Luminare (Formerly NGS CoreSource) Insurance Coverage for Drug & Alcohol Rehab
Explore how Luminare, a third-party administrator, connects employers with addiction treatment options for self-funded health plans.
Luminare (Formerly NGS CoreSource) Insurance Coverage for Drug & Alcohol Rehab
Explore how Luminare, a third-party administrator, connects employers with addiction treatment options for self-funded health plans.
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.
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.
By Cary Damerow
Cary holds a BA in Liberal Arts and over 30 years of nursing experience as a Licensed Practical Nurse. During her career she has focused her work on high risk populations including pregnant women, children and adolescents, and those facing healthcare disparity.
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.
The only complaint I could possibly have is the bathrooms are too far from the beds! I’ve been clean almost 4 years thanks to Hooper! Don’t let the bad reviews scare you off, some people will never be happy and that’s on them! Take your life back!!!
Christina
2 weeks ago
Hooper Detox Center Saved My Life, and Gave me a second chance at life. I entered Hooper on Jan 20th, 2025 and here it is April 13th 2026, and in 7 short days I will be celebrating 15 months clean and sober!!! I have an amazing job through Central City Concern, just moved into my very first apartment that I worked so hard for, and I have an amazing relationship back with my kiddos! I love and I'm proud of the woman I see staring back at me in the mirror every morning I wake up another day the way God had always wanted me to be and that's Clean n Sober!!!!! Thank you Hooper Detox Center for giving me my life back and for being the first stepping stone I took in my Recovery Journey!!!! 🙏🙏💯❤️💕🏵️🌞
Sarah Eaton
5 months ago
I still have my nail polish on weeks later with gratitude. The incredible support is indescribable...
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.
In 2018 i went to treatment at Horizon Village. My counselor was Bill Bly what an amazing man and his wife she handled a fitness recovery part of it. What an amazing.place chef on duty in morning and afternoon and evening classes were very helpful to my recovery im 6 year 3 months clean Secretary of State
Thomas j Altman
1 year ago
Saved my son’s life, and they helped our family in so many different ways. I can’t speak highly enough about this place.
Lisa Walter
2 years ago
I’ve had family that has gone to this facility and I highly recommend it! The staff is friendly, professional and very helpful!
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.
Very welcoming and took good care of me along with helping me through the process of all my legal actions
Jonathan Sanchez
3 months ago
I highly recommend Lakeside Milam in Eastlake. Caring staff, strong program, accountability with love. If you are struggling with addiction there is help, your life can change for the better, take the first step and stop living in fear.
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.
My experience at the lighthouse was life-changing Tiffany she's the best she definitely is one tough act to follow even when all the clients were mad about the phone she maintained her ground taught us fairness within the staff and within the clients she inspired me. To keep being myself even when the struggle hits we really related on the whole chosen topic.
And a big thank you to Janie henke my lighthouse counselor she really is the heart of the program acting as a personal manager all those requests all the phone calls she has to make all the organizing whatever we got going on in our lives she really does take off some big weight from us without her I would have had the hardest time in there. Big thank you to Steve who made it happen for me to be there for my son's surgery he's the best and the lunch Ladies we really stay because they cook for us the most amazing food. And Cheyenne what a sweetheart she really spoke real she really always made us reflect about the reality on the outside. I can say she prepared me and because of her wisdom she shared I am still sober today
Sandy Escamilla
1 month ago
Lighthouse is the best recovery center I've been too it really saved my life. The staff was so loving and supportive throughout my whole stay. I am living proof that their recovery program works. So proud to call myself and alumni. If your needing somewhere to go that will truly save your life help you start over I recommend them.
Krystal
2 months ago
I can't say enough positive things about the Lighthouse. The staff is amazing, the facility is beautiful, and when you graduate, the alumni team is beyond supportive. You gain a family one can only dream of!
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.
Being able to choose between individual and group sessions let me adjust my week. Some days I needed one-on-one, other days the group dynamic helped more.
Maya Lopez
2 weeks ago
They started planning my discharge weeks ahead of time. I left with a written guide that had meeting times, therapist info, and what to do in a crisis. Even months later I still reference it. The team actually walked me through it instead of just having me sign.
Corey Marsh
3 weeks ago
The building sits off the main road, so pulling in felt low-key. Parking was easy, inside was clean, and the waiting area was calm.
