Key Takeaways
- Oscar Health is accepted at The Recovery Village Palm Beach at Baptist Health in Lake Worth, FL.
- Coverage typically includes medical detox, inpatient rehab, PHP, IOP, outpatient, and MAT when medically necessary.
- Free, confidential benefits verification available 24/7 — completed in minutes.
- Pre-authorization requirements handled by the admissions team on your behalf.
- In-network treatment significantly reduces out-of-pocket costs compared to out-of-network care.
- Specific coverage varies by plan type and employer — always verify before treatment.
Does Oscar Health Cover Drug and Alcohol Rehab?
In most cases, yes. Under the Affordable Care Act and the Mental Health Parity and Addiction Equity Act, health insurance plans are required to cover substance use disorder treatment at a level comparable to medical and surgical benefits. This means Oscar Health plans typically provide coverage for addiction treatment services, though specific benefits vary by plan.
The Recovery Village Palm Beach at Baptist Health is in-network with Oscar Health, which means members can access treatment with lower out-of-pocket costs than they would face at an out-of-network facility. Our admissions team handles the verification and pre-authorization process so you can focus on getting help rather than navigating insurance bureaucracy.
What Treatment Does Oscar Health Cover?
Coverage is tied to medical necessity — the clinical determination that a specific level of care is appropriate for your condition. Oscar Health typically covers the following when medically necessary:
Medical Detox
Medically supervised withdrawal management for alcohol, opioids, benzodiazepines, and other substances. Detox is typically covered as a medical necessity for patients with physical dependence. Learn about detox →
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Inpatient / Residential Rehab
24/7 residential treatment with intensive therapeutic programming. Coverage duration depends on clinical need and ongoing medical necessity reviews. Learn about inpatient →
Partial Hospitalization (PHP)
Structured day treatment for patients stepping down from inpatient. Typically covered as a medically necessary step-down level.
Intensive Outpatient Program (IOP)
Flexible outpatient programming, 3-5 sessions per week. Often covered as a continuing care level after inpatient or PHP. Learn about IOP →
Medication-Assisted Treatment (MAT)
FDA-approved medications for opioid and alcohol use disorders. Prescription coverage depends on your specific formulary. Learn about MAT →
Mental Health / Dual Diagnosis
Treatment for co-occurring mental health conditions alongside addiction. Parity laws require comparable coverage for mental health services. Learn about dual diagnosis →
Understanding Your Oscar Health Plan
In-Network vs Out-of-Network
The Recovery Village Palm Beach at Baptist Health is in-network with Oscar Health. In-network treatment means lower copays, lower coinsurance percentages, and costs that count toward your in-network deductible and out-of-pocket maximum. Out-of-network care costs significantly more.
Key Terms
- Deductible: Amount you pay before insurance begins covering services
- Copay: Fixed amount per visit or service
- Coinsurance: Your percentage share of costs after deductible is met
- Out-of-pocket maximum: Cap on total annual costs — once reached, insurance covers 100%
- Pre-authorization: Approval from Oscar Health before certain services begin
Pre-Authorization
Many plans require pre-authorization for inpatient and residential treatment. Our admissions team handles this process directly with Oscar Health so you do not need to manage it yourself. This typically involves submitting clinical information to demonstrate medical necessity.
How to Verify Your Oscar Health Benefits
The fastest way to determine your specific coverage is to contact our admissions team. Verification is free, confidential, and typically takes under five minutes.
What you will learn:
- Whether The Recovery Village Palm Beach at Baptist Health is in-network with your specific plan
- Your deductible, copay, and coinsurance amounts
- Whether pre-authorization is required
- Estimated out-of-pocket costs
- Coverage duration and any plan-specific limitations
You can also verify benefits directly through your Oscar Health member portal or by calling the number on the back of your member ID card. Ask specifically about “behavioral health” or “substance use disorder” benefits.
Mental Health Parity Rights
Under federal law, Oscar Health must provide mental health and substance use disorder benefits comparable to medical and surgical benefits. This means Oscar Health cannot impose treatment limits, financial requirements, or prior authorization requirements on addiction treatment that are more restrictive than those applied to medical care.
If you believe Oscar Health has denied coverage inappropriately, you have the right to appeal. Our admissions team can provide guidance on the appeals process.
Treatment at The Recovery Village Palm Beach at Baptist Health
Our facility offers the full continuum of care at a single Palm Beach County campus:
- Medical Detox – 24/7 supervised withdrawal management
- Inpatient Rehab – residential treatment, 30-45 day average stay
- PHP – structured day treatment, step-down from inpatient
- IOP – flexible scheduling, morning and evening options
- MAT – medication combined with behavioral therapy
- Dual Diagnosis – integrated mental health and addiction treatment
- Aftercare – discharge planning with relapse prevention and referrals
Joint Commission accredited. 24/7 medical supervision. Same-day admissions available.
Frequently Asked Questions
Does Oscar Health cover rehab at The Recovery Village Palm Beach at Baptist Health?
Yes. We are in-network with Oscar Health. Specific coverage depends on your plan. Verify your benefits for free through our admissions team.
How much will I pay out of pocket with Oscar Health?
This depends on your deductible, coinsurance, and out-of-pocket maximum. Our verification process provides estimated cost information specific to your plan.
Does Oscar Health require pre-authorization?
Many plans do for inpatient and residential levels of care. Our admissions team handles the pre-authorization process on your behalf.
How long will Oscar Health cover treatment?
Coverage duration is based on medical necessity, not a fixed number of days. As long as treatment remains clinically necessary, coverage should continue under parity requirements.
Can I use Oscar Health for both addiction and mental health treatment?
Yes. Parity laws require Oscar Health to cover mental health services alongside addiction treatment.
Verify Your Oscar Health Coverage Today
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