love Indiana Center for Recovery!! Bloomington Indiana! Helped save my wife's life! Thank you you’re amazing!!
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.
When I was at my lowest, the haven was there to pick me back up. The facility is clean and well kept, the rooms are spacious and pristine, the food is amazing, the nurses and group facilitators are attentive and well knowledged. Shout outs to all the staff and nurses for helping me realize my life was messy and I had the support and tools to turn it around. Luke, Ashley, Lauren, Sally, Dr.B, Pastor C, Dr Pepper(😉jk), and any or all staff I forgot to mention because im so fried. THANK YOU HAVEN for helping me get my life back on track
Chaz Flecha
1 week ago
I honestly can’t thank this place enough, it honestly saved my life. When I came to the haven I had literally gave up on life. I had overdosed when I got here and they got me to the hospital fast enough to save my life. The next 3 days were pure hell. The staff truly does care. Roni is amazing(has great style to) always had a smile on her face. Anthony and Shawn were my go to if I needed something done, they always made it happen. Ashley and Lauren were great always running around like crazy getting things done for people. Most of the BHT were cool. The night BHT’s were more down to earth. Shaggy is definitely one of my favorites when I wanted to give up he told me to keep pushing. I could keep ranting on and on about how good the place is but we would be here for hours. Thank you to the Haven for giving me my life back!
Kaila Clark
2 weeks ago
The Haven is a great place very helpful and attentive. Roni helped out a lot and Anthony. And my therapist Robert is amazing. And Lynn helped me so much for my medical needs. I appreciate u guys so much. Y'all have helped me more than you all would ever know.
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I do quite a bit of referrals for work and I never have to think twice about sending a client to Banyan—they have a great team and will work to get you in quickly, which is so crucial in the short window of time someone is willing to go to treatment. Their outpatient and residential options are fantastic!
jarrett burton
1 day ago
Changed my life
Slit Slit
2 months ago
This place is amazing. Amazing staff. Attractive facility. Very therapeutic. Attention to everyone's needs. Highly recommended. I wish I knew about this place 4 treatments ago.
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.
good attentive staff that will help you get the help you need.
John Carter
3 weeks ago
This place is so well managed and organized! The staff is seriously amazing!! Front desk is amazing!!!! Everyone is so kind and actually cares about you and your recovery!! I LOVE THIS PLACE. Legit the best if you need help!
Juliet Newton
1 month ago
These people have helped me recover from the worst point in my life to become a much better happier person today. I owe my life and my family to this place. Especially Leia, Cynthia, and Mary. But I want to thank everyone else for being a part of this process.
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.
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.
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My names Anthony, I just gotta say I moved up to Pennsylvania from south Florida 2 months ago and I’ve been through others programs before in the past and at Provive I’ve been welcomed with open arms. The community of therapists and practitioners go above and beyond to provide guidance and support for me and patients as a whole. I love this program and have never been better in my life
Thanks Provive !!
ANTHONY ERNEST
1 month ago
Simply an awesome caring facility. The staff gives 100 percent and then some! They display a true genuine concern for those in their care. Communication is exceptional! My son has been in many facilities over the years and Provive Welles is the best place that he has been in and made the most progress. Everyone that I’ve communicated with was phenomenal.
However, the majority of my communications were with Megan, Emily and David. I must give them special recognition for my sincerest appreciation.
Thank you Provive Wellness for caring for my son above and beyond my expectations.
Tina & Thomas
Tina and Tom Roberts
3 months ago
I’ve been with Provive for about a month or so now. I was having urges to drink myself into a blackout state. Been this way for about a week….I mentioned it in front of the house manager and nothing happened. Today was the worst of my urges. Megan had reached out to check on me and she was able to help me through without relapsing…. Thank you, Megan for all your help!!
Coastal was tough and fair…they prepared me for the real world!
The food is fabulous and the staff is wonderful!
peter haines
4 weeks ago
I just want to thank all of you from the bottom of my heart for the care and compassion you showed me during my stay .You helped me through one of the hardest times in my life with kindness, patience and understanding . Because of your support ,I found hope and strength again .I'll always be grateful for the way you helped me start this new chapter of my life . With love and gratitude you gave me freedom back from addiction to freedom after 15 years of being on opioids . Thank you for the true blessings I've received . Loretta
Loretta Slone
1 month ago
These people go over and above the gold standard of treatment in South Florida!