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.
Maple moon was a great first step in my recovery. Staff maintained professional and very supportive role in my time in their care. Jake and Andrew played a key impact in stay with maple moon. They were extremely helpful and guided me in the right direction. I feel very confident in leaving treatment and remain sober. One day at a time!
Andres Fuentes
3 weeks ago
Is been a year almost to the day! This place helped me save my life! I miss everyone there, fantastic staff all around!
Khandy Kearns
3 months ago
I am Super Grateful I had the opportunity to attend Maple Moon! I immediately felt accepted, the staff are Great people, it felt like home where I was able to process and talk about what is holding me from moving forward in My Recovery, showing me how and that it's okay to live again! The people that came to be my housemates helped big time. I recommend Maple Moon Recovery! One day at a time!
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.
Jackie the BD rep has shown me more love and compassion than anyone in a long time. It’s nice to have someone who cares about helping the still sick and suffering addict.
Cuke Doggy
1 week ago
This place saved my life. Great BHTs like Chris, Phil, and Larry will help 👍 thanks for giving me another chance 👦
Jake
1 month ago
Coming into another detox and rehab was not what I wanted to go through again. I was 3 1/2 hours away from home and just lost my job.
Allure ending up being the best thing for me. I was able to focus on my sobriety and get the help I needed. The techs, counselors and nurses are very understanding and can relate to what we all were going through. With their strength and hope I left there ready to give this program 100% on a daily basis.
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 Addiction
Adult ProgramLGBTQ ProgramYoung Adult Program
Private InsuranceSelf-Pay OptionsFinancial Aid
Thankful for my experience at the lighthouse. Shout out to the staff, they are awesome!
Jessica Scott
1 month ago
The lighthouse saved my life the staff are absolutely amazing shout out to Rob Stephanie Tiffany Janna Ronnie Austin and the director Teresa I want to thank you all for all your support and love and guidance today I've got 55 days clean and sober and I owe it all to God AA and my foundation which is the lighthouse which I'm alumni from and I'm so grateful to be a part of. Thank you my house!!!!
Erin Ruby Donica
2 months ago
This has been the best treatment center i have been to. Its given me the tools to take back my life over addiction and hopefully help others in the future. I have to give a big shout out to Mike V., Austin S., Candace, and Nicole. Cant say enough good things about this place
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 program builds us into a family. We, the clients and the staff support each other. I grew in my spirit, mind and heart during my 7 weeks here. The most caring staff, they help you as much as you could ever ask for.
Liz Culpepper
1 month ago
I can honestly say Transitions is the best recovery center I’ve ever been to. They are definitely not like other rehabs and I’ve been to many different places.
What sets them different: there’s no judgement, you actually see your therapist, a psychiatrist, case management, and medical doctor 1-2 times a week, the groups are very beneficial and THEY TRULY CARE!! That’s by far the biggest thing.
Staff all go out there way to care for us whether big or small.
Housing is beautiful spacious apartments and weekends we do deep cleaning.
Everyday there’s an outside meeting and H&I on property everyday but Sunday. Sundays we do outings as a community like the beach, top golf, or bowling. It’s a great way for us to all have fun at the end of the week.
Shout out to the staff: Lori-Ann, Austin, Will, Maxime, Michael, Winnie, Summer, Tay Tay, Manny, Art, Dr. K, Jeff, Dr. Seely, Jennifer, and Shelly. Yall make this program worth being apart of. I would HIGHLY recommend joining this fellowship! ⭐️⭐️⭐️⭐️⭐️
Che Che
1 month ago
The staff at Transitions Recovery become your family. They care about your success. They help you find ways to believe in yourself when others said no to you. I came here as a
Tina addict with depression, anxiety, and PTSD. As I finish my time at Transitions, I’m leaving with a group of friends, a home group, a sponsor, and a real job. I feel like a real person for the first time in 9 years. I feel like I matter in this world. Thank you Transitions family.
