Verify Your Insurance Coverage
Find out what your insurance covers for rehab before you arrive, free and with no obligation. South Carolina Addiction Treatment (SCAT) in Simpsonville, SC is in network with Aetna, Ambetter, Blue Cross Blue Shield, Cigna, Magellan Healthcare, MedCost, and Molina Healthcare. The SCAT admissions team runs your insurance verification by phone and explains your coverage, deductible, and out-of-pocket cost.
- Free & confidential
- No obligation
- Same-day intake available
Verify Your Insurance
Free, confidential, and takes about 60 seconds.
7
In-network insurance carriers
$0
Free verification, no obligation
Same day
Intake after your VOB, sometimes in under an hour
Self-pay
Options for clients without insurance
Which insurance plans does SCAT accept?
SCAT is an in-network rehab with 7 insurance carriers: Aetna, Ambetter, Blue Cross Blue Shield, Cigna, Magellan Healthcare, MedCost, and Molina Healthcare. Using a plan from one of these carriers keeps your rehab cost lower than out-of-network care.
SCAT holds contracts for detox and residential treatment with these 7 carriers:
Some Molina plans are state-restricted to South Carolina.
Some BCBS of South Carolina plans are state-restricted to South Carolina.
Don't see your plan?
(866) 326-3365
In-Network
Lower out-of-pocket costWhat does in-network mean for rehab cost?
In-network means your insurer has a contract with SCAT that sets a negotiated rate for detox and residential care. An in-network rehab costs you less out of pocket, because your copay and coinsurance apply to the negotiated rate and count toward your plan’s out-of-pocket maximum.
Out-of-Network
Depends on your planWhat if my insurance is out of network?
Out-of-network insurance pays for rehab only when your plan includes out-of-network benefits. According to HealthCare.gov, HMO and EPO plans generally pay for out-of-network care only in an emergency, while PPO plans pay for it at a higher cost share. The SCAT VOB reports your out-of-network cost before admission. Self-pay is the alternative when out-of-network benefits are missing.
What does a verification of benefits (VOB) confirm?
A verification of benefits (VOB) at SCAT confirms the following 6 benefit details:
Network status: Whether your plan contracts with SCAT as an in-network rehab provider.
Deductible: The amount you pay each plan year before insurance pays, and how much of it you have already met.
Copay or coinsurance: Your flat fee or percentage share of each covered service.
Out-of-pocket maximum: The most you pay in a plan year for covered in-network care.
Prior authorization: Whether your insurer must approve detox or residential treatment before admission.
Covered levels of care: Whether your plan pays for medical detox, residential treatment, or both at SCAT.
How does insurance verification work at SCAT?
Insurance verification at SCAT takes 5 steps, and every step before arrival happens by phone with an admissions representative. After the VOB and pre-screening, intake can begin the same day, sometimes in under an hour.
- 1
Submit
Submit the verification form on this page, or call 866-326-3365.
- 2
Verify
The admissions representative contacts your insurer and runs the VOB at no cost.
- 3
Complete
Complete a short pre-screening conversation about substance use, health history, and treatment needs.
- 4
Review
Review your coverage, out-of-pocket cost, and recommended program with the admissions representative.
- 5
Schedule
Schedule your arrival date and time at SCAT in Simpsonville, SC. Arrival times vary with each client’s detox needs.
The SCAT Admissions page covers the full process from first call to intake. The What to Bring checklist covers what to pack, including the insurance card and photo ID to bring.
Does insurance cover addiction treatment?
Protected by 2 federal laws
- 1
Affordable Care Act
Yes. Affordable Care Act Marketplace plans must cover addiction treatment, and federal parity law limits how other health plans restrict it. According to HealthCare.gov, all Marketplace plans cover mental health and substance use disorder services as essential health benefits. Marketplace plans cannot deny coverage or charge more because of a pre-existing condition, and a substance use disorder counts as one.
- 2
Federal Parity Law
The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) adds parity protections. According to the U.S. Department of Labor, most group health plans and insurers that cover substance use disorder treatment cannot make its copays, deductibles, or visit limits more restrictive than those for comparable medical and surgical care.
Which levels of care does insurance cover at SCAT?
Insurance verification at SCAT covers 2 program tracks: a 7-day medical detox and a 14-day detox and residential program. Detox days are billed as detox, and the residential week is billed as residential treatment. The VOB confirms which levels of care your plan approves.
Insurers approve rehab days based on medical necessity. The length your plan covers depends on your clinical assessment and your plan’s authorization rules.
How much does addiction treatment cost at SCAT?
Addiction treatment cost at SCAT depends on your insurance plan and your length of stay. The VOB tells you your out-of-pocket cost before you arrive. SCAT does not publish one rehab price, because 2 clients with different plans pay different amounts for the same 7-day detox.
These 5 factors set your rehab cost at SCAT:
- 1.
Network status: In-network plans pay SCAT’s contracted rate.
- 2.
Remaining deductible: A deductible you have already met lowers what you owe at admission.
- 3.
Coinsurance or copay: Your percentage or flat share of each covered service.
- 4.
Out-of-pocket maximum: The annual cap on what you spend for covered in-network care.
- 5.
Length of stay: Track One runs 7 days, and Track Two runs 14 days.
Can I pay for rehab without insurance?
Yes. SCAT accepts self-pay clients for medical detox and for the detox and residential track. SCAT serves self-pay and insurance clients across a wide range of incomes. Self-pay rehab fits people without health insurance and people whose plan is out of network. Call 866-326-3365 for self-pay rates. The admissions team explains payment before scheduling your arrival.
What information do I need to verify my insurance?
The SCAT insurance verification form asks for 4 details and takes about 60 seconds to complete:
- Full name
- Phone number
- Email address
- Insurance provider name
Keep your insurance card nearby for the follow-up call, because the admissions representative asks for the member ID and group number printed on the card. Bring the same card and a photo ID when you arrive, because SCAT photographs the insurance card for your medical records during intake.
Trusted & Verified Care
CARF Accredited
Licensed by SC Dept. of Public Health
BBB Accredited, A+