Verify Your Insurance Benefits
Free, confidential, and usually done within one business day. Renova Recovery is out-of-network with most commercial PPO plans — many members have substantial outpatient coverage they don't know about.
✓ Confidential ✓ Same-day assessments ✓ Most insurance
Start Your Free Benefits Check
Fill this out and a member of our admissions team will contact your insurer directly and walk you through what your plan covers. No obligation, no cost.
Contact Us
Thank you - we received your request.
A member of our admissions team will reach out shortly. Your information is kept confidential.
Need to speak with someone now? Call 908-533-9808.
Something went wrong.
Your request could not be submitted. Please check that your name and phone number are entered correctly, then try again.
Need help now? Call 908-533-9808.
How out-of-network coverage works
What "Out-of-Network" Actually Means
We're out-of-network with commercial insurance, which sounds like a barrier and usually isn't. Most PPO, POS, and EPO plans include out-of-network benefits for behavioral health — often covering a significant portion of outpatient addiction treatment after your deductible is met.
Here's what determines your cost:
- Deductible - the amount you pay before your plan starts contributing. If you've already met it this year, your cost drops substantially.
- Coinsurance - the percentage you're responsible for once the deductible is met. Out-of-network coinsurance is commonly 20–40%.
- Out-of-pocket maximum - the ceiling on what you'll pay in a plan year. Once you hit it, your plan typically covers the rest.
Plans we work with
Insurance We Work With
We accept out-of-network benefits from most commercial PPO plans, including:
Two columns — commercial only, no Medicaid, no TRICARE, no VA:
Horizon Blue Cross Blue Shield of NJ · AmeriHealth New Jersey · Aetna · Cigna | UnitedHealthcare · Oxford Health Plans · Oscar Health · Humana
Don't see your plan?
Call us. We work with most commercial carriers.
We are not able to accept: New Jersey Medicaid, NJ FamilyCare, Medicare, or plans without out-of-network behavioral health benefits. If that's your coverage, call us anyway — we'll point you toward programs in Ocean County that can help.
How It Works
1. You send us your information — Through the form above or by phone. Takes about two minutes.
2. We contact your insurer — Our admissions team calls your carrier directly and pulls your actual out-of-network behavioral health benefits.
3. We walk you through it — Usually within one business day. We explain your deductible status, coinsurance, and what your realistic out-of-pocket cost looks like for PHP, IOP, or outpatient care. Then you decide.
There's no cost for this and no commitment. Plenty of people verify benefits and take weeks to make a decision — that's fine.
Will this affect my insurance or show up on anyone's record?
Verifying benefits is a routine administrative check. It doesn't create a claim and doesn't appear as treatment history.Do I need a referral from a doctor?
No. You can contact us directly.Can I verify benefits for a family member?
Yes. You'll need their insurance information and date of birth. Note that for adults, we'll need to speak with them directly before admission.What if I can't afford my out-of-pocket cost?
Tell us. We'd rather have that conversation upfront than have someone rule out treatment based on a number they assumed.How long does verification take?
Usually same day or next business day. Carriers occasionally take longer.
Take the First Step Toward Recovery
Talk to Someone Now
Our admissions line is answered 24/7 by a person, not a call center.
Confidential
Supportive
Quick Response
Why Verify Insurance First?
Insurance verification allows you to:
- Understand your financial responsibility
- Confirm eligibility for PHP, IOP, or outpatient treatment
- Avoid unexpected costs
- Begin treatment without delay
Our team is available day and night to help you navigate the process with clarity and compassion.