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 Addiction
Adult ProgramYoung Adult Program
Private InsuranceSelf-Pay Options
I went to New life recovery center when I was 19 and 20 and had a really really bad habit. I’m now 14 years sober and I truly have NLR To thank for that. They would go out of their way for me in ways that I’ve never seen a recovery center go out of their waiver addicts, and it made me believe in recovery again. Although this was not my last stop on the recovery train, it was my favorite stop, and I truly cherish everybody who was there. RIP Terri She gave me so much valuable knowledge that I could never forget. The staff always made me feel like family. I just wanted to drop my review since it’s been so very long since I visited this place but I am a success story! 3% Club. They’re sober living program was also And really put my butt into gear. The reality check that I needed was always sitting here. Thank you all for being a part of my recovery journey. I now have three beautiful children. And I think the staff and new life every day. - Brooke
Brooke Marr
2 months ago
All I have to say is I could not have gotten clean with NLR! This place is amazing all the staff are excellent make you feel good about being there. Walking in to the gates I had so many emotions but seeing everyone smile and say hello gave me some ease. If you are looking to sleep all day and think you’re on vacation this definitely ain’t the place for you. You’re busy all day. The classes you take a lot from them Mitch and Rob man they really pump knowledge that will have like shit was it really that bad that I needed to be out there doing x y z. The chief Shilpa ABSOLUTELY AMAZING L!!! Meals amazing 5 star and she is just the sweetest. Lupe chief Shiloh’s assistant absolutely amazing!!! All the clinical techs all so cool very friendly they too started their journey with new life so they know exactly what you’re going through cause they come from the same life styles. I recommend new life too everyone in the addiction. Today I have 90 days clean by the grace of god and new life.
Vanessa Botello
6 months ago
I had a really positive experience at New Life Recovery Center. From day one, everyone made me feel welcome and not judged. It’s a calm, supportive place where you can actually focus on getting better and figuring things out.
What makes this place different is the staff. Every person I met has been through addiction themselves, so they truly get it. You’re not talking to people reading from a book. You’re talking to people who have lived it and come out the other side. That shows in the way they listen, the way they talk to you, and the patience and compassion they bring every day.
The groups were helpful and real. People share honestly and support each other. The counselors and techs are down to earth and always willing to talk if you’re having a rough day. You can tell they care and want you to succeed.
If you’re looking for a place where people understand recovery on a personal level and treat you with respect and kindness, I’d recommend New Life Recovery Center. It’s a solid, supportive community for anyone trying to get their life back on track.
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Frequently Asked Questions
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.
What Insurance Products Does Luminare Provide?
Every self funded employer or organizational plan is different, and Lumiaire offers a variety of elements that employers can combine to create their own unique insurance coverage. Not every plan will have all the elements described below.
The most important part of Lumiaire’s help is the connection to a medical network. They can offer over 40 different provider networks including options from Aetna and Cigna along with Multiplan and First Health and more. Networks can be national or regional. As an employee or organization member you’ll want to understand the provider network so you can maximize your insurance coverage and keep your out of pocket costs low.
Luminare also provides healthcare management services such as a phone number for plan members to call and find out details about benefits and a department that approves coverage based on medical necessity criteria.
The company also has case management options to help members navigate difficult health situations and condition specific care for oncology, maternity, and gene therapy. As a health plan member you may get access to a 24/7 nurse line and telehealth care options.
Finally if the employer or organization needs flex spending accounts (FSA) or health savings accounts (HSA) or health reimbursement accounts (HRA) Luminare can administer them.
What Inpatient Addiction Treatment Does Luminare Cover?
Self funded plans are not required to cover addiction treatment — however many will. It is important to understand your benefits coverage before starting any type of treatment to ensure it is a covered benefit.
All insurance plans require that services are deemed medically necessary before they cover them. A treatment plan created by you and your primary care provider will help support the need for addiction treatment. These are often required for preauthorization.
A normal part of developing a treatment plan is the ASAM assessment. This takes into consideration factors such as biomedical and psychosocial needs as well as strengths and assets. It also looks at your support system and resources. By assessing how you are affected by their SUD providers are able to determine the appropriate level of care you need.
In some cases you might benefit from inpatient medical detox. Medical detox offers you FDA approved medications during the detoxification process. During this process you are closely monitored by medical professionals to assess your physical and emotional condition. The use of medications decreases withdrawal symptoms and lowers the risk of health related complications. On average, medical detox lasts from 7 to 10 days but this differs from person to person.
While not everyone requires inpatient medical detox those who have undergone this process generally go on to inpatient or residential rehab. For those who do not require medical detox inpatient rehab may be the first step toward recovery.
