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Addiction and Mental Health Treatment California

Does Insurance Cover Partial Hospitalization Program (PHP) Addiction Treatment?

Clinically Reviewed by: Charee Marquez, LMFT

When considering treatment options for substance use and mental health disorders, understanding the landscape of care levels and insurance coverage is crucial. A Partial Hospitalization Program (PHP) represents a critical level of care for individuals seeking a midpoint between inpatient and outpatient treatment. As defined by the American Society of Addiction Medicine (ASAM), PHPs are categorized as Level 2 care, providing structured treatment without the need for 24-hour supervision.

What is Addiction Treatment?

Addiction treatment refers to the process of helping individuals overcome substance use disorders, behavioral addictions, or other forms of addiction. The goal of addiction treatment is to address the physical, psychological, and social aspects of addiction to promote recovery and improve overall well-being. Treatment approaches can vary depending on the type and severity of the addiction, as well as individual needs and preferences. Treatment for addiction to alcohol and drugs can be a complicated process because long-term abuse of substances creates harmful and lasting changes in the body and the brain. Trying to quit an addiction abruptly or alone can be challenging because the body and the brain develop tolerance to the substance, which can lead to severe withdrawal symptoms and can create relapses. In the United States, addiction remains a pressing issue, affecting a substantial portion of the population. In 2019, around 20.2 million adults were reported to have struggled with a substance use disorder. This encompasses a range of substances, including alcohol, illicit drugs, and prescription medications. The opioid epidemic, in particular, has garnered significant attention, with a notable increase in opioid-related overdoses and fatalities.

Addiction treatment can be delivered in various settings, including residential treatment centersoutpatient programs, and community-based support services. The choice of treatment depends on factors such as the severity of the addiction, individual needs, and available resources. Successful addiction treatment often involves a tailored and multidisciplinary approach that addresses the unique challenges of each individual. Our treatment programs include several levels and modalities of therapies, strategies, and counseling, in addition to medical and clinical expertise. We aim to help our clients get back their lives and live confidently and successfully.

What is a Partial Hospitalization Program (PHP) for Addiction?

A Partial Hospitalization Program (PHP) is a structured and intensive form of outpatient treatment designed to provide individuals with comprehensive care and support for substance use disorders, mental health issues, or a combination of both. PHP offers a middle ground between inpatient (residential) and traditional outpatient treatment. For more on PHP at California Prime Recovery keep scrolling.

Key Features of a Partial Hospitalization Program for Addiction

Structured Treatment Schedule:

    • Participants attend treatment sessions on a structured schedule, typically five days a week for several hours each day. The schedule may closely resemble that of an inpatient program.
  1. Comprehensive Services:

    • PHPs offer a range of therapeutic services, including individual counseling, group therapy, family therapy, psychoeducation, and psychiatric care. These services aim to address the complex needs of individuals in treatment.
  2. Medical Monitoring:

    • Participants in a PHP receive medical monitoring and oversight. This may include medication management, health assessments, and coordination with medical professionals to address any physical health concerns.
  3. Structured Environment:

    • While PHPs are outpatient programs, they provide a more structured and supportive environment than traditional outpatient services. This structured setting can be especially beneficial for individuals who require a higher level of support during early recovery.
  4. Multidisciplinary Approach:

    • PHPs often involve a multidisciplinary team of professionals, including therapists, counselors, psychiatrists, nurses, and other specialists. This team collaborates to address the various aspects of a person’s well-being.
  5. Transition to Independence:

    • PHPs can be particularly helpful for individuals transitioning from inpatient or residential treatment back to independent living. The program allows for a gradual transition while still providing intensive support.
  6. Flexibility:

    • PHPs offer a level of flexibility that allows individuals to return home or to a sober living environment in the evenings, promoting the development of coping skills in real-world settings.
  7. Supportive Community:

    • Participants in a PHP often form a supportive community with others going through similar challenges. This sense of community can be a valuable aspect of the recovery process.

A typical day in a Partial Hospitalization Program may include group therapy, psych-educational groups, skill building, and individual therapy for issues that are driving an individual towards addictive behaviors. PHP provides a more comprehensive treatment and benefits such as an inpatient program, while also offering coping skills and real life integration of an intensive outpatient (IOP) program.

