Free Insurance Verification — NYC Inpatient Rehab
New York Insurance Law §§ 3216(i)(30)(D), 3221(l)(6)(D), and 4303(k)(4) prohibits commercial insurers from requiring preauthorization for inpatient SUD treatment at OASAS-certified in-network facilities (NYS DFS). That means no approval gate before admission. Call (347) 741-7043 — verification typically takes 10–15 minutes.
What we verify on the call
Placement advisors collect basic plan information — carrier, member ID, group number, date of birth — and run a benefits check with your insurance company in real time. We confirm in-network status with partner programs, verify deductible met/remaining, confirm coinsurance percentages, check residential inpatient day limits, and identify any remaining out-of-pocket maximum. The result is a clear dollar estimate of what admission will cost you personally before you commit to anything.
Carriers we work with
Partner programs are in-network with most major NY commercial plans: Aetna, Anthem BCBS, Cigna, Empire BlueCross BlueShield, United Healthcare, Oscar, Humana, MetroPlusHealth (commercial), Emblem/GHI, HIP, and most Blue Cross Blue Shield national plans. Out-of-network benefits are common on PPO plans and frequently cover a significant portion of inpatient care. Self-pay is also an option when coverage isn't available.
What PPO vs. HMO means for you
PPO plans give you the most flexibility — you can typically use out-of-network providers (at a higher cost share) and have fewer care-coordination gates. HMO plans usually require in-network only, and a primary care physician referral is often needed for specialist care — but mental health and SUD are usually carved out from the PCP-referral requirement. EPO plans are in-network only but typically don't require PCP referrals. The placement advisor explains which category your plan falls into.
What if you're uninsured or underinsured
If you don't have commercial insurance, self-pay options and reduced-fee arrangements exist at many NY programs. Some programs have scholarship beds, though availability is limited and wait times can be long. Employer short-term disability and FMLA protections can cover the employment side even when coverage is limited. Call (347) 741-7043 and the placement advisor will walk through what's realistic given your specific situation.
Frequently Asked Questions
Does insurance verification cost anything?
No. It's free and there's no obligation to proceed to placement after verification.
How long does verification take?
Usually 10–15 minutes. In some cases the carrier's system is slow and it takes 30 minutes. Either way, we stay on the line or call back.
Will my employer know I verified insurance?
No. Insurance verification is between you, the placement service, and your carrier. Your employer is not notified.
What if I don't know my plan details?
Your member ID and date of birth are usually enough. If you don't have your card handy, the advisor can walk you through how to pull it from your carrier's app or call the number on your card together.