Will my insurance cover rehab?

For most PPO plans: yes, substantially. The Mental Health Parity and Addiction Equity Act requires most insurance plans to cover substance use and mental health treatment at the same level as other medical conditions. The specific coverage varies by plan, including deductible, coinsurance, prior authorization requirements, and covered treatment days.

Will I have to pay anything out of pocket for rehab?

Almost certainly some amount. Most plans have a deductible (the amount paid before coverage begins) and coinsurance (a percentage paid after the deductible). Exact out-of-pocket cost depends on the specific plan and how much of the annual benefits have already been used. Maverick's admissions team provides a dollar-amount estimate before treatment begins.

Will my employer find out I'm verifying coverage for rehab?

No. Insurance verification is confidential under HIPAA and, for substance use treatment, under 42 CFR Part 2. Employers, supervisors, and HR departments are not contacted as part of verification. The verification process happens directly between Maverick Behavioral Health and the insurance carrier.

How long does insurance verification take?

Insurance verification is typically completed within 1 business hour. Requests submitted outside of business hours are processed the next business morning.

What if Maverick is out of network with my insurance?

Out-of-network coverage can still pay a significant portion of treatment costs, but the math is different than in-network coverage. Maverick's admissions team will explain out-of-network benefits clearly, including expected out-of-pocket cost, before any commitment to treatment.

Verify Your Insurance Coverage for Rehab

Q: What if I don't have insurance?

Maverick offers self-pay options, and many clients combine partial insurance coverage with self-pay arrangements. Call (888) 385-2051 to discuss available options.

Most major PPO insurance plans cover addiction and mental health treatment at Maverick. Fill out the form and our admissions team will verify your benefits and call you back — usually within the same business hour — with a clear answer on what’s covered and what your estimated out-of-pocket cost will be.

Prefer to talk to someone directly? Call (888) 385-2051 — our admissions team can verify your benefits while you’re on the phone.

Verify Insurance

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What happens after you submit

This is where most treatment-center pages lose visitors — vague “we’ll be in touch” messaging makes people imagine getting trapped in a sales pipeline. Be specific:

After you submit the form, here’s exactly what to expect:

Within 5 minutes — You’ll get a confirmation email letting you know we received your information.
Within 1 business hour (during business hours) — Our admissions team contacts your insurance carrier directly to verify your benefits. We confirm what level of care is covered (PHP, IOP, outpatient), what your deductible and coinsurance look like, and what your estimated out-of-pocket cost would be.
We call you back with the results at the time you indicated. This call is a clinical and benefits conversation, not a sales pitch. You’ll get a clear breakdown of your coverage, and our team can answer any questions about programs, scheduling, or the admissions process.
You decide what to do next. That might be scheduling an admission, getting a clinical assessment, taking time to think about it, or deciding Maverick isn’t the right fit. All of those are valid responses — we don’t push.

If you submit outside of business hours, we’ll reach out the next business morning.

Insurance plans we accept

Maverick is in-network with most major PPO insurance carriers, including:

Aetna
Anthem
Cigna
GEHA
Blue Cross Blue Shield (BCBS) — most Texas and out-of-state PPO plans
United Healthcare — most PPO plans
Beacon Health Options

We also work with many other PPO carriers on an out-of-network basis, and many of those plans still provide substantial coverage for our level of care.

If you don’t see your insurance listed, submit the form anyway — we verify benefits across virtually every PPO carrier in the country, and we can tell you within an hour whether your specific plan is covered and at what level.

Questions about insurance coverage

Will my insurance actually cover rehab?

For most PPO plans: yes, substantially. The Mental Health Parity and Addiction Equity Act requires most insurance plans to cover substance use and mental health treatment at the same level they cover other medical conditions. What varies is the specific coverage — your deductible, your coinsurance percentage, whether prior authorization is required, and how many treatment days are covered before any review.

What does "in-network" mean for me?

In-network means Maverick has a negotiated rate with your insurance carrier, which typically results in lower out-of-pocket costs for you. Out-of-network coverage can still pay a significant portion of treatment costs, but the math is different and depends on your plan’s out-of-network benefits.

Will I have to pay anything?

Almost certainly some amount — most plans have a deductible (the amount you pay before coverage kicks in) and coinsurance (a percentage you pay after the deductible). Your exact out-of-pocket cost depends on your specific plan and how much of your benefits you’ve already used this year. Our admissions team will give you an estimate, in dollars, before you commit to anything.

Does insurance cover PHP and IOP equally?

Coverage levels are usually similar across both PHP and IOP, though IOP often costs less out-of-pocket because it involves fewer treatment hours per week. The same applies to standard outpatient.

Will my employer find out I'm verifying coverage?

No. Insurance verification is confidential under HIPAA and (for substance use specifically) under 42 CFR Part 2. Your employer, your supervisor, and your HR department are not contacted as part of verification. The verification process is between Maverick and your insurance carrier directly — your employer plays no role in it.

What if my insurance denies coverage?

We work to appeal denials when there’s clinical justification, and we can talk through other options — including out-of-network coverage, payment plans, or other facilities that might be a better fit financially. We won’t pretend a denial isn’t a denial.

What if I don't have insurance?

We offer self-pay options, and many clients combine partial insurance coverage with self-pay arrangements. Call (888) 385-2051 to talk through what’s possible.

Confidentiality and HIPAA

The information you provide on this form is protected by HIPAA (the federal Health Insurance Portability and Accountability Act) and, for substance use treatment specifically, by 42 CFR Part 2 — the most stringent federal privacy regulation governing healthcare in the United States.

Practically, this means:

Your insurance carrier is contacted by Maverick directly. They are required to keep verification requests confidential.
Your employer, your manager, your HR department, and your family members are not contacted unless you explicitly authorize it in writing.
The information you submit is stored on encrypted servers and accessible only to Maverick’s admissions and clinical teams.
If you decide not to pursue treatment with us, your information is retained per HIPAA requirements and used only for required compliance purposes.

For full details on how we handle protected health information, see our Privacy Policy and HIPAA Notice.

Maverick is accredited and licensed

Joint Commission Accredited — the gold standard for healthcare quality and safety in the United States
Licensed by the Texas Department of State Health Services — the regulatory authority for substance use treatment facilities in Texas
LegitScript Certified — verified as a legitimate addiction treatment provider following industry ethical and operational standards