Anchored Tides Recovery
Insurance & Coverage6 min read

Sentara Health Plans Coverage for Women's Addiction and Mental Health Treatment

TL;DR

Sentara Health Plans, formerly Optima Health, is the Virginia-based health plan of Sentara Health. It offers individual, employer, Medicare and Medicaid plans. Anchored Tides Recovery works with Sentara Health Plans as an out-of-network provider for women's outpatient treatment in Huntington Beach, California, and the admissions team verifies whether your plan includes out-of-network benefits at no cost.

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 coverage comes through Sentara Health Plans, or a card that still says Optima Health, you may be wondering whether it reaches a women's program across the country. The answer depends on your plan type, because some plans include out-of-network benefits and others don't. Anchored Tides Recovery works with Sentara Health Plans for women's outpatient treatment, and our admissions team checks your plan before you make any decisions. Comparing plans? See all of our addiction treatment insurance guides.

Key Takeaways

  • 1

    Sentara Health Plans is the current name of Optima Health.

  • 2

    Sentara offers individual and family, employer group, Medicare and Medicaid plans, mostly in Virginia.

  • 3

    Out-of-network benefits differ by plan type; PPO and some self-funded employer plans are most likely to include them.

  • 4

    Treatment in California is out-of-network for Sentara members.

  • 5

    Verification confirms whether your plan covers out-of-network treatment before you travel.

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About Sentara Health Plans

Sentara Health Plans is the health plan arm of Sentara Health. Members moved to Sentara Health Plans ID cards and the Sentara Health Plans app at the start of 2024, when the Optima Health name was retired.

Plan options include individual and family plans, employer group plans (including Plus PPO, Vantage HMO/POS, BusinessEDGE and large group self-funded plans), Medicare plans and Medicaid plans.

Which Sentara Plans Can Cover Treatment Out of State

  • PPO plans usually include out-of-network benefits, with higher cost sharing than in-network care.
  • HMO and POS plans may limit or exclude out-of-network care outside emergencies.
  • Self-funded employer plans follow the employer's plan design.
  • Medicare and Medicaid plans: Anchored Tides doesn't accept Medicare or Medi-Cal. Call (866) 329-6639 if your Sentara plan is a Medicare or Medicaid plan.

The admissions team checks which category your plan falls into before discussing anything else.

What Sentara Plans Typically Cover for Addiction and Mental Health Treatment

Most employer and individual health plans must follow federal mental health parity law, which means behavioral health coverage must be comparable to medical and surgical coverage. Plans with out-of-network benefits typically include:

  • Outpatient mental health and substance use treatment
  • Partial hospitalization (PHP) and intensive outpatient (IOP) programs, usually 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 plan.

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Find out what your plan covers.

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What Affects Your Out-of-Pocket Cost

  • Your plan type: PPO, HMO, POS or self-funded
  • Out-of-network deductible status
  • Out-of-network 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 plan name.
  2. Within 1 to 3 business days, the admissions team verifies your out-of-network benefits with Sentara Health Plans.
  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. Women traveling for care can read our travel to Huntington Beach guide.

Frequently asked questions

  • Is Sentara Health Plans the same as Optima Health?

    Yes. Optima Health became Sentara Health Plans, and members moved to new ID cards at the start of 2024.

  • Can I use my Sentara plan at a program in California?

    It depends on your plan type. Many PPO and some employer plans include out-of-network benefits. Verification confirms yours.

  • Does Anchored Tides accept Sentara Medicare or Medicaid plans?

    Anchored Tides doesn't accept Medicare or Medi-Cal. If your Sentara plan is a Medicare or Medicaid plan, call (866) 329-6639 and admissions can talk through your options.

  • Does Sentara require authorization for PHP or IOP?

    Higher levels of care usually need authorization. The admissions team requests it on your behalf.

  • What happens if my plan has no out-of-network benefits?

    The admissions team explains your options, including our guide to paying for rehab without insurance.

  • Is verification confidential?

    Yes. Verification is confidential, free, and creates no obligation.

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. Sentara Health PlansSentara HealthSupports: the transition from Optima Health, plan types offered.
  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.

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