Free benefits check · No obligation
A confidential benefits check tells you what your plan covers for women’s addiction and mental health treatment. We’re in-network with most major HMO, EPO, and PPO carriers. Verifying takes under 24 hours and doesn’t affect your coverage.
“Life changing experience for a dear friend. Highly recommend this program.Do not hesitate to trust them with the people you love.”
What happens after you submit
Our admissions team contacts your plan directly to pull your specific benefits — usually within a few business hours.
A member of our admissions team calls you to explain what's covered, what your out-of-pocket would look like, and what levels of care your plan supports.
No pressure, no commitment. If treatment is the right fit, we coordinate next steps. If not, you keep the information.
Direct answer
Yes. Anchored Tides Recovery is in-network with most major HMO, EPO, and PPO plans.
We’re in-network with Blue Shield of California, Blue Cross Blue Shield, Anthem, Highmark, Regence, Premera, Horizon, and Tricare. We also accept most PPO plans from Cigna, Aetna, UnitedHealthcare, UMR, GEHA, Optum, NYSHIP, Healthscope, and Meritain.
Coverage typically applies to Partial Hospitalization (PHP), Intensive Outpatient (IOP), and Outpatient (OP) levels of care — for both women’s addiction treatment and mental health treatment.
Why in-network matters
Most women’s treatment programs in Southern California are out-of-network with HMO and EPO plans — which means large up-front payments or auth battles before treatment can begin. We chose differently.
Most PPOs from Cigna, Aetna, UMR, GEHA, UnitedHealthcare, NYSHIP, Optum, Healthscope, and Meritain are also accepted.
PPO, HMO, and EPO accepted
Out-of-network
Not sure if you’re covered? Verify your insurance in 2 minutes
What a VOB tells you
A Verification of Benefits is a confidential call our admissions team makes to your insurance carrier on your behalf. It returns:
PHP, IOP, OP — and whether each is in-network.
Whether prior auth is required, and exactly what's needed to get it.
The percentage you pay alongside what the plan covers.
What you've already paid toward your annual maximums.
Any caps your plan applies to specific levels of care.
Whether your plan covers EMDR, MAT, or other specialty modalities.
A VOB is not a claim. It doesn’t deduct from your benefits, doesn’t appear on your record as treatment, and doesn’t affect your premiums or eligibility.
Prefer to talk to someone?
Available 24/7. Free, confidential, and with no obligation to enroll.
Specific carrier information
Each plan has its own structure, prior-auth process, and quirks. Tap a carrier to see how it works in our outpatient program.
Don’t see your carrier? Call us at (866) 329-6639 — we can verify almost any major plan. You can also read Will insurance cover my treatment? for a broader walkthrough.
We offer private-pay options and can discuss case-by-case arrangements. Call us to talk through what's possible.
No. The verification is informational only. You can verify benefits and walk away, and nothing changes on your plan.
Substance use treatment records are protected by federal privacy laws, including 42 CFR Part 2 and HIPAA. Self-funded employer plans have different administrative access than fully insured plans, so if you have a specific concern about your plan, our admissions team can walk through it with you confidentially.
That depends on your plan, your remaining deductible, your coinsurance rate, and your annual out-of-pocket maximum. After we run your VOB, we'll walk you through the exact numbers in plain English — no surprises.
Most VOBs return within 24 hours during business days. Some plans return same-day. If you're in crisis, call us — we can often move faster.
Evidence & accountability
This page was reviewed by Zoe Tambling, LMFT on . The references below informed the specific topics noted with each citation.
