Discover how HealthSmart helps organizations build custom health plans, including options for addiction treatment and care management.
HealthSmart Insurance for Drug & Alcohol Rehab
Discover how HealthSmart helps organizations build custom health plans, including options for addiction treatment and care management.
HealthSmart provides medical network options to employers who choose to self fund their health coverage for employees or organization members. They serve health insurance brokers who need custom solutions for clients as well as employers and Native tribes and anyone else who pays for health insurance coverage for an organization.
Clients can get ready made health benefit plans or simply opt for a medical network solution. The company also offers care management services and claims processing technology along with robust reporting so clients can understand their health care coverage and spend.
HealthSmart focuses on not only saving clients money and providing efficient solutions but also on treating health plan members with dignity and respect.
Does HealthSmart Cover Addiction Treatment?
HealthSmart helps employers and other organizations build health solutions but they don’t determine what services are covered or what level of coverage is available. That is up to the employer or organization.
Self funded health plans don’t have to offer the 10 essential health benefits listed in the Affordable Care Act (ACA) although many plans do. If self funded plans offer mental health or addiction coverage they are required to provide them at the same level of coverage as other medical care in accordance with the 2008 Mental Health Parity Act.
Because self funded plans vary widely it’s especially important to check with your organization’s benefits specialist to get the full details on your coverage. That way there won’t be any unexpected challenges when you start treatment.
If you’re reviewing recovery programs or confirming what your insurance supports, you can learn more about rehab options to evaluate nearby facilities that may qualify.
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.
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance Abuse
Adult ProgramYoung Adult ProgramProgram For MenProgram For Women
Private InsuranceSelf-Pay OptionsFinancial Aid
DPR was truly an amazing experience. They genuinely care about you and your recovery journey. Lucus pours his heart into this place and it shows. Cindy, TJ and JJ were extremely supportive and personable. The nurses, Amanda, Kenya, Bradie, and Kate were so kind and helpful. And of course Drew and Star were a highlight with the awesome food they prepared and had really great insight. It is truly a gem in the recovery community.
Lakyn Discher
2 months ago
The facility, staff and overall program was first rate. I cannot recommend Discovery Point enough to those seeking help with learning to control an addiction and living a clean healthy life.
Jim Heitz
4 months ago
I don’t even know where to begin. This treatment center is truly changing lives. My husband attended their program during one of the hardest times our family has ever faced, and I can confidently say they gave us hope and confidence in his recovery.
From day one, the staff treated him with compassion and dignity. They weren’t just professionals—they were caring, patient, and truly passionate about helping people rebuild their lives. The counselors went above and beyond, not just helping him work through addiction, but helping him rediscover who he is without it.
What meant the most to me as a spouse was how they kept family involved and supported throughout the process. I felt heard and understood. This wasn’t just treatment—it was transformation.
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.
This was my first time ever at a detox and what I could actually say is that this is the best detox. I’ve experienced lots of amazing food and the staff is great TJ Kathy Jen and Jonathan were my favorite out of the whole crew not saying that the rest of them weren’t respectful, but they were always accommodating me on my needs and checking up on me and making sure that I felt comfortable, especially with it being my first time ever at a detox treatment I definitely recommend this spot to people who are trying to get off drugs. I have lots of freedom. I’m able to have my tablet. They have amazing food. They’re super nice. They also give the shakes because I’m skinny. And it’s very well needed because I needed to gain weight and honestly, I’ve been here for four days and I’ve already gained 8 pounds
Steph m
2 weeks ago
This place actually cares about clients. That’s more than you can say about most places in S Florida. I highly recommend Summer House.
Cole Goulet
2 weeks ago
Yo this place has helped me tremendously when I was down and out. I successfully completed my detox and they assisted me into another facility for more treatment and made me feel as if I was taken care of and they would continue to support me although I'm leaving. I definitely recommend and will come back here specifically if I ever do need some more assistance with my substance treatments. #ughhh #hofrome #illughhhminati #igot
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 personally highly recommend this program. I wish it had found me sooner. It is a safe and welcoming environment where you can discover how to heal and grow from your addiction. The schedule is flexible to your needs and each group addresses different topics that range from life goals to dealing with personal situations. If you apply yourself, this program will touch every aspect of your life positively and you will be able to enjoy life to its fullest.
