My2Cents Recovery · Granada Hills · Los Angeles
Insurance verification is free, and it doesn't commit you to anything. Share your PPO details, and we'll check your out-of-network benefits and tell you clearly if we can accept your plan. If we can't, we'll connect you with a trusted program that can.
We work with PPO plans only. We don't accept HMO plans, Medi-Cal, Medicare or other insurance types.
Free benefits check · Private · No commitment
Licensed by the State Department of Health Care Services · License 191510AP · Expires 6/30/2027 · LegitScript certified
In an emergency, call 911. In a mental health crisis, call or text 988.
in·sur·ance ver·i·fi·ca·tion noun
1. A check of what your health plan will pay toward addiction treatment. It's done with your insurance company before care starts.
2. At My2Cents Recovery, it's free and private. We check your PPO's out-of-network benefits for detox and residential care.
Cost, confusion and privacy worries keep many people from getting help. A 2023 national survey asked adults who felt they needed addiction treatment, but didn't get it, what held them back. Here's what they said, and how a free benefits check helps.
42%
thought treatment would cost too much
How we helpWe check your PPO benefits for free. If we can't accept your plan, we'll share resources we've vetted and recommend. Many people have more options than they realize.
39%
didn't know how or where to get treatment
How we helpOne call or one form, 24/7. We walk you through every step.
35%
worried their information wouldn't stay private
How we helpYour form goes to a secure inbox covered by HIPAA rules.
Adults 18+ with a substance use disorder who felt they needed treatment but didn't get it; more than one reason allowed. SAMHSA: 2023 National Survey on Drug Use and Health
Share your details once.
We handle the insurance calls.
Checking your benefits doesn't commit you to treatment. It just gives you a clear answer.
Fill out the private form below, or call or text us. Have your insurance card nearby.
Our team calls your insurance company and checks your plan's benefits. It's free.
We call you back and tell you if we can accept your plan, and what happens next.
We'll connect you with a trusted program that takes your plan.
One form. One call back.
A clear answer either way.
Fill out the form, and someone from our team will reach out within the hour, day or night. We'll tell you how long the full benefits check will take.
Rather talk? Call or text +1 (747) 500-4969, 24/7.
LegitScript certified · DHCS license 191510AP · Joint Commission accredited residential program
Free, private, no commitment.
We'll reach out within the hour.
Your insurance card usually says what kind of plan you have. If you're not sure, send it anyway or call us. We'll figure it out with you.
No PPO? Please don't stop looking for help. Call us anyway, and we'll help you find a program that takes your plan. See other options
On Medi-Cal in Los Angeles County? Call the county's substance use helpline at 1-844-804-7500. LA County SAPC
Our patients have used PPO plans from companies like these. We're not in network with any of them, and every plan is different, so we check yours before you decide anything.
How we work
We don't have a contract with any insurance company. That's normal for small, private programs like ours.
What that means for you
Many PPO plans pay part of the cost when you choose a program outside their network. Your plan pays its share, and you may have a share too. That's how most of our patients use their insurance. HealthCare.gov: Network
Plan names belong to their companies. Listing them doesn't mean they endorse us or that we're in their network.
PPO plans, checked for free.
Not a fit? We'll point you to one that is.
Before you share your insurance details, you can check who we are. Our state license and accreditation are public records, and each card below links to the official listing.
State license
Licensed by the State Department of Health Care Services for residential treatment and detox for adults.
Levels of care
Each level fits a different stage, from detox to getting ready for outpatient care.
Accreditation
Accreditation for our residential treatment program. It does not cover detox, which is licensed by DHCS.
Addiction is a health condition, and the law treats it that way. These rules help make sure your plan pays its share fairly.
Federal law
If your plan includes addiction treatment, its rules can't be stricter than for other medical care. That includes copays, visit limits and approval steps.
CMS: Parity law →Federal law
Marketplace plans must include substance use disorder treatment and inpatient behavioral health services as benefits.
HealthCare.gov →California law
Many California plans must include medically necessary addiction treatment, on the same terms as other health care.
Health & Safety Code § 1374.72 →If your plan says no
You can appeal a denial. Many California plans also allow a free outside review.
DMHC: Appeals and review →Which rules apply depends on your plan. For example, many large employer plans follow federal rules instead of California's. We'll check what applies to yours.
Addiction treatment is health care.
Your plan should treat it that way.
