Real Deal accepts almost every insurance plan
100% of PPO plans. Most major HMOs. Roughly 99% of Texas insurance policies. Real Deal is in-network with every major commercial payer in Texas — Blue Cross Blue Shield, United Healthcare, Aetna, Cigna, Humana, UMR, Optum, Magellan, Baylor Scott & White, Wellpoint, and more — plus TRICARE for military families.
If you have a health plan, there is a very strong chance we can accept it. The 15-minute verification call tells you exactly what your specific plan covers and what your out-of-pocket will be. No obligation, no pressure.
What insurance covers (and doesn’t) for outpatient rehab
How rehab coverage typically works.
| Covered by most PPOs | Details | |
|---|---|---|
| Medical detox | Usually yes | 3–10 days at a partner facility, medically necessary |
| PHP (partial hospitalization) | Yes | 5–6 hours/day, 5–6 days/week, medically necessary |
| IOP (intensive outpatient) | Yes | 3 hours/day, 3–5 days/week |
| Weekly outpatient therapy | Yes | Individual, group, family |
| Psychiatric medication management | Yes | Nurse practitioners & psychiatrists |
| Dual-diagnosis (mental health + substance use) | Yes | Treated as one integrated plan |
| Sober living (housing) | No | Not medical treatment — $500/month at Real Deal |
| Personal travel & expenses | No | Not a medical benefit |
How the money actually works
On a PPO plan, your responsibility is typically your deductible (paid first) + your coinsurance percentage (usually 10–30%) until you hit your out-of-pocket max, then insurance covers 100% for the rest of the plan year. PHP and IOP costs often exhaust the deductible in the first weeks.
The Federal Mental Health Parity and Addiction Equity Act requires insurance plans to cover behavioral health treatment on par with physical health. Practically, that means a plan can’t deny PHP or IOP simply because it’s addiction or mental-health care.
The verification call — what to expect
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01
You call, we ask 3 questions
Insurance carrier, member ID, and date of birth. That’s it. 90 seconds.
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02
We verify with your carrier
We contact your insurance directly to confirm behavioral-health benefits for PHP, IOP, and outpatient care. Usually takes 15 minutes.
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03
We call you back with numbers
Your deductible remaining, coinsurance, out-of-pocket max, and estimated total for a typical course of treatment. Plain English, no jargon.
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04
You decide from there
No pressure, no obligation. If it makes sense, we schedule an assessment. If not, you have information for anywhere else you go.
What if my plan is out-of-network?
Real Deal is in-network with nearly every major Texas PPO. If your specific plan is out-of-network, most PPOs still cover a meaningful percentage at out-of-network rates — usually 50–70% after deductible. We tell you the number up front.
If your plan is an HMO that we’re not contracted with, we’ll be honest about that and refer you to a good option. We don’t waste anyone’s time.
Real questions the intake team hears on the phone.
If it’s a PPO, yes — we accept 100% of PPOs. If it’s an HMO or Medicaid plan, call and we’ll check in 15 minutes. We take almost everything.
On a PPO, insurance covers everything above your deductible and coinsurance share, up to your out-of-pocket max. After that, insurance is 100%.
Coverage varies by state and plan. Call with your card and we’ll verify in 15 minutes. Some Medicaid managed-care plans we accept; others we don’t.
Yes — TRICARE Prime, Select, and Reserve. Military families and dependents are welcome.
VA benefits are handled through the VA itself, not through us directly. Some veterans use commercial coverage instead — we can verify.
Cash pay is available. We’ll give you an honest total up front. Payment plans are sometimes available for clients in active treatment.
No. Insurance claims for mental-health and substance-use treatment are covered by HIPAA privacy protections. Your employer doesn’t see your claims.
No. FMLA can protect your job during treatment, but you disclose only what you choose to disclose.
Yes. No cost, no obligation, no impact on your credit or benefits. It’s a phone call.
Sources & further reading
Medically reviewed by our clinical team
Last reviewed September 2026. This article is educational and is not medical advice. In an emergency call 911 or the 988 Suicide & Crisis Lifeline.
