In 2022, NGS Coresource was acquired by Health Care Service Corporation (HCSC) and rebranded as Luminare.

Luminare is a third party administrator of health benefits that helps with self funded insurance plans. They work with employers, hospitals and medical systems, indigenous tribes, and other organizations. Your employer may use Luminare to access medical networks and provide specialized care and case management. Organizations can also get backend tools to help them track the use of services and costs.

As an employee or member of an organization you might see Luminare’s name when you look for in network providers or have questions about coverage. They can also help when you need help managing a complex health issue or request preauthorization for services.

Does Luminare Cover Addiction Treatment?

Luminare provides employers and organizations with connections to doctors and facilities that can provide care. However, they don’t decide what’s covered. Instead, they will help your employer or organization build a unique coverage plan and then help provide the services your organization decides on.

Self funded health insurance plans are not required to offer any specific benefits the way many other insurance plans are. However, if they do decide to offer mental health and substance treatment they have to provide them at the same coverage level as other care according to the 2008 Mental Health Parity Act.

It’s very important to check with your organization’s benefits specialist or to contact Luminare with your plan’s name to find out what is covered and at what level. That way you won’t have any surprises when you start treatment.

When you’re searching for reputable centers or checking whether your plan applies, you can learn more about rehab options to explore programs that fit your coverage.