Insurance Providers & Payment Options
At Mosaic Wellness & Recovery, we believe cost should never stand between someone and the care they need.
Deciding to seek treatment is one of the most important decisions a person can make. We know that the cost of care, the complexity of insurance, and the fear of financial burden can create real barriers that make an already difficult moment feel even heavier.
That’s why we work directly with most major insurance providers, verify your benefits at no cost, and walk alongside you through every financial step.
How We Help You Navigate the Financial Side of Treatment
Insurance coverage for mental health and addiction treatment can be complicated. Plan types vary, benefits differ, and terms like “prior authorization,” “medical necessity,” and “out-of-network” can feel overwhelming when you’re already under stress.
Our admissions team handles that complexity for you. We verify your benefits before any commitment is made, explain your coverage in plain language, and give you a realistic picture of what your plan may cover across each level of care.
We’re transparent about what’s available, what it costs, and what options exist if coverage has gaps. That transparency is part of how we show up for the people we serve.
Our Insurance Verification Process
Contact Our Admissions Team
Call or complete our online form and a member of our team will answer your questions, listen to what’s going on, and begin the verification process with you.
Share Your Insurance Information
Have your member ID, group number, and plan information available. If you’re unsure what’s needed, we’ll guide you through it.
Share Your Insurance Information
Our team contacts your insurer directly to confirm eligibility, covered services, applicable levels of care, prior authorization requirements, and estimated out-of-pocket costs, including deductibles, copays, and coinsurance.
We Walk You Through The Results
We share a clear summary of what your plan covers, what it may not, and what financial options are available for any remaining gaps. No pressure, no commitment required at this stage.
We Handle Authorizations
If your plan requires prior authorization before treatment begins, our team manages that process on your behalf. We’ll help you with identifying what documentation is needed, coordinating with your insurer, and keeping you informed throughout.
Most of the time we’ll be able to provide a clear picture of coverage within 24 hours of receiving the correct information.
Mosaic works with most major insurance providers.
If your provider is not listed, contact our admissions team and we’ll verify your benefits and let you know exactly where you stand.
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What Most Plans Cover at Mosaic
The Affordable Care Act (ACA) requires most health insurance plans to include mental health and substance use disorder services as essential benefits.
Depending on your plan, coverage may include:
- Residential Treatment
- Partial Hospitalization Program (PHP)
- Intensive Outpatient Program (IOP)
- Evening IOP
- Outpatient Services
- Dual Diagnosis Treatment
- Medication-Assisted Treatment (MAT)
Coverage levels and prior authorization requirements vary by plan and level of care. Our team will clarify what applies to your specific policy.
Payment Options
We understand that every financial situation is different. In addition to insurance coverage, Mosaic offers the following options:
In-network
Insurance billing for covered carriers.
Out-of-network
Benefit support—our team will help you understand and maximize out-of-network benefits where applicable.
Private pay
Self-pay options are available. Contact our admissions team for current rates.
Payment plans
Flexible arrangements may be available depending on individual circumstances. Speak with our admissions team directly.
We are committed to finding a path forward that works for your situation. If cost is a concern, tell us—that conversation is exactly what we’re here for.
Frequently Asked Questions About Insurance & Payment Options
Start Treatment at Mosaic Wellness & Recovery
Struggling with mental health and addictions can feel like an unending storm. With the right support, it is possible to find calm, clarity, and connection again.
At Mosaic Wellness & Recovery, treatment is grounded in compassion, clinical expertise, and personalized care. Our process for starting treatment includes:
- Complete a free, confidential assessment.
- Verify your insurance benefits.
- Schedule your admission date.
- Receive a warm welcome!
Our intake process is built to connect you with care as quickly and compassionately as possible.