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.
Discovery Point is one of the best places to go for IOP or PHP. It helped me get structure back in my life My confidence is alot stronger.All around great program
IF your looking for sober living/ PHP & IOP. Discovery point is the place to fo!!
John Roberts
1 month ago
I went some years back and it ultimately changed my life…The place is welcoming and doesn’t feel like a prison…I also met some great people
crenisha busby
2 months ago
I just left this place last week, and I loved my time there. It truly helped me a lot I moved on to the next steps of the program but I genuinely miss it there. Chef is amazing and a lot of the therapists and staff are great.
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.
THIS IS YOUR SIGN. if you’re reading this review you are probably in the position I was in 3 months ago. You’re hopeless, you’re at the end of your rope. You see no way out, you’re sick and tired of being sick and tired. This is your sign. You don’t have to live like this anymore. Please listen to me. You’re worth it. You’re worthy of life and worthy of recovery. Hi I’m Cameron and I’m alcoholic, an alcoholic who sees the light at the end of the tunnel for the first time in a long time. I checked into FBTS on September 22nd 2025, lost, confused, and terrified. It was the best decision I have ever made, a choice that undoubtedly saved my life. Over the last 3 months I have made connections that will last me a lifetime time, made friends i will never forget. This program, these staff members, these classes are a miracle you get to witness. Every single staff member is an angel who genuinely and truly cares about you and your recovery, the kitchen staff make excellent food that keeps you nourished and ready to take on your day, even the cleaning staff care about you and your life. You owe it to yourself to come here and get sober. It’s okay to not be okay and this place will embrace you just as you are. A mix of SUD and mental health counseling couples with outdoor activities like pickleball, basketball, badminton, and volleyball, a fully stocked gym and a couple miles of beach front trials to explore make your recovery feel like a vacation. Almost everything is taken care of for you so you have time to focus on what’s most important right now. You. I promise you if you come here you will NOT regret it, it will save your life and you will see that light at the end of the tunnel just like I do.
Cspeazy
6 days ago
When I was lost and had no hope. When my world was torn upside down and had no idea where to even begin. By the grace of the universe I was referred to Free by the Sea by a friend. I called them and was met with compassion and understanding. They guided me through the intake process and for the first time in a long time I felt heard. I felt seen. I completed their 30 day residential program and stayed longer for their IOP program and they literally saved my life. The staff and activities, the classes and their content, was exactly what I needed to get my life back on track. I found peace and safety. They fostered a place for me to fight my addiction and heal my heart. This was my launchpad to kickstart my life again after the darkness. From the clinical director, the counselors, the staff, the kitchen and cleaning staff, the owners themselves, and the medical teams. The admissions staff, the group fellowship, the nature, the ocean, the entirety of Free by the Sea has been a game changer. I owe them my life and if you’re looking for a holistic place to heal the wounds of addiction and wounds of the heart. This is the place to reach out to and start the process. Today could be the first day of the rest of your life!
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.
The staff is very helpful and makes my visit very easy every time.
Eva Conley
8 months ago
From the 1st day I walked in Brightview I felt welcome. Each and every staff member treats you like you’re an old friend. They show compassion, kindness and you’re always greeted with a smile. I’m so thankful I came to Brightview!
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.
Suncloud was a lifesaver for me. I appreciated that we could openly talk about SI and I didnt feel so alone. It really helped my depression. Thank you so much Suncloud!
Jennifer S
2 months ago
I am so impressed with Suncloud and all the clinical talent they have on all levels. I love what they stand for and the care they give my clients. I send all my clients to their program. Dr Dennis had a huge impression on me when I met her 20 years ago and what she has created is in alignment with the best outcomes a client wishes for. Thank you for your authenticity and dedication to recovery.
