Insurance tool
Get your real numbers in five minutes.
Call the number on the back of your card and ask these questions. Write down the date, the name of the person, and a reference number.
Ask in this order
Eight questions
- What is my deductible, and how much of it have I met this year?
- What is my out-of-pocket maximum, and how much have I met?
- Is residential treatment covered for substance use? Does it need prior authorization?
- What is my coinsurance for in-network and out-of-network care?
- Is detox covered, and at what level of care?
- Is the program I am looking at in network? Ask for the facility by its full legal name.
- Are medications for addiction treatment covered, and at what cost?
- Can you send this to me in writing, and what is the reference number for this call?