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CHECK YOUR INSURANCE COVERAGE
We work with most insurance providers in the U.S. to provide the best possible coverage and minimize your out-of-pocket expenses.
Use Your Rehab Insurance Coverage at BIG SKY!
Start your journey to recovery with these simple steps, ensuring your information remains secure and confidential throughout the process:
Step 1: Complete our confidential form using details from your health insurance card.
Step 2: Our dedicated staff will contact your insurance provider to confirm coverage details for your treatment.
Step 3: We will reach out to you within one hour to inform you of the verification results and discuss the next steps for your treatment plan.
FREQUENTLY ASKED QUESTIONS
Browse our FAQ for clear, concise answers to common inquiries about our programs and services.
Yes. BIG SKY Treatment accepts most major insurance plans, and the majority of plans we work with cover outpatient addiction and mental health treatment. Coverage typically includes Intensive Outpatient Programs (IOP), standard outpatient therapy, dual diagnosis treatment, and Virtual IOP telehealth services. BIG SKY Treatment is an in-network provider with PacificSource Health Plans, and we work with Blue Cross Blue Shield of Montana, Allegiance by Cigna, Montana Medicaid, TRICARE, TriWest, and many additional carriers. The fastest way to know exactly what your plan covers is to submit our confidential online verification form or call our admissions team at (406) 309-7500. We’ll contact your insurance provider directly and report back to you within one hour during business hours.
BIG SKY Treatment accepts a broad range of insurance plans for both addiction and mental health treatment, including:
- Aetna
- Allegiance by Cigna
- Anthem / Elevance
- Beacon Health Options / Carelon
- BlueCross and BlueShield of Montana
- Cigna and Evernorth
- First Choice Health
- Humana
- MHNet Behavioral Health
- MINES and Associates
- Mountain Health CO-OP
- PacificSource
- TRICARE
- TriWest
- UMR
If you do not see your specific plan listed, do not assume you are not covered – insurance coverage is determined plan-by-plan. Contact our admissions team at (406) 309-7500 or submit our online verification form and we will confirm your benefits directly.
Yes. Under the federal Mental Health Parity and Addiction Equity Act (MHPAEA) and the Affordable Care Act (ACA), most insurance plans that cover medical and surgical treatment are required to provide equivalent coverage for mental health and substance use disorder treatment. This means your plan cannot impose more restrictive limitations – such as higher copays, stricter prior authorization requirements, or lower visit limits – on addiction or mental health treatment than it does on comparable medical or surgical treatment. Montana state law provides additional parity protections. If you believe your insurer is not honoring parity requirements, BIG SKY Treatment’s admissions team can help you navigate the appeals process.
Yes, in most cases. The vast majority of insurance plans that cover in-person outpatient addiction and mental health treatment also cover equivalent telehealth services, particularly following federal and state telehealth parity legislation. BIG SKY Treatment’s Virtual IOP – available to residents of Montana, Colorado, Texas, Alabama, Georgia, Tennessee, Kentucky, and Massachusetts, including members of Indian Reservations in those states – is covered by most of the insurance plans we accept. Telehealth coverage details, including any platform requirements or prior authorization, will be confirmed during the insurance verification process. Call (406) 309-7500 or submit our verification form to confirm your specific telehealth benefits. Call (406) 309-7500 or submit our verification form to confirm your specific telehealth benefits.
The verification process is straightforward and confidential. First, complete our online insurance verification form with your insurance card information – the form takes approximately five minutes. Second, our admissions team contacts your insurance provider directly to confirm your coverage details, including covered services, copays, deductibles, and any prior authorization requirements. Third, we contact you within one hour to walk you through your benefits and discuss next steps. There is no obligation to begin treatment after verification, and all information is kept strictly confidential. You can also call (406) 309-7500 directly and our team will handle the verification process on your behalf.
