Financing

Payment Options

Making decisions about treatment for yourself or your loved one is never easy, but at The Sanctuary, we know that full recovery is possible. Our program is fully personalized and focuses on identifying and resolving the core issues behind addiction, depression, anxiety, and trauma.

We accept a maximum of 12 clients at a time, providing you with an intimate healing experience where the majority of sessions are one-on-one. This holistic, non-12-Step recovery program is exclusive to The Sanctuary. Using this approach, we’ve helped countless clients over the past two decades to fully recover from addiction and related disorders.

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Insurance

The Sanctuary is out of network for all insurance companies because we are unable to provide our level of services and care at the contracted rates that insurance companies pay.

Out-of-network means that a treatment center does not have a contract with your health insurance plan provider. Some health plans, such as an HMO plan, will not cover care from out-of-network treatment centers at all.

In-Network- A provider network is a list of healthcare providers, including treatment centers who are contracted by an insurance company and provide medical care at a specific price to those enrolled in plans offered by that insurance company. This is the most economically effective choice if you can meet your treatment objectives at one of the centers in-network with your insurance company. 

We are unable to accept:

  • Medicare
  • Medicaid
  • Blue Cross Blue Shield
  • AETNA
  • AHCCCS
  • VA insurance
  • State insurance

Unfortunately, insurance companies tend to focus on medication and symptom management and therefore do not recognize the necessity of identifying and resolving root causes of addiction depression, or anxiety. Because of this, we are not in-network with any provider.  Because the majority of our clients have been through several types of treatment prior to The Sanctuary, they understand the value of an integrated,  holistic model, regardless of the insurance coverage they may have.

Insurance Companies make a profit from managing medical costs. Thus their goal is to transition clients from inpatient to outpatient care as soon as possible.  Coverage for 30 days of residential treatment is not guaranteed, regardless of what your policy may state.  

If you have a PPO with out-of-network benefits, some of your fees may be covered. Once you submit your insurance information, we’ll verify your benefits to determine what percentage of your costs are eligible.

We work with several private insurance companies, and with a leading insurance billing company, to get the most benefits possible for your treatment. To use your insurance benefits, you will need:

  • Sufficient coverage for inpatient treatment as part of your insurance policy
  • To meet symptom criteria for inpatient treatment as established by insurance companies, also known as “medical necessity”. Without a federal definition of medical necessity or regulations listing covered services, health insurance plans retain the primary authority to decide what is medically necessary for their patient subscribers. Medical necessity does not take into account the quality of life their insured is living, only the level of risk of injury or death.

We will provide information about the benefits available to you through your insurance, and the estimated amount of your personal financial responsibilities. This includes the co-insurance, deductible, and balance not covered by your insurance. 

We’ll also offer our best judgment as to whether your reasons for treatment meet your insurance company’s criteria for inpatient treatment benefits. In our experience, insurance companies do not cover behavioral health issues such as depression, anxiety, codependency, trauma, and PTSD.

Self-pay 

We accept direct payment by cash, credit card, wire transfer

Financing 

We partner with M-Lend Financial to help you get the money you need for treatment efficiently and quickly. We took great care to evaluate financing companies and have found M-Lend Financial to be the most fair, reliable, and competitive option for our clients. M-Lend offers a range of options to accommodate personal credit circumstances, Qualification is based on an individual’s credit score.

All expenses related to your time in treatment are eligible for financing. 

We understand how important it is to get into treatment and to do so in a timely manner. Our goal is to provide the best possible options for doing so. 

Our admissions coordinator is happy to answer any questions you have about financing and payment options. Contact us today. 

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