HealthLink Insurance Coverage for Alcohol & Drug Rehab
Discover how HealthLink’s plans cover addiction treatment, including inpatient and outpatient options, telemedicine, and more.
HealthLink Insurance Coverage for Alcohol & Drug Rehab
Discover how HealthLink’s plans cover addiction treatment, including inpatient and outpatient options, telemedicine, and more.
HealthLink was founded in 1984 and serves employers in Missouri and Illinois and surrounding states. They offer regional medical provider networks to self funded employer plans.
They also provide a medical management program that helps employers provide appropriate high quality care while keeping costs lower. These services include utilization management and case management along with comprehensive behavioral health services.
Finally employers can also take advantage of a telemedicine program and 24 hour nurse line to help their employees get the care they need more affordably without needing to leave home.
If you’re trying to understand what facilities are covered or which programs work best with your plan, you can learn more about rehab options to browse matching centers.
By Gayle Morris
Gayle Morris, BSN, MSN has over two decades of nursing practice with a clinical focus on rehabilitation medicine. She has published and lectured throughout her nursing and writing career. In the last 15 years, she has directed her energy and passion to create content that informs and educates readers with the goal of improving overall physical and mental health.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
One of the most thorough and holistic approaches to mental health there is! The treatment team and staff are incredibly invested in your recovery, they are kind, compassionate, and relatable! Highly, highly recommend this program for anyone struggling with mental health including: PTSD, Anxiety, Depression, OCD, Substance Use Disorder, Eating Disorder, etc.)
Joe Pascucci
1 week ago
Suncloud health is a trusted treatment program that I rely on to help clients and Lori is great to work with on referrals.
S Elliott
2 months ago
HIghly Recommend : the level of compassion, clinical expertise, and individualized attention at SunCloud is unmatched. If you are looking for a place to truly heal and reclaim your life, I cannot recommend SunCloud Health enough. They save lives.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Great place, Great staff, Henry especially will always check in on you and see how everything is going.
Jj Henny
1 week ago
Henry has been instrumental in providing a welcoming and warm environment. He is always there for conversation and guidance, and has given me invaluable tools to use towards my recovery.
Mary Cuneo
1 week ago
The personnel is wonderful in the meetings as well as I’ve learned that the fellowship and community is the most meaningful process of recovery. The Work Flex is great And Henry love is terrific always with the smile and willingness to accommodate any request. Five stars for him. The fact that we’re getting medicine at night between 1030 and 11 is brutal as we’re expected to wake up at six in the morning per your schedules, which goes against your other directive of getting eight hours of sleep. I also had my wife bring two ply toilet paper and it was rejected, which is a joke. No one should have one ply and I bet whoever is reading this uses two ply. I’d like to get that sent to my cottage ASAP. They also took a small tube of gorilla glue, which I was trying to help my roommates with to fix a pair of broken glasses and that wasn’t even recognized on the old held yet it wasn’t in my bag of goods I received either. Even though I’m able to use my phone during work, Flex, I think it’s unfair to the rest to not be able to use their phones for at least a half hour a day. At times feel like prisoners. Regardless of my complaints still fabulous recovery experience. Thank you.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Great experience. All the staff are very sweet and caring and the entire time I was here it was very helpful. Definitely recommend
cruizer8 the winner
1 week ago
I spent about three months in their IOP program, and it made a huge difference for me! Raj Iyer is a fantastic therapist, and the group facilitators do a great job at making the lessons engaging and relatable. As a college student, I was part of the young adult group, where my peers were welcoming and supportive. No matter what you’re struggling with, this is a program that’s worth trying.
sahasra
3 months ago
Embark is genuinely the best place to get treatment. I looked so different leaving the program than when I came in. The staff are so kind, considerate, they provide such helpful skills to help with mental health and urges. Ja’Monica, Susan, Myron, Loren, Jimmy, Terri, David, Maddie, Mona, Vessena, De’Ja, Sade, and Dr. Hooper yall are genuinely so precious to me and yall will always have a place in my heart. Ja’Monica was my personal therapist and I learned so much from her and her EMDR amongst all her other methods of therapy. I have nothing but good things to say about them. They’re also really good with security on a real note, they always make sure we as the clients are protected in every way shape or form. Susan will push you past your limits in the best way possible. If you get mad at what she says that’s in your best interest, you’ll know it’s what you need to work on 😂 THANK YOU EMBARK 💖💖💖
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Adult ProgramYoung Adult ProgramLGBTQ ProgramMilitary ProgramTeen ProgramSeniors Program
Private InsuranceSelf-Pay OptionsMedicareMedicaidMilitary InsuranceFinancial Aid
This facility is just amazing! Truly felt like everyone cared about me, and I can honestly say I trusted everyone in there. Trust is very hard for me, but the adult program and the staff allowed me to be myself with no judgement. I'm trying so hard to follow the rules and not name any staff but will give a broad review. Right when you walk in the staff is friendly, always smiling which in turn made me smile. The supervisor is amazing; the head of the counselors who leads the group therapy is one of the best people I ever met. The staff that lead the groups cared about me, and it was genuine, and they are so smart and fun. From the psychiatrist to my therapist everyone was on the same page. I just want to say thank you to everyone there from the bottom of my heart!
