Insurance Verification | Valley Spring Recovery Center

Accepted Insurance Carriers

16 Insurance Providers

Valley Spring works with major insurance carriers across New Jersey and the tri-state area so that cost is never a barrier to treatment.

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Horizon Blue Cross

NJ's Largest Carrier

NYSHIP

NY State & Local Employees

Aetna

National PPO & HMO

Anthem

Blue Cross Affiliate

Cigna

National PPO & EAP

Blue Cross Blue Shield

Multi-State Network

Amerihealth

Mid-Atlantic Regional

Oscar

Individual & Marketplace

Meritain

Third-Party Administrator

Fidelis Care

NY Managed Care

United Healthcare

National Network

UMR

UHC Third-Party Admin

Tricare

Military & Veterans

Compsych

EAP & Behavioral Health

Highmark

Blue Cross Affiliate

Magellan Health

Behavioral Health Specialty

Horizon Blue Cross

NYSHIP

Aetna

Anthem

Cigna

Blue Cross Blue Shield

Amerihealth

Oscar

Meritain

Fidelis Care

United Healthcare

UMR

Tricare

Compsych

Highmark

Magellan Health

Free & Confidential

Verify Your Benefits Online

Submit your insurance details below and our admissions team will confirm your coverage, explain your benefits, and outline any out-of-pocket costs — typically within minutes.

Understanding Your Benefits

How Insurance Covers Addiction Treatment

The Mental Health Parity and Addiction Equity Act requires most insurance plans to cover substance use disorder treatment at the same level as medical and surgical care. Here's how the process works at Valley Spring.

Pre-Authorization

Your insurance company reviews the clinical necessity of treatment. Valley Spring's admissions team handles this entirely on your behalf — we submit all required documentation and follow up until approval is confirmed, typically within 1 hour.

Benefits Verification

We confirm your specific coverage details: deductible status, copay amounts, coinsurance percentages, session limits, and any pre-existing condition clauses. You'll know exactly what your plan covers before your first day.

Level of Care Matching

Insurance covers different levels of care based on clinical need. Our clinical team conducts a biopsychosocial assessment to determine the appropriate ASAM level, which directly maps to the care your insurer will authorize.

Utilization Review

Throughout treatment, Valley Spring coordinates with your insurer for continued authorization. As you progress through our Restore, Activate, Accelerate, and Thrive stages, we ensure seamless coverage transitions at every step.

Claims & Billing

We submit all claims directly to your insurance company. You never have to deal with billing paperwork. Our team also helps resolve any coverage disputes and works to minimize your out-of-pocket responsibility.

Deductible

The amount you pay out-of-pocket before your insurance begins covering treatment costs. Many plans have met or partially met deductibles by mid-year.

Copay / Coinsurance

A fixed amount (copay) or percentage (coinsurance) you pay for each covered service after meeting your deductible. Amounts vary by plan.

In-Network vs. Out-of-Network

Valley Spring is in-network with all 16 accepted carriers, meaning lower out-of-pocket costs and no balance billing surprises for our clients.

Prior Authorization

Approval from your insurer before treatment begins. Our admissions team handles the entire process — you don't need to make a single call.

Mental Health Parity

Federal law requiring insurers to cover behavioral health services (including addiction treatment) equally to medical/surgical services.

Out-of-Pocket Maximum

The most you'll pay in a plan year. Once reached, your insurance covers 100% of remaining covered services for the rest of the year.

Levels of Care & Coverage

ASAM Levels of Care at Valley Spring

The American Society of Addiction Medicine (ASAM) defines standardized levels of care that insurance companies use to determine coverage. Valley Spring offers four distinct levels — each covered by most insurance plans.

2.5

Partial Hospitalization

Partial Care Program (PHP)

Our most intensive outpatient level. Mon-Sat, 9 AM - 3 PM. Structured daily programming for individuals stepping down from inpatient or requiring intensive stabilization. 4-6 weeks typical duration.

2.1

Intensive Outpatient

IOP 5-Day & IOP 3-Day

Evening programming (6-9 PM) that allows clients to maintain work, school, and family commitments. 5-day or 3-day tracks available. Most commonly authorized by insurance for step-down care.