Manicured detailed excellence from the owners, chefs, medical staff, BHT's, and housekeeping!
This is very amazing and groups are very fun. Very interactive and helps me relax and the staff is amazing. For example Queen (Carol) Tiff Kim and Paul have been very supportive since I started the program. Thank you AWA!
James Santana
3 weeks ago
Recomiendo este lugar con los ojos cerrados.La entrega de sus trabajadores con los niños y con los padres está en otro nivel.Sientes que los conoces desde siempre por la confianza que te brindan.La Terapista de mi hijo que se llama Ornela muy profesional y entregada con nuestros problemas.Siempre dispuesta a escuchar en todo momento con una paciencia infinita.Contenta con la conciencia creada en mi hijo sobre su situación etcétera…..Por siempre agradecida con esta institución y ahora seguir trabajando en casa 🫶🏼
Mileivys Perea
1 month ago
We brought my son to meet Annie. Instantly she identified his issues and recommended the next steps to take. My son has been in residential care and Annie has been in contact throughout because she has our best interests at heart. We had seen educated psychologist/ psychiatrist for years but i have discovered the best people to help are those who have had experience of addiction and continue the fight . Their life experiences are invaluable in helping others overcome the disease Thank you Annie !
Okay let's start from the beginning back in January of 2025 I completely lost my mind due to alcoholism. I reached out the first steps and they help me not just once but twice get my life back together I lost everything and now 6 months later after my second shot going into first step recovery I will have 6 months clean as of the 26th of this month November. I want to give a special shout out to Jessica from first step recovery who helped me numerous times the facility in El Dorado hills is very clean. And they care I think that's what separates them from the others. Thank you so much for step recovery.
Justin Hill
1 month ago
I haven't gone here, but I would like to say that the intake specialist I spoke to when I called named Doug is an absolutely amazing man. He not only answered every question I had, but he also gave me sound advice and kind, supportive words that have really helped me in this process. Even after finding out that I would be attending a different facility, he has been there for me with support and help in any way he can and has kept up with me every day to see how things are progressing for me. Absolutely outstanding individual who clearly cares about people and is interested in their wellbeing and not just in getting them into the place he works for. Doug, you are a kind, caring, empathetic soul and have made a big impact on me and my journey through this process. Thank you for all that you do and will continue to do for people who need exactly the type of person you are on their side when they are arguably at their worst point in their lives.
Joel Fournier
1 month ago
First steps is one of the greatest places you could ever end up for recovery. This place was my home away from home for my stay of 90 days the great staff made me feel so welcomed as soon as I walked through the doors. To the amazing chef Darryn at the oak house cooking 5 star meals to the tech staff some of my favorite were David , Andrea , Jessica , Francisco , Char , and Angie some of the best and attentive staff! The experience was made even better by my counselor Zack p. I was so lucky to have him in my recovery this place is one of the best and I recommend it to anyone struggling with addiction you will not regret it
Can’t say enough about the amazing and life changing work these guys do. Highly recommend!
Sergio Villasenor
1 month ago
Life-Changing Experience
Our family will always be grateful for this treatment center. From the moment one of our family members arrived, the staff made them feel seen, respected, and understood. Many of them are in recovery themselves, and that made such a difference — they truly get it.
The environment was warm, nurturing, and safe — exactly what our relative needed to begin healing. The people there, both staff and other residents, were genuine and supportive.
This is a place where real change and growth can happen. Their authenticity and care provide hope, community, and a new start.
Jill Milner
1 month ago
I came to Clear a few years ago desperately needing help for my substance use disorder. They worked with my insurance but more importantly than that they worked with me. The staff genuinely cared about my achieving long term sobriety and it showed. Their employees were nothing short of amazing from Program Director to the team of therapists, case managers, nurses, and technicians who not only insured my detox was comfortable but made me feel cared for. Would highly recommend this facility for anyone struggling with substance use and or mental health issues of any kind. I wish I could leave more than five stars.
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Frequently Asked Questions
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.
Calls to any general helpline will be answered or returned by a paid advertiser.
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.
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