Brandon Nemeth
1 year ago
I had a wonderful experience with my program! Everyone was amazing and i truly wouldn’t be in such a good place in my life without the help from this facility! Life feels beautiful again and i couldn’t be more thankful! Brad is a wonderful human and you can really feel how much everyone there cares. Highly recommend for treatment programs and will be continuing my journey with my psychiatrist there! Thank you! 🩷
Shelby Clemens
1 year ago
Really caring staff that create a safe and welcoming atmosphere for patients. They provide lots of quality education/resources for behavioral health, along with making sure patients feel heard. A great choice for modern mental health services.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Private insuranceSelf-Pay OptionsMedicaidMedicareFinancial Aid
Muy bueno para terapia
Reyna Garcia
2 years ago
Gracias no tengo palabras,la terapeuta que tiene mi hija muy linda muy educada,gracias Conaway Melissa desde que entras a ese lugar son educados
Victoria Morales
3 years ago
You guys have been a very important part of my recovery and I must say my experience from the psychiatrist to the therapist and the group facilitator are all wonderful at what they do and I want to move to another state but I don't think I will find the level of care and professionalism I've received at midtown.
Always friendly, helpful, and care about the patients. Never had to wait to long to see the Dr. and the nurses are very thorough. The nurses aids are kind as far as if you need anything, like an extra blanket for your loved ones that are with you. Very clean rooms. There cafeteria food is very affordable, which is very helpful when you have to eat there. Just love the care that is given at St. Mery's. Oh yeah, can't forget about the beautiful gardens. When you're dealing with a sick loved one it's nice to take a breather and walk through the gardens. Great experiences, considering the circumstances. Thank you all for the hard work put into this beautiful hospital.
cree hunsaker
3 weeks ago
We have always had a good experience at SSM St. Mary's. Our most recent visit for stitches was smooth and quick. I was in and out in less than 55 minutes. All the staff were very kind and professional.
Sarah Weeks
2 months ago
10/10, for a quick and easy visit with some of the best hospitality and bedside manner I have ever witnessed, let alone received!
I came in for what I had thought was going to be a quick scan, lasted about an hour (not bad at all), and the service, lemme tell you, the service was simply top notch. Between here and the Jeff City VA Community Clinic, they've got some stellar nurses, doctors, and medical staff.
A special thank you to the student and staff who did my ultrasound!
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
After a terrible night at advocate Lutheran ER I came here and I was a little nervous but the man working reception was really nice. Then dr cohen was also nice, caring and helpful. The two nurses Morgan and Andre were awesome. I left feeling better physically and mentally after my visit. Thank you so much. 100% would recommend
brenda perez
4 months ago
Thank You for helping me with my anxiety. And getting a little more hydrated.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
At Quincy Recovery I found myself quietly observing everything during the first few days. I paid attention to how the staff moved through the halls, how they talked to people, and how the routines created a steady rhythm for everyone there. The environment felt structured but s till warm, which made it easier to open up at my own pace. Group sessions gave me a chance to watch how others worked through their challenges, and their honesty pushed me to reflect on my own patterns. Individual therapy felt like analyzing myself from a new angle, noticing things I had never questioned before. By the end of my stay, I realized I wasn’t just watching the process I was growing through it
Katalina Roach
9 months ago
They keep it real here. No sugarcoating. Just straight-up support, real help, and people who actually get it. I came in broken and left with a plan. Detox was rough, not gonna lie, but the team had my back every step 💪
The group sessions were solid, food was decent, and the vibe wasn’t all clinical like some other spots. If you're serious about getting clean and staying that way, Quincy’s worth checking out
Fallon Evans
1 year ago
Quincy Recovery gave me more than just a place to detox — they gave me a real shot at starting over. Everything felt calm and steady from day one. The staff was compassionate, but they also knew how to keep things structured so I didn’t fall off track.They weren’t just treating symptoms — they helped me figure out the why behind it all. I felt safe, supported, and actually hopeful for the first time in a long while. Quincy was the turning point I didn’t know I needed.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I greatly value my experience at SunCloud. Both the residential and outpatient programs were very helpful to my mental health journey. The community is outstanding, the staff is amazing and the sessions / courses were outstanding. I would highly recommend SunCloud for anyone who is struggling with any mental health or addiction issues as an outstanding resource. Thanks for everything!