Mari Richko
5 months ago
SunCloud Health made a huge difference in my friend’s life. They offer truly comprehensive care for people dealing with both mental health and substance use issues, and the staff understands how deeply connected those challenges can be.
My friend had been to other treatment programs before, but none addressed the full picture like SunCloud did. The team took the time to get to know them as a whole person—not just a diagnosis—and built a treatment plan that met their unique needs.
Thanks to the support, structure, and clinical expertise at SunCloud, they finally started to feel real hope again. I highly recommend this place to anyone looking for quality, compassionate care for co-occurring disorders.
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.
SunCloud has such caring staff. They are truly magnificent. SunCloud is the place to go to when needing a little extra care. Met some of the best people during my time there.
Haley Bohne
2 months ago
As a provider, I’ve had the opportunity to collaborate with SunCloud Health on multiple occasions, and I am consistently impressed with their professionalism, communication, and dedication to patient care. Their team goes above and beyond to ensure that each individual receives truly comprehensive support, with treatment plans that address not just symptoms, but the whole person.
What stands out most is their collaborative approach. They value input from outside providers and maintain open lines of communication, which makes continuity of care seamless.
I have full confidence in referring people to SunCloud Health, knowing they will receive excellent, personalized care.
Deborah Sager
2 months ago
My psychiatrist recommended Suncloud because I was going through a really tough time in my life. I was hesitant because I was at another treatment facility and didn't have a great experience. I was pleasantly surprised when I came to Suncloud because the staff were all so kind and genuinely cared about helping you. Their process groups can be tough but are so helpful in working through your trauma. It's been a year now since I started treatment and I can confidently say that I learned the skills and created an amazing support group that have helped me be in such a better place. Even after you're out of treatment, they have an awesome alumni group with plenty of opportunities to connect with others that have gone through similar things. I highly recommend Suncloud.
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.
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance Abuse
Adult ProgramYoung Adult Program
Private InsuranceSelf-Pay OptionsSliding Scale Payment AssistanceFinancial Aid
Wonderful place they treat you with respect, really nice beds with a TV in each room.
Great meals served too!!!
Emeka Nwadiora
1 month ago
Serenity at Summit provided my son with exceptional care from the moment we made the first call. I was relieved that my insurance was accepted, but even more relieved when my son was assigned to his counselor, Sean. From the very beginning, I felt confident that my son was in the right place and working with the right person.
Sean kept me informed of every major development, whether positive or challenging. He communicated clearly, consistently, and with genuine concern for my son’s well being. When my son wanted to give up, which happened more than once, it was Sean’s dedication, patience, and steady guidance that kept him grounded. He supported my son through some very difficult moments and helped him stay committed to the program when he felt like walking away.
What impressed me most was that Sean never pushed my son to make decisions for anyone else not for me, not for him, not for the program. Instead, he helped my son understand that recovery only works when you choose it for yourself. That shift in mindset was transformative, and it happened because Sean knew how to reach him, speak to him, and guide him without judgment.
It is rare to find someone with this level of compassion and dedication for people they do not know personally. Sean’s own experience and journey make him a powerful example of what is possible. You cannot teach that kind of empathy. It comes from lived experience, resilience, and a genuine desire to help others out of the same darkness he fought his way through.
In my opinion, Sean is nothing short of a blessing for individuals and families facing the challenges of addiction. My son stayed, listened, and moved forward because of the support he received, and for that I am deeply grateful. Serenity at Summit is fortunate to have him, and so were we.
? BUFF
1 month ago
I am forever grateful to Serenity and Sean. He went beyond to help my loved one. He is a man that cares. A man with compassion. Sean gave me hope for my loved one. Brianna is also great. I would give this place a million stars if I could. Serenity made my difficult journey a little easier.
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 want to extend my sincere gratitude to the entire staff at Starlite Recovery Center for their professionalism, compassion, and the exceptional care they provided. They consistently went above and beyond my expectations throughout my stay.