Insurance has its own language. Here's what the most common words mean, in plain English. Each one links to the government's official definition.
A plan that lets you see providers outside its network, usually for a higher share of the cost.
HealthCare.gov →A plan that usually pays only for care from its own network of providers, except in an emergency.
HealthCare.gov →A provider without a contract with your plan. Many PPO plans still pay part of the cost.
HealthCare.gov →Approval your plan may require before some care starts. We handle this step with your insurance company.
HealthCare.gov →The amount you pay for covered care each year before your plan starts to pay its part.
HealthCare.gov →The most you'd pay for covered in-network care in a plan year. Out-of-network care may have its own limit, or may not count toward it.
HealthCare.gov →Plain words, official sources.
Ask us about anything on your card.
Your insurance doesn't decide whether you deserve help. If we can't accept your plan, please keep going. Good care is out there, and we'll help you find it. Here's where to start.
Self-pay
Self-pay is available. You have the right to a written Good Faith Estimate of the cost before care starts.
Call +1 (747) 500-4969 →Medi-Cal in LA County
Los Angeles County's substance use helpline connects Medi-Cal members to care.
Call 1-844-804-7500 →Anywhere in the U.S.
SAMHSA's free, 24/7 National Helpline (1-800-662-4357) and FindTreatment.gov help you find programs that take your plan.
FindTreatment.gov →Your plan isn't the end of the road.
Call us, and we'll help you find care.
For families
For professionals
Questions & answers
The check
Yes. Our insurance verification is free, and it doesn't commit you to treatment. We check your PPO's out-of-network benefits and tell you if we can accept your plan.
Someone reaches out within the hour, day or night. The full check depends on your insurance company. We'll tell you how long yours will take when we reach out.
Your insurance card and a photo ID. We need the insurance company's name, the member ID and the policyholder's date of birth. The group number helps too. We'll ask for the photo ID on our first call, to confirm who the plan belongs to.
Many plans require it. Prior authorization means your plan approves care before it starts. If your plan needs it, our team handles that step with your insurance company.
No. A benefits check is just information. You decide what to do next, and there's no pressure either way.
Coverage
Many PPO plans help pay part of the cost. We're out-of-network, so how much your plan pays depends on its out-of-network benefits. We check them for free and tell you if we can accept your plan.
No, but it tells you where you stand. Your insurance company makes the final call on what it pays for. If it says no, you can appeal. Many California plans also allow a free outside review through the Department of Managed Health Care.
We don't have a contract with your insurance company. Many PPO plans still pay part of the cost when you choose an out-of-network program. That's how most of our patients use their insurance.
No. We work with PPO plans only. We don't accept HMO plans, Medi-Cal, Medicare or other insurance types. Please don't let that stop you from getting help. Call us anyway, and we'll connect you with a program that takes your plan. On Medicare? Medicare.gov explains what it pays for.
Many plans pay part of the cost. Insurance doesn't usually pay for all of it. Your plan pays its share, and you may have a share too. Federal and California law require many plans to treat addiction care as fairly as other medical care. We check your benefits for free and walk you through it before you decide anything.
It depends on your plan and on what you need medically. Many plans approve treatment in stages, then review your progress to approve more time. We work with your insurance company on those reviews and keep you updated.
You're not on your own. We'll connect you with a trusted program that takes your plan. Self-pay is also an option here, and we can go over it by phone.
Privacy & trust
Yes. Your form goes to a secure inbox covered by a HIPAA business associate agreement. We use your details only to check your benefits and contact you, and we never sell them.
We don't contact your employer. We work with your insurance company only. Federal law adds extra privacy rules for addiction treatment records.
Yes. Use the policyholder's details from the insurance card. We can't admit an adult without their consent, but you can start the check.
Yes. Call or text +1 (747) 500-4969 any time. Have your insurance card nearby, and we'll take it from there.
No, never. We don't pay or receive money for referrals, in either direction. Federal law (18 U.S.C. § 220) and California law (Health & Safety Code § 11831.6) ban it.
Tell our program director first, and we'll work to make it right. You can also contact the Department of Health Care Services, which licenses us, or The Joint Commission, which accredits our residential program.
Every outside fact on this page links to a government or official source.
Page reviewed October 2026.
Admissions · 24/7
Free benefits check · Private · No commitment
Medical emergency, including overdose: call 911 · Emotional crisis: call or text 988
