Insurance & How to Pay for Treatment
Treatment is more accessible than you think. Multiple payment options are available.
Cost is often the first barrier warriors face when considering treatment. If you’re worried treatment is out of reach, keep reading. Warrior’s Heart works with most major insurance plans, VA Community Care, workers compensation programs, and offers scholarship assistance. In some cases, we can also connect you with military and first responder foundations that provide treatment funding.
Before assuming treatment isn’t affordable, call (866) 516-9540 to speak with an admissions advocate about payment options.
Insurance Coverage
Warriors Heart accepts most major commercial insurance plans. We are in-network with some carriers and can work with out-of-network benefits for others.
In-Network Insurance Providers
Warriors Heart is in-network with:
- Aetna
- Beacon health solutions
- BlueCross BlueShield
- Cigna
- GEHA
- Humana
- Optum
- TriWest
- United Healthcare
- U.S. Department of Veterans Affairs
- UMR
We do not accept Medicaid.
How Insurance Billing Works
Warriors Heart is in contract with insurance companies, which means you will not be back-billed for costs not covered by insurance. You are only responsible for your out-of-pocket costs (deductible, co-insurance, or co-pay) and any additional services you choose.
We verify your benefits before admission and provide an estimate of your insurance coverage and out-of-pocket cost.
To verify your insurance benefits, call (844) 448-2567.
VA Community Care
Warriors Heart is a preferred in-network Community Care provider for the VA. The VA Community Care program allows eligible veterans to receive care from community providers like Warriors Heart when VA facilities cannot provide timely care or specialized services.
Learn more about Warriors Heart and VA Community Care work together
Workers Compensation
PTSD and addiction can be covered under workers compensation for first responders, law enforcement, firefighters, and EMTs whose conditions are directly related to job exposure.
In some states, workers compensation programs cover:
- Treatment costs for work-related PTSD and substance use disorders
- Lost wages during time off for treatment
- Continuing care and follow-up services
Military & First Responder Foundations
In some cases, Warriors Heart can connect you with military and first responder foundations that provide financial assistance for treatment. These organizations have limited funding and eligibility requirements. Foundation funding is not guaranteed and availability varies.
Scholarships
Warriors Heart offers scholarship assistance to warriors and their families who need financial support to access treatment. Scholarship funds are awarded based on financial hardship and individual circumstances.
Admissions counselors will provide a scholarship application during the admissions process. Various scholarship amounts are available depending on need and verification.
Private Pay Options
Some warriors choose to pay privately to maintain complete confidentiality and avoid insurance records.
Payment Methods
- Cash or check – Full payment or payment plans
- Credit cards – Major credit cards accepted
- Medical credit cards – CareCredit and similar healthcare financing options
- Patient financing – My Treatment Lender offers financing based on credit score, auto title, and other factors. Apply at mytreatmentlender.com/warriorsheart
- Family support – Many warriors receive financial support from family members or friends
- Fundraising – Some warriors organize fundraisers to help cover treatment costs
Local Faith-Based Organizations
Some faith-based organizations have family resource programs where they can financially support their congregants for these types of services. Check with your organization to see if they have these types of services.
Employer Support & Job Protection
Employee Assistance Programs (EAP)
Many employers offer Employee Assistance Programs that provide mental health and addiction treatment benefits. Check with your HR department to see if your employer offers EAP coverage.
Job Protection During Treatment
Federal laws (FMLA and ADA) provide certain protections for employees seeking addiction and mental health treatment. These protections apply when you are actively seeking help. Many warriors take a leave of absence while in treatment or work directly with their employer. Consult employment law experts if you have concerns about job security. State laws vary.
Ready to Take the Next Step?
You’ve handled pressure, responsibility, and situations most people never face.
Asking for help doesn’t take that away. It protects it.
If drugs have started to take more than they give, you don’t have to figure this out alone. Support is available right now, and the conversation is confidential.