Goals of PHP Addiction Treatment

Partial Hospitalization Program (PHP) addiction treatment aims to achieve several key goals to support individuals in their recovery journey. These goals may vary depending on the specific needs of the individual and the treatment program, but some common objectives include:

  1. Stabilization: PHP treatment often begins with stabilizing the individual, particularly if they are experiencing acute withdrawal symptoms or medical complications related to substance use. Medical professionals may provide detoxification services and monitor the individual’s health to ensure their safety.

  2. Comprehensive Assessment: PHP programs typically conduct thorough assessments to identify the individual’s unique needs, including physical, psychological, social, and environmental factors contributing to their addiction. This assessment informs the development of an individualized treatment plan tailored to address these needs.

  3. Education and Skill Development: PHP addiction treatment involves providing education about addiction, recovery, and coping strategies. Individuals learn about the effects of substances on the brain and body, as well as skills for managing cravings, avoiding triggers, and preventing relapse.

  4. Behavioral Therapy: PHP programs often incorporate evidence-based behavioral therapies, such as cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), motivational interviewing (MI), and contingency management. These therapies help individuals identify and change maladaptive thoughts, beliefs, and behaviors related to substance use.

  5. Peer Support and Group Therapy: Group therapy sessions and peer support groups are integral components of PHP addiction treatment. These sessions provide opportunities for individuals to connect with others who are also in recovery, share experiences, offer mutual support, and learn from one another’s successes and challenges.

  6. Family Involvement: Involving family members in the treatment process can be beneficial for both the individual in recovery and their loved ones. Family therapy sessions help improve communication, address family dynamics and conflicts, and build a supportive network for ongoing recovery.

  7. Relapse Prevention Planning: PHP treatment focuses on developing personalized relapse prevention plans to help individuals identify triggers, develop coping strategies, and create a support system to maintain sobriety after completing the program.

  8. Continuum of Care: PHP programs often emphasize the importance of continuing care beyond the structured treatment setting. This may include transitioning to lower levels of care, such as intensive outpatient programs (IOPs), outpatient therapy, sober living environments, and ongoing support groups to promote sustained recovery.

Overall, the primary goals of PHP addiction treatment are to empower individuals to achieve and maintain sobriety, improve their overall well-being, and establish a foundation for a fulfilling life free from substance use.

How Much Does PHP Addiction Treatment Cost?

The cost of PHP treatment varies widely based on several factors, including the length of treatment, the setting (community vs. hospital-based), and the services utilized. Insurance coverage can significantly affect out-of-pocket costs, making it essential to verify your benefits. Additionally, treatment centers often offer various payment options for those without insurance, such as payment plans and sliding-fee scales.

Does Insurance Cover PHP Addiction Treatment?

Typically, yes. Whether insurance covers Partial Hospitalization Program (PHP) addiction treatment depends on several factors, including the specific insurance plan, the provider’s network, and the individual’s policy details. Here are some key points to consider:

  1. Insurance Plan Coverage: Some insurance plans may cover PHP addiction treatment as part of their behavioral health or mental health benefits. However, coverage may vary depending on the specific plan and the insurance company.

  2. Network Providers: Insurance plans often have networks of healthcare providers, including addiction treatment facilities that offer PHP programs. In-network providers are typically covered at a higher rate than out-of-network providers, so it’s essential to check if the facility offering PHP treatment is in-network with your insurance plan.

  3. Policy Details: Even if PHP addiction treatment is covered under your insurance plan, there may be certain limitations or requirements to meet for coverage. For example, preauthorization or prior approval from the insurance company may be necessary before starting treatment. It’s crucial to review your policy documents or contact your insurance provider to understand the specific coverage details and any requirements.

  4. Cost-sharing: While insurance may cover a portion of the PHP addiction treatment costs, there may still be out-of-pocket expenses for the individual, such as copayments, coinsurance, or deductibles. Understanding your plan’s cost-sharing requirements can help you anticipate and budget for these expenses.

  5. Medical Necessity: Insurance coverage for PHP addiction treatment is often based on medical necessity. This means that the treatment must be deemed medically necessary by the insurance company and meet certain criteria for coverage. Your healthcare provider may need to provide documentation to support the medical necessity of PHP treatment.

  6. Appeals Process: If your insurance claim for PHP addiction treatment is denied, you have the right to appeal the decision. The appeals process allows you to request a review of the denial and provide additional information or documentation to support your case for coverage.

