Rehab Centers That Accept Oscar Health Insurance in New York
Oscar Health is a technology-focused health insurer based in New York City, offering plans through the ACA Marketplace (NY State of Health). Oscar plans cover substance abuse treatment as one of the 10 essential health benefits under the Affordable Care Act. Behavioral health services are managed through the Optum network. Coverage includes medical detox, residential treatment, outpatient counseling, and medication-assisted treatment (MAT). Oscar is known for its user-friendly app and concierge-style member support.
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Rehab Centers That Accept Oscar Health Insurance in New York
Featured 30 Centers Accepting Oscar Health
From 548 facilities that accept Oscar Health, we've highlighted 30 starting points based on clear criteria.
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Showing 30 of 548 total facilities accepting Oscar Health
What Oscar Health Covers
Oscar Health plans cover substance abuse treatment at the same level as medical/surgical benefits, as required by mental health parity laws. Coverage includes medical detoxification, residential rehabilitation, partial hospitalization (PHP), intensive outpatient (IOP), standard outpatient counseling, and MAT. Your costs depend on your plan tier (Bronze, Silver, Gold, Platinum) and whether you've met your deductible. In-network care through the Optum behavioral health network provides the best coverage.
Deductible Status
Whether you've met your annual deductible
Example range: $1,500-$4,000 (varies by plan)
Network Status
In-network vs out-of-network rates
Per-Session Costs
Copays or coinsurance amount
Example range: $25-$60 per session copay or 20-30% coinsurance
Level of Care
Inpatient vs outpatient rates differ
Get your exact costs: Call 1-855-672-2788
Common Plan Structures
- HMO:Requires in-network care, lower costs
- PPO:Can use out-of-network, higher flexibility
- EPO:In-network only, no referrals needed
- POS:Hybrid of HMO and PPO
Plan Source Matters
- Employer plan:Group benefits vary by company
- Marketplace:ACA plans with metal tiers
- NYC-based tech-focused insurer
- Easy-to-use app for benefits and claims
- Behavioral health through Optum network
- Covers all ACA essential health benefits
- Telehealth options for counseling
- Concierge support team
- Only available through ACA Marketplace
- No out-of-network coverage for rehab
- Smaller provider network than major carriers
- Prior authorization required for inpatient
- Deductible can be high on Bronze plans
What to Have Ready Before Calling
💡 Having this ready reduces call time and ensures you get accurate information
1Call Your Benefits Line
Call 1-855-672-2788 or the number on your card
1-855-672-27882Ask These Questions
- • What is my deductible and how much have I met?
- • What is my copay for outpatient therapy?
- • Does my plan cover inpatient treatment?
- • Do I need prior authorization?
- • General coverage information for the insurance plan
- • Whether a specific facility is in-network
- • Typical copays and deductibles for the plan
- • Prior authorization requirements
- • General admission process questions
- • Specific treatment history or records
- • Whether someone is currently in treatment
- • Details about their specific claims
- • Dates of service or diagnoses
- • Any personal health information
How to Talk to Insurance as a Family Member:
"Hi, I'm calling to understand what addiction treatment benefits are covered under [plan type]. I'm not asking about a specific person's claims, just what the policy covers in general." This approach gets you the information you need while respecting privacy laws.
Ask for a formal denial letter that includes:
- Specific reason for denial
- Policy section reference
- Appeal rights and deadlines
You have the right to appeal. Most insurers have 2-3 levels of appeals. The facility's billing team can often help you with this process.
- Different level of care (e.g., IOP instead of inpatient)
- In-network facility alternatives
- Single-case agreement for out-of-network
Federal law requires insurers to cover mental health and substance abuse treatment at the same level as medical/surgical care. If denied, ask if the same restriction would apply to medical treatment.
Frequently Asked Questions About Oscar Health
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