Short-Term Disability for Rehab: Can STD Cover Time Off for Treatment?
Short-term disability pays a portion of your wages, commonly 40% to 70%, while a medical condition prevents you from working. It d…
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How insurance covers addiction treatment — what's included, what to verify, and how to use your benefits.

Many insurance plans cover an Intensive Outpatient Program (IOP) for women when it's medically necessary, though benefits vary by plan and network status. Some plans require preauthorization before treatment begins. A confidential verification of benefits is the most reliable way to learn what your plan covers.
IOP offers structured therapy several days a week while you live at home and keep up with work, school, or family. Our women's intensive outpatient program in Huntington Beach is built around those responsibilities.
Most commercial insurance plans can cover a Partial Hospitalization Program (PHP) when a clinical assessment shows it's medically necessary. Plans often require preauthorization and ongoing utilization review, and your out-of-pocket costs depend on your deductible, copay or coinsurance, and plan network. Verifying your benefits confirms what your plan includes before care begins.
PHP is a structured, day-treatment level of care, a step up in support from IOP without an overnight stay. Our women's partial hospitalization program combines trauma-informed, women-only care with a schedule that lets you return home each evening.
Many insurance plans cover medically supervised detox when a clinical assessment shows it's medically necessary, though benefits vary by plan and network status. Detox is typically reviewed as its own level of care, separate from outpatient programming, with its own authorization. Before anything begins, you can request a confidential benefits check to see what your plan supports.
Anchored Tides doesn't provide on-site detox. When medically supervised detox is indicated first, we refer to trusted partner facilities and coordinate the transition so it isn't yours to manage. You can also ask our admissions team to check your benefits and walk through which level of care your plan supports.
4 articles

Short-term disability pays a portion of your wages, commonly 40% to 70%, while a medical condition prevents you from working. It d…
Read article
You can pay for rehab without insurance through state-funded and county programs, sliding-scale clinics, facility payment plans, g…
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Start with photo ID, insurance paperwork, and every current medication in its original pharmacy bottle. Then pack about a week of…
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You can enter rehab through same-day or planned admission. If there is severe withdrawal, active suicidal thoughts, or medical ins…
Read article21 articles · Sorted A–Z by carrier

Aetna is one of the largest health insurers in the United States, owned by CVS Health since 2018. Most Aetna plans cover addiction…
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Anthem is one of the largest health insurers in the United States, offering HMO, EPO, PPO, and Medicare Advantage plans across mul…
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BAS — Benefit Administrative Systems — is a third-party administrator (TPA) that manages self-funded employer health plans. BAS it…
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Beacon Health Options is a managed behavioral health organization that administers mental health and substance use treatment benef…
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Blue Cross Blue Shield (BCBS) is a federation of 33+ independent member companies that operate Blue Cross and/or Blue Shield healt…
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Blue Shield of California covers addiction and mental health treatment under federal mental health parity law, which requires beha…
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Cigna is one of the largest health insurers in the United States, offering commercial health plans, Medicare Advantage, and global…
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ComPsych is an employee assistance program and behavioral health company, not a health insurer. Depending on how your employer set…
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GEHA — the Government Employees Health Association — is one of the largest national health benefit plans available through the Fed…
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Healthscope Benefits is a third-party administrator (TPA) that manages self-funded employer health plans. If your insurance card s…
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Highmark is one of the largest BCBS affiliates in the U.S., serving members across Pennsylvania, Delaware, West Virginia, and part…
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Horizon Blue Cross Blue Shield of New Jersey is the largest health insurer in New Jersey, serving members across the state with HM…
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Meritain Health is an Aetna company and one of the largest third-party administrators in the United States, managing self-funded e…
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MultiPlan is one of the largest independent PPO networks in the United States — not a traditional insurance company, but a network…
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Premera Blue Cross is the BCBS licensee for Washington state and Alaska, serving over two million members across the Pacific North…
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Regence is the BCBS licensee for Idaho, Oregon, Utah, and parts of Washington — serving over three million members across the Paci…
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TRICARE covers mental health and substance use disorder treatment for active duty service members, retirees, National Guard and Re…
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TriWest Healthcare Alliance is not an insurance company. It administers health care on behalf of two federal programs: the VA Comm…
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UMR is the third-party administrator (TPA) arm of UnitedHealth Group, administering self-funded employer health plans separately f…
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Most UnitedHealthcare plans include behavioral health benefits, usually administered through Optum. Anchored Tides Recovery accept…
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Vivity is an HMO plan created jointly by Anthem Blue Cross and a group of Southern California health systems, serving Los Angeles…
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Confidential, no obligation, and most responses arrive within 24 hours.