It’s essential to review your insurance plan documents or contact your insurance provider directly to understand the specific coverage for PHP addiction treatment and any steps you need to take to access benefits. Additionally, the treatment facility may also offer assistance with verifying insurance coverage and navigating the authorization process.

Common Types of Insurance Used for PHP Addiction Treatment

here’s how each type of insurance plan may cover Partial Hospitalization Program (PHP) addiction treatment:

  1. Preferred Provider Organization (PPO):

    • PPO plans typically offer greater flexibility in choosing healthcare providers, including addiction treatment facilities for PHP programs.
    • Members can usually access both in-network and out-of-network providers, although utilizing in-network providers often results in lower out-of-pocket costs.
    • PHP addiction treatment received from in-network providers is typically covered at a higher rate, while out-of-network care may require higher copayments or coinsurance.
  2. Health Maintenance Organization (HMO):

    • HMO plans often require members to select a primary care physician (PCP) and obtain referrals for specialist care, including addiction treatment.
    • Coverage for PHP addiction treatment is generally limited to in-network providers, and members may need to coordinate care through their PCP.
    • Out-of-network PHP programs are typically not covered except in emergency situations.
  3. Exclusive Provider Organization (EPO):

    • EPO plans offer coverage for services provided by in-network healthcare providers only, similar to HMO plans.
    • Members must receive PHP addiction treatment from providers within the plan’s network, except in emergencies.
    • EPO plans do not usually require referrals from a primary care physician for specialist care.
  4. Point of Service (POS):

    • POS plans combine features of both HMO and PPO plans, providing some flexibility in choosing providers.
    • Members typically designate a primary care physician and can choose to receive PHP addiction treatment from in-network or out-of-network providers.
    • While members can see specialists without referrals, utilizing in-network providers usually results in lower out-of-pocket costs.

Regardless of the type of insurance plan, it’s important for individuals seeking PHP addiction treatment to review their plan’s coverage details, including network providers, coverage levels, copayments, coinsurance, deductibles, and any requirements for preauthorization or referrals. Additionally, contacting the insurance provider directly or consulting with the treatment facility can help clarify coverage and navigate the process of accessing benefits.

Is a PHP Addiction Treatment Right for Me?

Determining whether Partial Hospitalization Program (PHP) addiction treatment is the right fit for you depends on various factors, including your individual needs, preferences, and the severity of your addiction. Here are some considerations to help you determine if PHP treatment may be appropriate for you:

  1. Level of Care Needed: PHP treatment is typically recommended for individuals who require intensive support and structure but do not need 24-hour supervision in a residential setting. If you have significant substance use disorder (SUD) symptoms and require frequent monitoring and therapeutic interventions, PHP may be suitable.

  2. Medical and Psychiatric Stability: PHP programs can provide medical and psychiatric care to address acute withdrawal symptoms, medical complications, and co-occurring mental health disorders. If you have medical or psychiatric conditions that require close monitoring and management, PHP treatment may be beneficial.

  3. Ability to Engage in Treatment: PHP treatment involves participating in structured therapy sessions, educational activities, and group interventions throughout the day. If you are motivated and able to engage actively in treatment while residing at home or in a supportive environment during non-treatment hours, PHP may be a good fit.

  4. Supportive Environment: Having a stable and supportive living environment is important for individuals participating in PHP treatment. If you have a safe and supportive home environment or access to a sober living facility where you can reside during treatment, PHP may be appropriate.

  5. Access to Resources: Consider whether you have access to transportation to and from the treatment facility, as well as support for attending therapy sessions and group meetings regularly. PHP treatment typically requires a significant time commitment, so ensure that you can dedicate the necessary time and effort to participate fully in the program.

  6. Clinical Recommendations: Consulting with a qualified healthcare professional, such as a primary care physician, addiction specialist, or mental health counselor, can help you assess whether PHP treatment is appropriate for your individual needs. A comprehensive assessment can identify your treatment goals, level of readiness for change, and the most appropriate level of care.

Ultimately, the decision to pursue PHP addiction treatment should be based on your unique circumstances, treatment goals, and the recommendations of qualified professionals. It’s essential to explore all available treatment options, including PHP, residential treatment, outpatient therapy, and support groups, to determine the most suitable approach for your recovery journey.

