Insurance and cost
Straight answers about money, before anything else.
Pick your plan below for an immediate answer on network status, then read how prior authorization, reviews, denials, and billing actually work. Nobody explains this part until it goes wrong. We would rather explain it first.
We are in network with most major commercial plans in Northern Nevada and with all three Nevada Medicaid managed care plans. For plans we are not contracted with, we pursue out-of-network benefits and single-case agreements. For people without insurance, we provide a written private-pay quote before admission and help with Medicaid applications.
Insurance and cost
Straight answers about money, before anything else.
Pick a plan and see where you stand. Then read what to expect from the insurance process, because nobody explains it until it goes wrong.
Network status is current as of this page’s last update. Benefits vary by employer and plan; the verification call is the final word. Or call (775) 800-1136.
What to expect from the insurance process
- Prior authorization
- Most plans require it for residential care. We request it, supply the clinical justification, and handle the periodic reviews while the resident is with us. You do not call the insurer.
- Your numbers, before you decide
- Deductible remaining, copay or coinsurance, and out-of-pocket maximum for the year. We say them out loud and put them in writing.
- If a plan denies or cuts a stay short
- We appeal, including a physician-to-physician review with the plan's medical director. Most short-stay denials are overturned or extended. We tell you the moment a review is pending, not after.
- No surprise bills
- There are no separate facility, lab, or physician bills from other companies. One provider, one statement.
A note on honesty
We will never tell you a stay is covered when we do not know yet. We will tell you what we have confirmed, what is pending, and what the worst case looks like. Families have told us that is the first time anyone in the process spoke to them that way. It should not be.
Insurance questions
The short version.
- Is residential treatment covered by insurance?
- Under federal parity law, plans that cover mental health and substance use treatment must cover it at parity with medical care, and residential treatment is a standard covered level of care with prior authorization. Coverage details depend on your specific plan; we verify them before you commit to anything.
- How long does verification take?
- Usually 24 to 48 hours from the time we have the member ID. Medicaid is often faster. We tell you the deductible remaining, copay or coinsurance, and out-of-pocket maximum in plain language and in writing.
- What if my plan is not on the list?
- Many plans pay out-of-network benefits for residential care, and some issue a single-case agreement when no in-network residential option exists nearby, which is common in Northern Nevada. Tell us the plan and we will find out what it pays before you decide anything.
- What does it cost without insurance?
- We provide a written, all-inclusive private-pay quote before admission, with payment plans available. We also help people apply for Nevada Medicaid; many who think they will not qualify do.
- Will there be surprise bills?
- No. There are no separate physician, nursing, or lab bills from other companies. One provider, one statement.
Admissions
Four steps. Usually within 48 hours. Same day when it has to be.
Getting someone into residential care should not feel like a second crisis. This is exactly what happens when you reach out.
- 01
Call, text, or request a callback
You reach a person who does this every day. Tell us what is going on. We listen first.
- 02
A short clinical screening
Twenty minutes, confidential, by phone. We confirm residential is the right level, and that we can genuinely meet the need. If we cannot, we tell you who can.
- 03
Benefits verified and explained
Usually within 24 to 48 hours. You hear the deductible, the out-of-pocket limit, and whether authorization is required, before you commit to anything.
- 04
Admission
A scheduled arrival, or same-day when safety requires it. We admit directly from emergency rooms and hospitals.