Insurance and costs

Paying for treatment: insurance, TRICARE and VA Community Care

Before you start treatment at True Again Care, a program of FHE Health, the admissions team checks your benefits and explains what you may have to pay. Here is how each way of paying works.

Call (833) 596-3502 What happens when you call

How paying for treatment works

Coverage depends on your plan, your diagnosis, the level of care, your plan's approval rules and other factors. That is why FHE Health's admissions team checks your benefits before treatment begins and explains possible out-of-pocket costs.

Checking your benefits does not commit you to treatment at FHE Health.

Ways to pay at a glance

How you pay	Where FHE Health stands	What to know
Commercial (private) insurance	FHE Health works with many commercial insurance plans.	Coverage depends on your plan. Admissions checks your benefits before admission.
TRICARE	FHE Health is a TRICARE-contracted treatment center that works with TRICARE East, Select and Prime.	Non-emergency residential care needs preauthorization. TRICARE Prime members usually need a referral from their primary care manager.
VA Community Care	FHE Health is a credentialed VA Community Care Network provider for mental health and substance use care.	You need approval from your VA health care team before care begins. You cannot self-refer.
Medicaid and Medicare	FHE Health does not accept Medicaid or Medicare.	SAMHSA's National Helpline and FindTreatment.gov can help you find programs that do.
Self-pay	FHE Health offers self-pay.	Admissions explains possible costs before treatment begins.

Commercial insurance

FHE Health works with many commercial insurance plans, but every plan is different. Whether your plan covers treatment at FHE Health depends on your plan, your diagnosis, the level of care and your plan's approval rules.

Network status matters. A plan's network is the group of providers it has contracted with. If a provider is out of network for your plan, your share of the cost is usually higher.

Your plan may also require preauthorization: a decision by your plan that a service is medically necessary. Preauthorization is not a promise that your plan will pay. The admissions team can check what your plan requires before treatment begins.

Insurance words, in plain English

Deductible. The amount you pay for covered services before your plan starts to pay.
Copayment. A fixed amount you pay for a covered service after you have paid your deductible.
Coinsurance. The percentage of the cost of a covered service you pay after you have paid your deductible.
Out-of-pocket maximum. The most you have to pay for covered in-network services in a plan year. It does not include your monthly premiums or services your plan does not cover.
Network. The providers and facilities your plan has contracted with. Out-of-network care usually costs you more.
Preauthorization. Your plan's decision that a service is medically necessary, often needed before care begins. It is sometimes called prior authorization.

TRICARE

FHE Health is a TRICARE-contracted treatment center that works with TRICARE East, Select and Prime.

TRICARE may cover substance use care, including withdrawal management (detox), inpatient services, partial hospitalization, intensive outpatient programs, medication-assisted treatment and mental health services. It covers services that are medically necessary and proven. It does not cover unproven treatments.

Under TRICARE policy, non-emergency inpatient or residential substance use treatment needs preauthorization. For PHP and IOP, TRICARE's sources differ. The TRICARE Policy Manual says they do not need preauthorization, but TRICARE's website says care from an institutional provider does. Your regional contractor may also have its own rules, so ask before care starts.

TRICARE Prime members need a referral from their primary care manager for residential, PHP and IOP care, unless a network provider requests preauthorization instead.

TRICARE may not cover every service FHE Health offers, such as some wellness services. Admissions can check this with your plan before services start. For more detail, including what an active duty member's command can learn, read using TRICARE or VA Community Care.

VA Community Care

FHE Health is a credentialed VA Community Care Network provider for mental health and substance use care. VA Community Care always starts with the VA. You cannot self-refer.

To use community care, you must be enrolled in or eligible for VA health care. Your VA health care team must also approve the care before it begins. The exceptions are certain cases, such as urgent or emergency care.

VA decides who qualifies. For example, you may qualify if VA cannot offer you mental health care within a 30-minute average drive or a 20-day wait. You may also qualify if VA does not offer the service you need, or if you and your VA provider agree that community care is the right medical choice for you.

Start by talking with your VA health care team. Learn more on our veterans and military page.

Medicaid and Medicare

FHE Health does not accept Medicaid or Medicare. SAMHSA's FindTreatment.gov lists FHE Health's accepted payments as TRICARE, private health insurance, and cash or self-payment.

If you have Medicaid or Medicare, or no insurance, you still have options. SAMHSA's National Helpline at 1-800-662-4357 is confidential and open 24/7 in English and Spanish. If you have no insurance or not enough coverage, the helpline can refer you to your state office for state-funded treatment. It can often point you to programs that charge on a sliding fee scale or accept Medicare or Medicaid.

You can also search FindTreatment.gov, SAMHSA's confidential treatment locator, and filter results by payment type, including Medicaid.

Self-pay and services with separate costs

FHE Health offers self-pay for people who do not have insurance or choose not to use it. The admissions team explains possible costs before treatment begins.

Some of FHE Health's brain-based services may be covered by insurance, while others are self-pay. Admissions reviews this based on your coverage and clinical need. Learn more about brain-based care.

On-campus housing during PHP or IOP is available at additional cost and is separate from the clinical program.

What to have ready when you call

You do not need everything on this list to call. These items help the admissions team check your benefits and understand your needs:

Your insurance card, or your plan name and member ID number
For TRICARE: your plan type and region, and any referral or authorization you already have
For VA Community Care: your VA authorization letter. If you do not have one yet, talk with your VA health care team first
A list of the medicines you take
Your questions about costs, such as your deductible and copayments

Common questions about paying for treatment

Will my insurance cover treatment?

It depends on your plan, diagnosis, level of care and approval rules. The admissions team checks your benefits and explains possible out-of-pocket costs before treatment begins.

Does checking my benefits mean I have to go to FHE Health?

No. Checking your benefits does not commit you to treatment at FHE Health.

Can I use VA Community Care at FHE Health?

Only with approval from your VA health care team before care begins. Veterans cannot self-refer to community care, so start by talking with your VA team.

Do I need a referral to use TRICARE?

It depends on your plan. TRICARE Prime members usually need a referral from their primary care manager for residential, PHP and IOP care. Non-emergency residential care needs preauthorization.

What if I have Medicaid or Medicare?

FHE Health does not accept them. Call SAMHSA's National Helpline at 1-800-662-4357 or search FindTreatment.gov for programs that do.

Does on-campus housing cost extra?

Yes. On-campus housing during PHP or IOP is available at additional cost and is separate from the clinical program. Ask the admissions team what it costs and how it is paid.

Ask us to check your benefits

Call (833) 596-3502 to talk with FHE Health's admissions team. They can check your coverage, explain possible costs and answer your questions. Checking does not commit you to treatment.