Frequently Asked Questions (FAQs) about Partial Hospitalization Program (PHP) Addiction Treatment:

  1. What is a Partial Hospitalization Program (PHP) for addiction treatment?

    • A Partial Hospitalization Program (PHP) is a structured treatment program that provides intensive therapy and support for individuals struggling with addiction, typically on a part-time basis while allowing them to return home or to a supportive living environment in the evenings.
  2. How does a PHP differ from other addiction treatment options?

    • Unlike residential or inpatient treatment programs, PHPs offer more flexibility by allowing participants to attend therapy sessions during the day and return home in the evenings. This allows individuals to maintain their daily routines and responsibilities while still receiving intensive treatment.
  3. What types of addiction are treated in a PHP?

    • PHPs typically treat various substance use disorders, including alcohol addiction, opioid addiction, stimulant addiction, and others.
  4. What services are included in a PHP?

    • PHPs offer a comprehensive range of services aimed at addressing the physical, emotional, and psychological aspects of addiction. These services may include individual therapy, group therapy, medication management, medical monitoring, psychiatric care, family therapy, and relapse prevention planning.
  5. How often are sessions held in a PHP?

    • Sessions in a PHP are typically held several days a week for several hours each day, allowing participants to receive intensive therapy and support while still having time for other responsibilities.
  6. Who can benefit from participating in a PHP?

    • PHPs are suitable for individuals who require structured support and therapy but do not need 24-hour supervision. They may be appropriate for those transitioning from inpatient treatment, as well as for individuals who require intensive treatment but do not need round-the-clock care.
  7. How long does a PHP program last?

    • The duration of a PHP program can vary depending on the individual’s progress and treatment goals. Some programs may last for a few weeks, while others may extend for several months.
  8. Will insurance cover the cost of a PHP program?

    • Many insurance plans provide coverage for PHP addiction treatment. It’s essential to check with your insurance provider to determine your coverage and any out-of-pocket costs.
  9. How can I find a PHP program near me?

    • You can start by contacting local addiction treatment centers or searching online for PHP programs in your area. It’s essential to research and inquire about the services offered, the qualifications of the staff, and any accreditation or licensing.
  10. What should I expect during a PHP program?

    • During a PHP program, you can expect to participate in various therapy sessions, engage in group discussions, receive medical monitoring and support, develop relapse prevention strategies, and work on improving coping skills and overall well-being.


Navigating the path to addiction recovery often requires a multifaceted approach, encompassing various forms of support and resources. One invaluable resource that individuals can leverage on this journey is their insurance coverage, particularly for Partial Hospitalization Program (PHP) addiction treatment. By understanding the intricacies of their insurance plans and the coverage options available, individuals can access comprehensive and personalized care to aid in their recovery process.

How to Verify Your Insurance Coverage

Verifying your insurance coverage for PHP treatment is a crucial step in the process. Many treatment centers, including California Prime Recovery, can assist with this process, helping to clarify your coverage and out-of-pocket costs. It’s advisable to directly contact your insurance provider or utilize the services of admissions navigators experienced in handling such inquiries. As an in-network provider we work with most insurance plans.

Seeking Treatment? We Can Help!

At California Prime Recovery, as an in-network provider we work with most insurance plans, such as:

If you or a loved one are struggling with mental health challenges or substance abuse, reach out to California Prime Recovery today. Our team of compassionate professionals is here to support your journey towards lasting well-being. Give us a call at 866-208-2390

FAQs on PHP and Insurance Coverage

PHPs offer a comprehensive range of therapies, including individual and group therapy, medication management, and more, aimed at addressing substance use and co-occurring disorders.

Yes, most insurance plans, under the ACA and MHPAEA, are required to cover PHP treatments to some extent. Coverage details can vary, so verifying your benefits is important.

Consulting with a mental health or addiction-recovery professional can help determine if PHP is the appropriate level of care for your situation.

Yes, many treatment centers offer alternative payment options for those without insurance, such as payment plans and sliding-fee scales.

Contacting your insurance provider directly or utilizing the services of admissions navigators at treatment centers can help you understand your coverage and any potential out-of-pocket costs.

At California Prime Recovery in California, we offer free insurance verification for our clients who feel they need some help. When you contact us, we will carry out the thorough analysis of your addiction problem, and then recommend a workable drug treatment program. Next, we will contact your insurance provider on your behalf and verify your benefits. We will also let you know if you will be responsible for any out-of-pocket expense not covered under your plan.

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