Jake Szafranski
1 week ago
I went through the IOP at Suncloud for ~7 weeks, and I had a phenomenal experience. Every single staff is so caring and attentive, and they have all helped me tremendously on my mental health recovery. I learned numerous skills I'll be using in my day-to-day so I can continue onward with my mental health journey. I'm really grateful to SunCloud for helping me heal and connect with a community of folks who I can relate with and who can relate with my experience!
Faith
1 month ago
I had an incredibly positive experience with SunCloud Health. From the initial intake to the virtual IOP program, every team member went above and beyond. Everyone was so caring, professional, and supportive throughout the process. I am so grateful for my time here and highly recommend SunCloud to anyone seeking compassionate care.
Dr. Hogan is the best! I have never had a doctor who is so caring and actually concerned with my well-being. Most doctors have their nurses doing all of the work. Not Hogan! She takes time and patience with every visit. Thank you for being you!
Jeannie Perkins
2 weeks ago
I’ve had a great experience since I’ve been seeing Becky Harris diabetic specialist. She is very easy to talk to and straightforward in her communication. She encourages me to think and share what my goals are re: my health . She doesn’t tell me what to do … we are a team. My health journey is looking much more positive with Becky Harris’s involvement. Thank you Becky!!
Teresa Kiley
2 weeks ago
Very caring and understanding means a lot to me.
Barbara Young
2 weeks ago
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Frequently Asked Questions
Does HealthLink Cover Addiction Treatment?
HealthLink does have behavioral health services available to their clients but not all plans will choose to use them. Self funded employer health insurance plans are not required to cover mental healthcare or substance use treatment but many will.
To find out what your specific plan includes reach out to your benefits coordinator. They can help you contact in network providers and give you information about coverage for behavioral health services.
All insurance plans focus on covering medically necessary care and directing members toward evidence based programs. To ensure you get the right care be sure to work with your doctor to get a treatment plan that meets your needs. This will guide you toward the right rehab programs while also proving what services are medically necessary for you.
What Insurance Products Does HealthLink Offer?
Employers can get a few different insurance options for their self funded plans. The primary service HealthLink offers is a medical network that covers a small regional area. This will be more affordable than a national network for employers located in this area.
Many of the medical networks have multiple tiers available. This allows an employer to reward employees who choose lower cost providers while still offering freedom and a good choice of providers.
HealthLink also has a variety of medical management services. This includes precertification services and notification of emergency hospital admission. They also have case management to support those with chronic or severe medical conditions to help improve health outcomes.
Finally they also help connect employers to behavioral health services such as outpatient treatment and day treatment programs along with residential treatment centers.
One of the things that can save employers and their employees a lot of money is getting care at home instead of incurring the time and cost of visiting a hospital or clinic. HealthLink can provide health and wellness solutions such as a 24/7 nurse line and virtual medical care to serve as a low cost first line of treatment for members.
What Perks Come With HealthLink Plans?
Within HealthLink’s provider networks to self funded employers there are additional benefits to help members make healthy lifestyle choices. This benefits everyone since healthier employees are more productive and take fewer sick days. It’s important to discuss these benefits with your employer since not all plans have them.
Inside the member toolbox is a program called The Last Cigarette which gives members the tools and support they need to quit smoking. This includes tips to help you get started and tools you need once you’ve quit.
HealthLink provides members with resources to find an emergency room alternative to reduce costs but still receive quality care. That helps you save money while still ensuring you get the emergency care you need.
HealthLink also provides an Employee Assistance Program that employers can include in their insurance offering. EAP services include legal and financial information and mental health resources as well as tips on learning how to improve work/life balance. Finally the Crown Vision benefit offers discounts on eye exams as well as frames and contact lenses for your whole family.
What Inpatient Addiction Treatment Does HealthLink Cover?
While self funded insurance plans are not required to cover addiction treatment many do offer some coverage. Coverage for inpatient addiction treatment is based on medically necessary care. Medical necessity means the insurance company deems the treatment or service to be essential to the diagnosis, prevention or treatment of a condition.
To prove medical necessity your doctor might provide a treatment plan or recommendations from therapists. They might also give you an assessment from the American Society of Addiction Medicine (ASAM). This is a multidimensional tool that helps clinicians determine the level of care required for treatment. It’s a structured approach to ensure you get individualized and appropriate care.