2.1

Virtual Intensive Outpatient

Virtual IOP Program

Same clinical rigor as in-person IOP delivered through secure, HIPAA-compliant telehealth. Dedicated virtual therapists and case managers. Covered by most plans at the same rate as in-person.

1.0

Outpatient

OP & Alumni

1-2 sessions per week for clients in later stages of recovery. Individual therapy and ongoing support. Alumni program provides continued community connection at no cost.

Insurance coverage note: Most insurance plans authorize treatment at the level of care determined by your clinical assessment. Valley Spring's clinical team conducts a thorough biopsychosocial evaluation to determine the most appropriate ASAM level. We handle all prior authorizations and utilization reviews with your insurer to ensure continuous, uninterrupted coverage throughout your treatment journey.

Insurance Questions

Frequently Asked Questions

Can't find your answer here? Call our admissions team at (201) 781-8812 — available 24/7 for confidential guidance on insurance and coverage questions.

What insurance plans do you accept?

Valley Spring accepts 16 major insurance providers: Horizon Blue Cross, NYSHIP, Aetna, Anthem, Cigna, Blue Cross Blue Shield, Amerihealth, Oscar, Meritain, Fidelis Care, United Healthcare, UMR, Tricare, Compsych, Highmark, and Magellan Health. We are in-network with all listed carriers, which means lower out-of-pocket costs for you.

How long does insurance verification take?

In most cases, our admissions team can verify your insurance benefits within minutes of receiving your information. More complex cases may take up to a few hours. We prioritize speed because we understand that the decision to seek treatment is time-sensitive — most clients can begin treatment same day or next day.

What if my insurance isn't listed?

Even if your insurance provider isn't listed, we encourage you to call us at (201) 781-8812. We may still be able to work with your plan, especially if it includes out-of-network benefits for behavioral health services. Our admissions team will review your specific policy and help you understand all available options.

Will I have any out-of-pocket costs?

Out-of-pocket costs depend on your specific plan's deductible, copay, and coinsurance structure. Many clients have minimal out-of-pocket expenses, especially if their deductible has already been met. During the verification process, we provide a clear breakdown of your expected costs so there are no surprises.

Does insurance cover virtual/telehealth treatment?

Yes. Most insurance plans now cover virtual intensive outpatient programs (Virtual IOP) at the same rate as in-person treatment. Valley Spring's Virtual IOP is delivered through secure, HIPAA-compliant technology by dedicated virtual therapists and case managers. We verify telehealth coverage as part of our standard benefits check.

Do you handle pre-authorization?

Absolutely. Our admissions team handles the entire pre-authorization process on your behalf. You don't need to make a single call to your insurance company. We submit all required documentation, follow up until approval is confirmed, and manage ongoing utilization reviews throughout your treatment.

What levels of care does insurance cover?

Insurance typically covers all four ASAM levels offered at Valley Spring: Partial Care/PHP (ASAM 2.5), Intensive Outpatient/IOP (ASAM 2.1), Virtual IOP (ASAM 2.1), and standard Outpatient (ASAM 1.0). The level authorized depends on your clinical assessment and medical necessity, which our team determines during your intake evaluation.

Is the verification process confidential?

Yes. All information you provide is strictly confidential and protected under HIPAA regulations. Your employer will not be notified, and the verification process does not affect your insurance status or premiums. We treat every inquiry with the utmost discretion.

Does insurance cover MAT (medication-assisted treatment)?

Most insurance plans cover medication-assisted treatment (MAT) as part of addiction treatment. Valley Spring offers Suboxone, Vivitrol, Naltrexone, Brixadi, and other buprenorphine medications. Coverage for specific medications varies by plan — our team verifies MAT coverage as part of your benefits check.

Can I use insurance for the Mental Health Program?

Yes. Valley Spring is licensed for both substance use disorder and mental health treatment in New Jersey. Our Mental Health Program (Virtual 3-Day) is covered by most insurance plans under mental health/behavioral health benefits. The Mental Health Parity Act requires insurers to cover mental health services at the same level as medical services.

Verify Your Insurance Coverage