My treatment at Starlite lasted 36 days, and the tools, insight, and support I received during that time have been foundational to my sobriety. I am now 56 days sober and continuing my recovery journey through PHP, followed by IOP. The progress I’ve made is directly tied to the work I began at Starlite.
I would wholeheartedly recommend Starlite Recovery Center to anyone who is ready to do the work and truly wants to get better. The environment, guidance, and commitment of the team make all the difference.
Pierre Emond
1 month ago
Starlite changed my life! I would recommend Starlite to anyone!!
Emily Perez
1 month ago
Starlight Recovery Center
The staff especially Donna Stube are compassionate and truly care, the program is solid (evidence-based therapy + practical life skills), and the environment is calm and healing.
If you’re ready to get clean, this is the place. Thank you, Starlight. 💙
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Frequently Asked Questions
What Insurance Solutions Does HealthSmart Offer?
HealthSmart offers organizations benefits solutions and care management along with provider network options. The primary focus of HealthSmart’s business is their medical provider networks. These options are flexible and customizable which means every insurance plan is unique. The primary network is HealthSmart Preferred and is a preferred provider organization.
With a PPO you don’t need a doctor’s referral to see in network specialists and you will likely have access to out of network coverage. However out of network coverage is much more expensive for you — you’ll have much higher deductibles and copayments or coinsurance.
HealthSmart also offers ancillary networks that can help organizations fill care gaps or flesh out more limited primary networks.
Along with their medical networks HealthSmart offers benefits solutions such as health plan design and claims processing along with help administering flex spending accounts and more. As a member you’re unlikely to see these behind the scenes operations but they can help your organization offer health coverage more effectively.
Finally HealthSmart has care management available for clients as well. This helps your company or organization point you toward the right care at the right time based on your needs. The company helps clients focus on improving every member’s health because that’s the best way to take care of people and the best way to ensure a cost effective health plan.
What Inpatient Addiction Treatment Does HealthSmart Cover?
Addiction treatment is not a legally mandated obligation for self funded plans. Nevertheless many will offer some form of coverage. You’ll want to talk to your benefits administrator to get the full details of your plan.
Insurance’s main goal is to provide medically essential care so make sure to get a treatment plan formulated by your doctor. Clinicians utilize frameworks like the American Society of Addiction Medicine (ASAM) Criteria to decide the appropriate level of care you need. Your doctor will use the assessment to evaluate parameters such as health status and withdrawal risk to determine if your situation demands residential care.
Medically supervised detox is the initial step of inpatient treatment for many people. 24/7 onsite clinical support helps you manage the withdrawal symptoms that come with stopping using a drug.
Residential care is often the next stage of an individual’s recovery journey. In this phase you’ll be in a highly structured environment with 24/7 support. This allows you to focus fully on your recovery and avoid temptations and triggers that might lead to relapse.
What does a day in the life of a participant in an inpatient program look like? Individual counseling and group activities are frequent. You’ll get workshops on how to manage abstinence and reenter the workplace as well as reduce relapse risks. These classes are critical components of residential care to equip you with the skills needed for long term recovery.
What Outpatient Rehab Does HealthSmart Cover?
Your insurance plans may use HealthSmart to offer three classes of outpatient rehabilitation: Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) along with general outpatient care.
PHP is the most intensive outpatient treatment form. You attend almost full time for 5 to 6 days a week but go home at night and on weekends. People tend not to work during treatment due to the time commitment.
An IOP has a much more flexible schedule — many require 9 hours of treatment over three days. You can often choose between morning and evening treatment so you can manage work or school obligations. General outpatient care meets for one or two hours a week to help you sustain long term outcomes.
Outpatient programs aim to help solidify the habits that are foundational to long term recovery and prevent relapse through targeted therapies that empower you to establish yourself in an independent and productive life. Aftercare services are intended to strengthen your support networks and connect you to essential services like housing support.
Before starting an outpatient treatment, double check your insurance coverage. Self funded plans may vary widely in benefits and limits as well as requirements for outpatient rehab.
