Understand your coverage before care begins.
Benefits can differ even between plans from the same insurer. We check your specific policy and explain the likely cost before you decide.
In network
Insurers we're in network with.
We're in network with these plans. Coverage still varies by policy, so we verify your specific benefits and explain your expected costs before care begins.
Don't see your plan? Check your coverage — we'll verify your specific benefits and let you know what comes back.
What happens when you call
What happens when we check your benefits.
- 01
Call us
Tell us which insurance plan you have. We’ll tell you what we know about your coverage right away, and what we still need to check.
- 02
We gather the details
Our admissions team contacts your insurer to verify your benefits and confirm what’s covered for IOP and PHP specifically, before any commitments are made.
- 03
We explain your costs
We walk you through what your plan covers and what your out-of-pocket costs are likely to be, so you can make the decision with the numbers in front of you.
- 04
You decide
Once you know the numbers, you decide whether to move forward. If you do, a typical start is three to five days from first contact.
We do not accept Medicaid. Self-pay is available. Call our admissions team for details.
Understanding how your coverage works.
A few terms come up again and again when families call about coverage. Here is what each one means in plain language.
Copay
A flat amount you pay per session or per day of treatment, set by your insurance plan.
Coinsurance
A percentage of the service cost you pay after your deductible is met.
Deductible
The amount you pay out of pocket before your insurance starts covering services.
Out-of-pocket maximum
The most you pay for covered services in a plan year. After you reach it, your plan pays the full cost of covered services.
PHP and IOP often use daily rates or weekly bundles. Weekly outpatient therapy usually bills per session. Our team will walk you through how your specific plan applies to our programs.
Your specific plan
We verify your plan directly.
Network participation and benefits differ from plan to plan and can change. Admissions checks your exact policy and tells you what the insurer confirms.
Questions to ask your insurer.
If you’d like to check things yourself before you call us, these are the questions to ask.
- Is Joshua Tree Health in network with my specific plan?
- Does my plan cover partial hospitalization (PHP) and intensive outpatient (IOP) programs?
- What is my deductible, and how much of it have I met?
- Do I have a copay or coinsurance for these services?
- Is prior authorization required before starting a program?
- What billing codes will be used? (We can provide these on request.)
What admissions handles with you.
Our admissions team will:
- Verify your benefits before care begins
- Explain what your plan covers for PHP and IOP specifically
- Help manage prior authorization and communication with your insurer
- Answer questions about copays, deductibles, and what to expect at billing
Not sure where to start? Call us. We’ll figure it out together before anything begins.
Check your coverage→