Inpatient addiction treatment typically begins with medical detoxification. This is a process in which you are supported through withdrawal which may include the use of FDA approved drugs to reduce withdrawal symptoms and prevent adverse complications.
Once your body has detoxified from the addictive substance, you may move into inpatient or residential care using evidence based therapies that address addiction triggers and teach coping strategies along with life skills that help you establish long term recovery and avoid relapse.
What Outpatient Rehab Does HealthLink Cover?
Treatment centers typically use a comprehensive assessment to determine the level of care required in your initial treatment. Be sure to verify your insurance coverage details before entering treatment so you are not surprised by the cost. Self funded plans can vary widely in terms of coverage and limitations as well as requirements including prior authorization.
Outpatient treatment programs may be offered on three levels. A Partial Hospitalization Program (PHP) is the most intensive treatment available as an outpatient. Many programs offer treatment for several hours each day over at least five days each week. The program is beneficial for you when you have a stable and supportive home environment so you can receive therapy during the day and return home in the evening.
An Intensive Outpatient Program (IOP) provides many of the evidence based therapy treatments available in a PHP but over fewer hours each week and with greater flexibility. Some treatment centers offer programs in the morning hours and evening hours to accommodate your work and school schedule.
Finally a traditional outpatient program offers therapy one to two days per week and may include individual and group therapy options. After completing an inpatient or outpatient program you may be eligible for an aftercare program during which you may have access to vocational training and additional group and individual therapy along with community support groups and educational help.
Does HealthLink Cover Methadone & Suboxone (MAT)?
If Medication Assisted Treatment (MAT) is covered by your insurance plan it can be a helpful treatment. MAT can be used during medical detox to reduce withdrawal symptoms during your initial treatment.
MAT can also be used in ongoing treatment for opioid and alcohol use disorders. The FDA approved medications help reduce cravings and the risk of overdose. Methadone and Suboxone are just two of the medications that may be chosen for treatment depending on the substance and the severity of your addiction.
Does HealthLink Cover Other Mental Healthcare?
Self funded plans are not required by federal law to include coverage for mental health disorders. However many of them do as it helps protect the employee and the business. It’s important to check your insurance coverage before beginning care so you do not receive a surprise bill.
Mental health care options are varied and depend on your immediate and long term needs. For example your insurance provider may cover the cost of crisis support that provides immediate assistance when you’re experiencing severe emotional distress or suicidal thoughts or other mental health emergencies. Your coverage may also include evidence based therapies to address your mental health needs.
Co occurring mental health disorders are commonly diagnosed in people with a substance use disorder or addiction. This is called a dual diagnosis and requires integrated care that’s offered simultaneously for addiction and mental health. Specialized dual diagnosis treatment supports long term and sustainable recovery.
Does Addiction Treatment Need to Be In Network?
The determination if you can receive treatment in network or out of network is not made by HealthLink but rather by your employer’s self funded plan. Some programs allow you to receive care out of network. Your employer may offer a full three tiered plan which may include a health maintenance organization (HMO) and preferred provider organization (PPO) along with out of network services.
When out of network services are available, they are usually at a higher cost to you. These costs include a higher deductible and co payment or coinsurance. When you stay in network you can maximize your insurance coverage and receive more therapy for less out of pocket cost. It’s important to review your plan carefully so you can make an informed decision about using an out of network provider.
What to Do if HealthLink Won’t Cover the Cost of Rehab
There may be instances when your insurance provider covers addiction treatment but it is limited. If you have a lack of coverage it’s still important to get the care you need to break the cycle of addiction and improve your mental health. There are several ways of accomplishing this.
Many treatment centers will work with you to help cover at least some of the cost by guiding you in finding financial assistance within the community. For example some community or nonprofit organizations offer grants and scholarships for addiction treatment. You might consider a personal loan so you can pay the cost over time or crowdfunding to get help from friends and family as well as a wider online network.
Some treatment centers also have sliding scale fees and payment plans when you qualify. Treatment centers that accept Substance Use And Mental Health Block Grants from the Substance Abuse and Mental Health Services Administration may also offer grants and scholarships.
You might also consider low cost rehab facilities such as the Salvation Army which allows you to work for them instead of paying for services. State and county run programs are also typically inexpensive for local residents.
How to Verify Coverage With HealthLink
Before beginning treatment it’s important to verify your coverage with your insurance plan and HealthLink. Start with the benefits manager within your organization. They may give you the customer service or member services number for HealthLink.
Member services for HealthLink or your insurance provider can give you benefit advice and help determine what is and is not covered.
It’s important to speak with your insurance company and HealthLink to get the best information since self funded plans are typically one of a kind. The member services department will have the most accurate information about your insurance plan.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
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