Does HealthSmart Cover Methadone & Suboxone (MAT)?
If your insurance plan covers medication assisted treatment (MAT) it can be a valuable therapeutic resource for overcoming alcohol and opioid abuse disorders.
Once someone becomes opioid dependent specialized management by a licensed clinic may be required for safe addiction recovery. Methadone or buprenorphine are medications that assist in managing cravings to help you avoid relapse during treatment. Other medications available may include naltrexone and Suboxone.
Alcohol dependence is also a viable candidate for MAT as clinicians utilize medication in the initial detox phase to counteract withdrawal symptoms from stopping consumption. Acamprosate and naltrexone are therapeutic alternatives for supporting long term sobriety due to their craving reducing properties against alcohol.
MAT does not replace counseling. It is most effective as part of a holistic recovery program that endows individuals with the skills to prevent relapse.
Before starting treatment verify your insurance coverage as you may need a referral or preauthorization. Plans offer different benefits and vary in the type of medication they cover and for how long.
Does HealthSmart Cover Other Mental Healthcare?
Self funded plans are not legally required to provide mental health benefits but many do. Verify your insurance coverage before commencing treatment to avoid unexpected expenses.
Successful mental health interventions take into account each person’s unique characteristics. Treatment tends to start with assessments given by qualified professionals to determine the best type of care for every person. Some individuals may struggle with mental health issues alone and others may have addiction and mental health needs at the same time — which is known as co occuring disorders.
Substance abuse tends to happen simultaneously with mental health concerns. One million children and 22 million adults in the US are diagnosed with anxiety, depression, or mood disorders while they battle an addiction. Successful treatment in these cases requires tackling mental health and addictive behaviors at the same time to give each person the best chance of long term recovery.
The difficulties that mental health conditions cause—like sadness and mental anguish—may stimulate addictive behaviors as an escape. Substance abuse can aggravate a preexisting mental health concern or predispose someone to a mental health diagnosis. That’s why medical professionals address them together.
How Long Will HealthSmart Cover Rehab?
Your insurance plan will determine coverage limits and requirements for specific benefits so check with your benefits specialist or plan paperwork to find out if there are specific limits on addiction treatment.
Care length is not predetermined but rather depends on your individual medical needs and what parts of the continuum of care you need.
Typically residential care provides 24 hour supervision, and patients stay for a few days to a few weeks. Care averages 30 days but some people stay for as many as 90 days. An IOP provides 9 hours of treatment divided over 3 days each week for 30 to 90 days.
General outpatient programs are most successful when a person commits to them for at least 90 days but they can last 6 months or even a year if a medical professional considers it necessary.
Long term recovery depends on embracing each step of your treatment journey. Enjoy each step of the process and complete them with diligence—they will increase your chances of creating the life you dream of.
Does Addiction Treatment Need to Be In Network?
Self funded plans vary in their benefits much more than standard plans. However if they use HealthSmart the network will be a preferred provider organization (PPO). A PPO does provide some coverage for out of network care so your plan may include some coverage for non network providers.
Nevertheless, even if coverage is included you’ll pay far more out of pocket. You’ll have much higher deductibles and coinsurance or copayments.
Always verify with HealthSmart coverage and network status before starting any treatment. In network providers will always be the best way to get the most out of your insurance’s benefits and keep your expenses under control.
What to Do if HealthSmart Won't Cover the Cost of Rehab
Your addiction treatment options may be more limited in a self funded plan and you might encounter less comprehensive benefits — but do not let these circumstances be a reason to avoid seeking the care you need.
Some treatment centers award scholarships or offer sliding scales of fees based on income or payment plans to facilitate treatment. You can proactively reach out to them and ask.
Another option is to get creative. Low cost and even free rehabs exist. The Salvation Army runs programs where you can work instead of paying and your county or state may also operate free or low cost alternatives.
The investment you make today in recovery can become the stepping stone to building a better future.
Calls to any general helpline will be answered or returned by a paid advertiser.
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.
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