Insurance and financial options for substance use disorder and mental health treatment at Kolmac

Medication Assisted Treatment

At Kolmac, we believe cost should never be a barrier to treatment, and that patients should be able to get the care they need without putting their lives on hold. That’s why we accept most major insurance plans and price our outpatient programs to make treatment accessible for people from all walks of life.

Does insurance cover substance use disorder?

Under federal law, most insurance plans are required to cover substance use disorder treatment. The Mental Health Parity and Addiction Equity Act (MHPAEA) requires insurers to cover mental health and substance use disorder treatment on the same terms as physical health care; that means they can’t impose stricter limits on substance use treatment than they would for a comparable medical condition.

The Affordable Care Act (ACA) further requires most individual and small group plans to cover substance use disorder services as an essential health benefit.

When it comes down to it, most privately insured patients benefit from significant coverage for outpatient treatment like IOP, PHP, and MAT.

To prevent surprises, Kolmac’s admissions specialists confirm your particular benefits before your treatment starts.

Insurance accepted at Kolmac

Our programs accept insurance, so you pay your deductible and co-pay. You don’t have to wait for reimbursement, and we have excellent relationships with most insurance carriers, including:
• Adventist
• Aetna
• CareFirst BlueCross BlueShield*
• CIGNA
• Compsych
• EHP (Johns Hopkins)
• GEHA
• Kaiser
• Magellan
• TRICARE
• United Behavioral Health
• US Family Health Plan
• Independence Blue Cross Blue Shield (IBX)
• Keystone Health Plan East

Medicaid and Medicare do not cover treatment at Kolmac.

*Depending on specific benefits, CareFirst members typically do not pay any out-of-pocket expense for Kolmac services.*

What does insurance cover at Kolmac? 

Coverage varies by plan, but most major insurers cover the following levels of care at Kolmac. Our admissions team can confirm your specific benefits before treatment begins. 

Virtual detox and IOP coverage 

Most insurance plans cover both intensive outpatient program treatment and virtual detox as medically necessary services. Insurers widely recognize IOP as an evidence-based, clinically appropriate level of care for substance use disorders. 

Coverage typically includes group therapy sessions, individual counseling, and psychiatric check-ins. Most significant plans include virtual detox, a medically supervised process for at-home withdrawal when medically necessary. 

PHP and outpatient (OP) coverage 

Partial hospitalization program (PHP) is recognized by insurance providers and the American Society of Addiction Medicine (ASAM) as an appropriate level of care for individuals who need more structure than IOP. 

Most major insurance plans cover PHP. Insurers also typically cover outpatient (OP) and continuing care services, although each plan has specific terms. 

Kolmac can verify your benefits across all applicable levels of care when you call. 

MAT and psychiatric medication coverage 

Most major insurance plans cover medication-assisted treatment, including Suboxone and other FDA-approved medications for opioid and alcohol use disorders. 

Psychiatric services — including prescribing, monitoring, and medication management — are part of IOP and PHP at Kolmac and are typically covered under behavioral health benefits. 

How to verify your benefits and understand your costs 

Kolmac handles benefits verification for you. Here’s how the process works: 

  1. Call or request an appointment — contact Kolmac directly or submit an online request. Have your insurance card ready. 
  1. We verify your benefits — our admissions team contacts your insurer directly and confirms what your plan covers, your deductible status, and your expected out-of-pocket costs.  
  1. We explain your costs clearly — before you commit to treatment, we’ll tell you exactly what to expect financially.  
  2. You start treatment — same-day appointments are available. 

Self-pay, EAP referrals, and employer partnerships 

Self-pay options 

Self-pay is an option at Kolmac for those without insurance or with uncovered treatment costs. Compared to inpatient or residential care, our outpatient programs offer significant cost savings. 

Call (888) 331-5251 to discuss self-pay rates and options. 

Employee Assistance Programs (EAP) 

Your employer’s EAP might cover all or part of the cost of Kolmac treatment. We collaborate directly with EAP counselors and HR professionals within our referral partner network. 

If an EAP referred you, our admissions team will work directly with your EAP provider to verify coverage and expedite your enrollment.  

For employers and HR professionals looking to refer employees, visit our referral partners page for more information. 

Frequently asked questions

Should your insurance only cover part of your treatment expenses, Kolmac’s admissions staff will guide you through the available choices, such as self-pay pricing and payment plans.

Compared to inpatient or residential care, our outpatient programs can be considerably more affordable.
Kolmac will confirm your benefits and explain what to expect before you begin treatment. Before your first appointment, you’ll be aware of your deductible, co-pay, and any additional charges.
Yes. Call us or request an appointment on our website. Our admissions specialists will check your benefits without requiring you to commit to treatment.
Kolmac partners with EAP providers and counselors. Inform our admissions team about your EAP benefits when you call, and we will verify your coverage with your EAP.

Verify your benefits today

Starting is simple. Reach Kolmac at (888) 331-5251 and request an appointment. 

Our admissions team can review your benefits, detail your expenses, and schedule your visit. Same-day appointments are available.

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