Financial Options

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Quick answer: Most insurance plans cover residential treatment to some degree. Healing Springs Ranch is in-network with Blue Cross Blue Shield, Health Choice, Magellan, and Employers Health Network, and our utilization review team works out-of-network benefits with carriers including Aetna, Cigna, UnitedHealthcare, and Humana. For families paying out of pocket, we offer payment plans. We do not accept Medicaid or Medicare. Verifying your benefits is free, takes one phone call, and commits you to nothing — call 866-656-8384.

What does treatment cost?

Rates are based on length of stay and the level of care your assessment indicates, so there is no single number we can put on a page honestly. What we can tell you is what the rate covers and how long most people stay.

A typical stay at Healing Springs Ranch is 30 to 45 days. Your rate includes clinical treatment, housing, all meals, and programming — it is not a base rate with services billed on top. Our admissions team will give you a specific figure for your situation on the first call, before you make any decisions.

Does insurance cover residential treatment?

Usually, yes — at least in part. Under the Mental Health Parity and Addiction Equity Act, most plans are required to cover mental health and substance use treatment at a level comparable to medical and surgical coverage. The question is almost never whether your plan covers treatment; it is how much, and whether we are in-network for you.

Blue Cross Blue ShieldMagellan HealthcareEHN Health Choice

If you have one of our in-network plans

We are in-network with Blue Cross Blue Shield, Health Choice, Magellan, and Employers Health Network. In-network means we have pre-negotiated rates with the insurer, which typically results in lower copays, a lower deductible, and lower total out-of-pocket cost. Our Blue Cross Blue Shield agreement includes most state plans and BCBS Federal Employee plans. We also accept self-funded ERISA plans and work with third-party administrators (TPAs).

If your plan is not one of those

That does not put treatment out of reach. Many plans include out-of-network benefits that cover a substantial share of residential treatment, and working those benefits is something we do every day. Our utilization review team will:

  • Contact your insurance company directly
  • Verify your out-of-network benefits for residential treatment
  • Advocate on your behalf for the maximum coverage and reimbursement available
  • Handle the paperwork and coordination so your family does not have to
  • Give you a clear picture of your expected benefit before treatment begins

We have worked with Aetna, Cigna, UnitedHealthcare, Humana, and many other carriers through the out-of-network process.

What we do not accept

We are not able to accept Medicaid or Medicare. If that is your only coverage, tell us when you call and we will point you toward programs that can help — we would rather spend five minutes getting you to the right place than have you waste a week.

What if I am paying out of pocket?

Many of our clients pay privately, whether because they have no coverage for residential care or because they prefer to keep treatment entirely outside their insurance record. For families paying out of pocket, we offer the ability to pay over time rather than in a single sum. Our admissions team can walk through what arrangements are available.

Can I use my insurance if I live outside Texas?

Yes. Most major carriers operate nationally, and a plan issued in another state can still cover treatment here. Clients come to Healing Springs Ranch from across the country; the verification process is the same regardless of where your plan was issued.

How do I find out what my plan actually covers?

One call, or one form. Either way it is free and there is no obligation.

  • Call 866-656-8384. Our admissions team answers 24 hours a day, seven days a week. Have your insurance card handy if you can — but call without it if that is what it takes to call.
  • Verify your insurance online. Fill in your plan details and we will run the benefit check and call you back with the answer.

You will get a clear picture of your coverage and your expected cost before you commit to anything. Nobody is going to pressure you on that call.

Frequently asked questions

Does insurance cover rehab?

Most insurance plans cover residential treatment at least partially, because federal parity law requires mental health and substance use coverage comparable to medical coverage. Healing Springs Ranch is in-network with Blue Cross Blue Shield, Health Choice, Magellan, and Employers Health Network, and works out-of-network benefits with most other major carriers. Call 866-656-8384 for a free verification.

How much does treatment at Healing Springs Ranch cost?

Rates depend on length of stay and the level of care indicated by your assessment. The rate includes treatment, housing, meals, and programming. A typical stay is 30 to 45 days. Our admissions team will give you a specific figure for your circumstances on your first call.

Do you accept Medicaid or Medicare?

No. We are unable to accept Medicaid or Medicare. If that is your coverage, call us anyway and we will help you identify programs that can.

Can I pay for treatment over time?

Yes. For clients paying out of pocket we offer payment plans. Contact our admissions team at 866-656-8384 to discuss what arrangements are available for your situation.

Will verifying my insurance obligate me to anything?

No. Verification is free, confidential, and carries no commitment. Many people verify benefits simply to understand their options. Your information is protected under HIPAA and we will not contact anyone else without your permission.

What is included in the rate?

Clinical treatment, housing, all meals, and programming are included. Laundry service is included as well. You will receive a clear written breakdown before admission.

Find out what your plan covers — free and confidential. Call 866-656-8384 any time, or verify your insurance online. Joint Commission accredited · 100% confidential · no obligation.