To complete the verification form, you will need your insurance card – specifically the policy holder’s name and date of birth, your member ID number, and your insurance company’s phone number. You will also need to upload photos of the front and back of your insurance card. The form takes approximately five minutes to complete. Once submitted, our admissions team will handle all contact with your insurance provider and follow up with you within one hour. Everything you submit is private and confidential.
Out-of-pocket costs vary depending on your specific plan’s deductible, copay or coinsurance structure, out-of-pocket maximum, and whether BIG SKY Treatment is in-network for your plan. Common cost components include a deductible – the amount you pay before insurance begins covering services – a copay or coinsurance per session, and an annual out-of-pocket maximum after which insurance covers 100% of covered services. Many clients find that their actual costs are significantly lower than expected once benefits are verified. BIG SKY Treatment’s admissions team will provide a clear breakdown of your estimated costs during the verification process before your first session so there are no financial surprises.
If you do not see your insurance plan listed, do not assume you are not covered. BIG SKY Treatment works with a wide range of insurance providers beyond those featured on our website, and coverage is determined plan-by-plan rather than carrier-by-carrier. The only way to know for certain is to submit our online verification form or call (406) 309-7500 – our admissions team will contact your insurer directly and confirm your benefits, at no cost or obligation to you. If your specific plan does not cover treatment at BIG SKY Treatment, our team can help identify alternative coverage or payment options.
Yes. BIG SKY Treatment accepts both TRICARE and TriWest, making our addiction and mental health treatment programs accessible to active-duty service members, veterans, National Guard and Reserve members, and their families. TRICARE covers outpatient substance use disorder treatment for eligible beneficiaries. TriWest administers VA Community Care Network benefits for veterans in our region. Coverage details vary by TRICARE plan type and veteran eligibility tier. Visit our TRICARE coverage page or TriWest coverage page for full details, or call (406) 309-7500 to verify your specific benefits.
Yes. BIG SKY Treatment accepts Montana Medicaid for both addiction treatment and mental health treatment. Montana Medicaid covers a range of outpatient behavioral health services, and eligibility requirements and covered services have expanded under Montana’s Medicaid expansion program. Montana Medicaid typically involves little to no out-of-pocket cost for eligible members – making treatment significantly more accessible for low-income Montana residents. For full details on what Montana Medicaid covers at BIG SKY Treatment, visit our Montana Medicaid coverage page or call (406) 309-7500 to verify your specific benefits.
BIG SKY Treatment’s Adolescent Outpatient Program is covered by most of the insurance plans we accept, including Blue Cross Blue Shield of Montana, PacificSource, Allegiance by Cigna, Montana Medicaid, TRICARE, and TriWest. Coverage for adolescent outpatient behavioral health treatment – including dual diagnosis care for teens facing both substance use and co-occurring mental health challenges – is subject to medical necessity and prior authorization requirements that vary by plan. Contact our admissions team at (406) 309-7500 or submit our verification form to confirm adolescent coverage under your specific plan. Our team will verify benefits for both the adolescent and the family member carrying the insurance, and will walk you through next steps before your teen’s first session.
Yes. In most cases, a family member who carries insurance coverage for a dependent can use that coverage to pay for treatment. The policyholder will need to provide their insurance card and member information during the verification process. BIG SKY Treatment’s online verification form includes fields for both the policy holder and the patient, allowing families to initiate the process on behalf of a loved one. All information provided is kept strictly confidential. Call (406) 309-7500 if you need help navigating coverage for a family member — our admissions team can guide you through the process.
OUR CERTIFICATIONS
FINALLY BREAK FREE FROM MENTAL HEALTH ILLNESS AND ADDICTION
Let BIG SKY help you recover, grow, and thrive with proven evidence-based treatment programs that empower you to break through mental health and addiction challenges. Calls are answered 24/7.
FINALLY BREAK FREE FROM MENTAL HEALTH ILLNESS AND ADDICTION
Let BIG SKY help you recover, grow, and thrive with proven evidence-based treatment programs that
empower you to break through mental health and addiction challenges. Calls answered 24/7.
