How to Find an In-Network Addiction Treatment Center in New Jersey

Understanding how your insurance works might not be at the top of your mind when you decide to seek help for a substance use disorder, but it’s something you’ll need to think about if you’re hoping to get help with the cost. 

If you have health insurance, there’s a good chance that much of your treatment will be covered, especially if you choose a facility that’s in-network with the company. Whether you’re looking for yourself or a loved one, having the right information about finding an in-network addiction treatment center in New Jersey can make the process that much easier. 

In this guide, we’ll go over:

• What an addiction treatment center is 
• What the term “in-network” means
• Whether insurance covers addiction treatment 
• Types of in-network insurance plans
• How to find an in-network rehab center in NJ

If you or someone you love is looking for an in-network addiction treatment center in New Jersey, reach out to Blue Star Recovery today. Our team can help explain what your insurance will pay for and connect you with a treatment program that fits your needs.

What Is an Addiction Treatment Center?

An addiction treatment center is a place where people receive care and support for substance use disorders. These facilities are staffed by medical professionals, therapists, and support staff who are trained to help people safely stop using drugs or alcohol and develop the tools they need to stay sober long-term. 

While every treatment center is different, most provide some form of:

• Medical detox (when needed)
• Family involvement and education
• Aftercare and relapse prevention planning
• Individual and group therapy
• Medication-assisted treatment (MAT)
• Holistic services (like nutrition or exercise planning)

Some treatment facilities only offer outpatient services, while others have both inpatient and outpatient programs. Residential programs require people to live on-site 24/7 and every day is structured around healing. Outpatient programs allow people to live at home and attend a set number of therapy sessions or classes throughout the week. 

What Does “In-Network” Mean?

When a treatment center is “in-network,” it means they’ve made an agreement with your insurance company to provide services at a set price. That means they’ll cover most of the cost associated with your treatment. This can mean faster access to care, less surprise bills, easier pre-approvals, and lower out-of-pocket expenses. 

Out-of-network centers don’t have this agreement, which means your insurance may only cover part of the cost, or none at all. That can make the entire process more expensive and stressful than it should be. 

Does Insurance Cover Addiction Treatment?

Addiction treatment is considered an essential health benefit under the Affordable Care Act, meaning insurance plans are required to offer coverage for substance use disorders just like they would for any other health condition. 

Coverage typically includes:

• Medications to support recovery
• Residential (inpatient) rehab
• Therapy and counseling
• Detox and withdrawal management
• Outpatient care (standard, intensive, or partial hospitalization)
• Mental health treatment for co-occurring conditions

That said, coverage depends on your specific plan. Some plans might fully cover treatment within a facility that’s in-network, while others may require a deductible or a copay. Calling your insurance provider or having the treatment center verify your benefits before you start receiving care is the best way to figure out what you’ll have to pay.

Types of In-Network Insurance Plans

Not all insurance plans work the same way. Some give you more flexibility, while others require you to follow a specific process. Understanding the type of plan you have can help you understand what’s covered and what you need to do before starting treatment. 

Here are four of the most common in-network insurance plans:

• Preferred Provider Organization (PPO): With a PPO, you don’t need a referral to start treatment. You can access both in-network and out-of-network rehab centers, though your insurance will pay more when you stay in-network. PPOs typically offer more freedom and faster access to care, but they come with higher monthly premiums.
• Health Maintenance Organization (HMO): HMOs require you to pick a primary care doctor who oversees your care and refers you to specialists, including addiction treatment providers. These plans only cover treatment at in-network facilities, so it’s important to confirm that the rehab center you’re considering is on your plan’s approved list. HMOs usually offer lower out-of-pocket costs, but you’ll have fewer choices and need to follow a stricter process to get started. 
• Exclusive Provider Organization (EPO): An EPO covers addiction treatment only if you use providers in the plan’s network. Unlike an HMO, you usually don’t need a referral, which means you can reach out to an in-network rehab center directly. These plans don’t give you as many choices as PPOs, but do provide more direct access to care than HMOs. 
• Point of Service (POS): POS plans require referrals like an HMO but allows out-of-network care at a higher cost, making it a good option if you want flexibility while keeping your costs lower by staying in-network. 

If you’re unsure what type of plan you have, the easiest way to find out is to log into your insurance portal or call the number on the back of your insurance card. 

How to Find an In-Network Rehab Center in New Jersey

Once you know what kind of insurance you have, the next step is finding a treatment center that accepts it. Start by calling the number on the back of your insurance card and asking for a list of in-network addiction treatment centers in New Jersey. You can also search online using your insurance company’s member portal, or browse directories like NJ Mental Health Cares or FindTreatment.gov to narrow down options based on your location, plan, and needs. 

Once you’ve found a few options, contact the rehab centers directly. Many facilities, including Blue Star Recovery, can verify your insurance benefits for free and tell you exactly what your plan will pay for. They’ll also help you figure out your next steps, whether that’s getting a referral, scheduling an assessment, or beginning treatment right away.

Addiction Treatment That’s Covered and Close to Home

At Blue Star Recovery, we believe getting treatment should feel accessible, not confusing. As an in-network addiction treatment center in New Jersey, we offer personalized care, flexible scheduling, and a team that understands how to work with your insurance instead of around it. We’ll walk you through every step, from verifying your plan to helping you start treatment as soon as you’re ready. Reach out at any time to connect with a member of our staff and get the support you need.

Resources: 

1. https://my.clevelandclinic.org/health/diseases/16652-drug-addiction-substance-use-disorder-sud
2. https://www.cigna.com/knowledge-center/in-network-vs-out-of-network
3. https://www.healthcare.gov/choose-a-plan/plan-types/
4. https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/