Inpatient rehab involves 24/7 supervision in a safe and controlled environment with medical and addiction professionals. During inpatient rehab you receive individual and group therapy and you may also participate in experiential and recreational therapy.
Peer support is an important component of inpatient rehab as well. The amount of time an individual remains in inpatient rehab differs from person to person. On average the stay is somewhere between 30 and 90 days. Studies report the best success with the 90 day programing.
It is always important to remember that each recovery journey is unique and that treatment plans differ greatly depending on the needs of individuals.
What Outpatient Rehab Does Luminare Cover?
Depending on your insurance plan outpatient rehab may be covered. It is extremely important to check with your insurance plan before starting any program to verify if a referral or preauthorization is required before you start treatment.
Outpatient care could include partial hospitalization programs (PHP) and/or intensive outpatient programs (IOP) and/or general outpatient treatment and aftercare programs.
A PHP is an intensive outpatient program for people with alcohol and substance use disorder. For some this is the first step in the process or it could be a second step for those who finished inpatient rehab. This treatment option requires 20 hours per week or more of programming but allows you to return home each night. You get treatment similar to inpatient care.
An IOP is less intensive than a PHP and requires around 9 hours per week. The program usually lasts for 90 days. You can often work the schedule around work or school obligations. This type of treatment is best for people with mild to moderate addiction and those who have a high motivation for recovery. An IOP involves individual and group therapy with a focus on relapse prevention as well as improving coping skills and developing tools to recognize triggers. You’ll also work on support system repair and development.
General outpatient treatment is best for people with mild alcohol and substance use disorder and few psychosocial risk factors. Individuals work one on one with a therapist or addiction specialist to prevent relapse. Learning to recognize triggers and improving coping skills as well as healing from past trauma are integral parts of relapse prevention.
Does Luminare Cover Methadone & Suboxone (MAT)?
Medication assisted treatment (MAT) may be a covered benefit with your insurance. Before starting any type of program it is important to remember to check with your insurance provider to determine if you need a referral or preauthorization.
MAT uses FDA approved medications to help those with alcohol and substance use disorder during the early recovery period. These medications — such as naltrexone and buprenorphine along with methadone and acamprosate — ease withdrawal symptoms and help to normalize brain chemistry and stabilize body functions. This is especially important during medical detox.
Some individuals only need MAT during the detox process while others need it throughout treatment to help manage cravings to reduce the risk of relapse and decrease the risk of overdose. For most people longer term MAT is combined with inpatient or outpatient treatment to help you establish long term recovery.
Does Luminare Cover Other Mental Healthcare?
Self funded plans are not required to cover mental health treatment but many plans do. It is important to know what your benefits are and to verify if preauthorization is required before starting any type of mental healthcare.
Mental healthcare is especially important for people with alcohol and substance use disorder. The National Institute on Drug Abuse reports that people with SUD commonly have co occurring mental health diagnoses. These may include anxiety or depression as well as PTSD or bipolar disorder or other diagnoses. It is important to address both mental health and addiction with an integrated plan to treat them together.
Does Addiction Treatment Need to Be In Network?
This differs from one self funded plan to another. Again it is important to understand what your benefits are before starting any type of treatment.
With most self funded plans it is reasonable to assume that most plans will require the use of in network providers. Even if out of network care is covered it’s best to stay in network if you can for the best coverage and the lowest out of pocket expenses.
What to Do if Luminare Won’t Cover the Cost of Rehab
If your employer’s self funded health plan does not cover the cost of rehab there may be other options to help pay for care.
One option is to pay for treatment yourself. Many treatment centers have payment plans available or offer a sliding scale of fees based on income. Others offer scholarships to help pay for the cost of treatment. Another may be to apply for a Care Credit card which will allow repayment over time.
Finally free services can be found in many communities through organizations such as the Salvation Army or YMCA along with homeless shelters or faith based organizations. As with all types of medical and mental health care it is extremely important to verify accreditation and ensure the highest quality of care when seeking free or low cost treatment options.
How to Verify Coverage With Luminare
With self funded plans the best place to start would be with the benefits manager or contact person within the organization. If there is a member identification card there may be a customer service number on the back of the card to contact.
Self funded insurance plans differ greatly from one to another. Before starting any type of treatment plan you should speak with a representative from Luminare to fully understand your benefit coverage and need for such things as determination of medical necessity before starting care.
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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