Placement Service · NYC
Free Insurance Verification for Inpatient Rehab in NYC
Under New York Insurance Law — the state's implementation of the federal Mental Health Parity and Addiction Equity Act — commercial insurers cannot conduct preauthorization or concurrent review during the first 28 days of an in-network inpatient substance use admission. Most NYC PPO callers have substantial coverage they didn't know they had. Placement advisors verify in minutes, for free.
How Insurance Verification Works — 10 Minutes, Free, Confidential
Step by step: you provide carrier name + member ID + group number (photo of card works). Advisor calls the insurer's provider line, confirms in-network benefit for inpatient SUD treatment, checks deductible status, day caps, OOP max. Results back to you same call. ~300 words.
The NY 28-Day No-Preauthorization Rule — What It Actually Means
Statute summary; what insurers cannot do; LOCADTR requirement for OASAS-licensed facilities in-state; what happens after day 28 (concurrent review resumes, advisors + facility clinical team handle); when the rule doesn't apply (self-funded ERISA plans, government health programs which follow different rules, out-of-state insurance). Link to /nyc-no-preauth-rule/. ~350 words.
Which NYC-Active Plans Placement Advisors Work With
Empire BlueCross BlueShield, UnitedHealthcare + Oxford, Cigna, Aetna, EmblemHealth (GHI, HIP), MagnaCare, 1199SEIU Benefit Fund, MVP Health Care, Healthfirst (commercial), Humana commercial, Anthem, Beacon. Advisors also handle self-funded employer plans and union benefit funds. ~250 words.
What to Do If a Claim Is Denied
Two-tier internal appeal with insurer (usually 30-day turnaround); external appeal through NY DFS if internal denied; CHAMP Helpline (1-888-614-5400) for free advocacy; NY AG Health Care Bureau (1-800-428-9071) for systematic violations. ~250 words.
Out-of-Network Coverage and Single-Case Agreements
When a specific program isn't in-network but is the clinical match, insurers will sometimes issue a single-case agreement at in-network rates. Advisors facilitate. ~200 words.
If the Network Placement Isn't the Right Fit
Placement advisors work exclusively with licensed inpatient programs in the commercial-PPO network. If a caller's coverage or situation doesn't match the network, advisors will say so directly and point callers to the appropriate NY state resources — OASAS locator (findaddictiontreatment.ny.gov), NYC Well (1-888-692-9355), or SAMHSA (1-800-662-4357). No placement is forced. ~150 words.
Frequently Asked Questions
Does The Haven bill my insurance directly?
No. The Haven is a referral and placement resource — we don't treat and we don't bill. The licensed inpatient program you choose bills your insurance directly.
Will verification affect my insurance or trigger anything?
No. A verification-of-benefits call to the insurer is a standard inquiry; it creates no claim, no utilization event, and doesn't disclose any treatment history to the insurer.
What if my insurance is through work and I don't want HR to find out?
Your employer sees premium contributions and aggregate utilization data — not specific claims for named individuals, and especially not substance use records, which are protected under 42 CFR Part 2.
What if I have a high deductible?
Advisors factor deductible status into program matching. If you're early in the plan year with a $5K deductible unmet, out-of-pocket for a 30-day stay looks very different than if you've already hit your out-of-pocket max from another medical event.
Ready to Talk Through Options?
Placement advisors verify insurance and connect callers with licensed inpatient programs. Free, confidential, 24/7.