Anchored Tides Recovery
Insurance & Coverage6 min read

Luminare Health Coverage for Women's Addiction and Mental Health Treatment

TL;DR

Luminare Health, formerly Trustmark Health Benefits, is a third-party administrator (TPA) that runs customized health plans for self-funded employers. It's a subsidiary of Health Care Service Corporation (HCSC). Your employer sets the benefits and Luminare Health administers them. Anchored Tides Recovery works with Luminare Health-administered plans as an out-of-network provider for women's outpatient treatment in Huntington Beach, California.

Anchored Tides Clinical Team · Reviewed by Zoe Tambling, LMFT · Published September 17, 2026
Published September 17, 2026Last reviewed: September 17, 2026
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If your insurance card shows Luminare Health or Trustmark Health Benefits, your coverage is a self-funded employer plan administered by a TPA. Your employer decides what's covered, and Luminare Health handles claims, networks and member service. Anchored Tides Recovery works with Luminare Health-administered plans for women's outpatient treatment, and our admissions team verifies your benefits at no cost. Comparing plans? See all of our addiction treatment insurance guides.

Key Takeaways

  • 1

    Luminare Health is the current name of Trustmark Health Benefits.

  • 2

    Luminare Health is a TPA owned by HCSC.

  • 3

    Your employer's plan document defines what's covered.

  • 4

    Networks and out-of-network benefits vary by employer.

  • 5

    Anchored Tides works with Luminare Health-administered plans as an out-of-network provider.

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About Luminare Health

HCSC acquired Trustmark Health Benefits in 2022 and renamed it Luminare Health in November 2023. Luminare Health designs and administers customized health plans for employers that self-fund their employees' coverage.

What Luminare Health does: processes claims, connects the plan to provider networks and handles member questions. What it doesn't do: set your benefits. Covered services, deductibles and coinsurance come from your employer's plan.

How Self-Funded Plans Work

In a self-funded plan, your employer pays claims directly and hires a TPA such as Luminare Health to run the plan. Two people with Luminare Health cards from different employers can have very different benefits. Verification is the reliable way to know what your plan includes.

What Luminare Health-Administered Plans Typically Cover

Most employer health plans must follow federal mental health parity law, which means behavioral health coverage must be comparable to medical and surgical coverage. Most self-funded employer plans include:

  • Outpatient mental health and substance use treatment
  • Partial hospitalization (PHP) and intensive outpatient (IOP) programs, often with authorization
  • Evidence-based therapies such as EMDR, DBT and CBT
  • Treatment for co-occurring mental health and substance use conditions

Verification provides the specifics for your employer's plan.

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Find out what your plan covers.

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What Affects Your Out-of-Pocket Cost

  • Your employer's plan design, including out-of-network benefits
  • Deductible status: what you've paid this year
  • Coinsurance percentage
  • Out-of-pocket maximum
  • Authorization requirements
  • The level of care: PHP, IOP and OP cost differently
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How Verification Works

  1. Submit the Verify Insurance form or call (866) 329-6639 with your member ID, group number and employer name.
  2. Within 1 to 3 business days, the admissions team verifies benefits with Luminare Health and confirms what your employer's plan covers.
  3. You receive plain-language results explaining what's covered and what your out-of-pocket cost would be.

Verification is free and creates no obligation.

What Anchored Tides Provides

Anchored Tides Recovery is a women's-only outpatient program in Huntington Beach, California, JCAHO accredited, California DHCS License #300386AP, led by Clinical Director Sara Rotunno, LPCC. The clinical model centers on EMDR (foundational), DBT, and CBT, with holistic adjuncts including mindfulness, Adventure Therapy, Reiki, Sound Healing, and Registered Dietitian support. Three outpatient levels of care on-site (PHP, IOP, OP), plus a dedicated Mental Health track.

Frequently asked questions

  • My card says Trustmark Health Benefits. Is that Luminare Health?

    Yes. Trustmark Health Benefits became Luminare Health in November 2023.

  • Is Luminare Health my insurance company?

    Luminare Health administers your plan. Your employer funds it and sets the benefits.

  • Can I use my Luminare Health plan at Anchored Tides?

    Anchored Tides works with Luminare Health-administered plans as an out-of-network provider. Verification confirms your plan's out-of-network benefits and your cost.

  • Is Luminare Health a Blue Cross Blue Shield plan?

    Luminare Health is owned by HCSC, which also operates Blue Cross and Blue Shield plans in several states. Your Luminare plan is still your employer's plan, and its network depends on your employer's choices.

  • Does my plan cover addiction treatment?

    Most self-funded employer plans must follow federal mental health parity law. The specifics depend on your employer's plan, and verification confirms them.

  • Is verification confidential?

    Yes. Verification is confidential, free, and creates no obligation. Information shared during verification doesn't go to your employer without your authorization.

Evidence & accountability

Sources and clinical review

This page was reviewed by Zoe Tambling, LMFT on . The references below informed the specific topics noted with each citation.

  1. Trustmark Health Benefits rebrands as Luminare HealthHealth Care Service CorporationSupports: rebrand date, HCSC ownership, TPA role for self-funded employers.
  2. The Mental Health Parity and Addiction Equity ActCenters for Medicare & Medicaid ServicesSupports: federal parity requirements for covered behavioral health benefits.

Ready to take the next step?

Call (866) 329-6639 or verify your insurance, confidential, no obligation. Women-only environment, Joint Commission accredited.

Verify Insurance →

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