Rehabs that take CareFirst in Waco, TX

Many CareFirst plans include some level of coverage for substance use and mental-health treatment, but the details depend entirely on your specific policy — the plan type, the network, and whether the program is medically necessary under your plan's criteria. The only way to know is to call the member services number on your CareFirst card or have someone verify benefits on your behalf.

In-network means a program has a contract with your plan, which usually means a lower share of cost for you. Out-of-network care may still be partially covered under some plans, but your responsibility is often higher, and some plans cover out-of-network care only in limited circumstances. Ask specifically about both when you call.

Pre-authorization is your plan's review of whether a level of care — detox, residential, PHP or IOP — meets its medical-necessity criteria before it agrees to cover it. In most cases the treatment program's admissions or utilization-review staff submits it, not you, though you can ask for a copy of the decision.

Commonly covered levels of care include medical detox, inpatient and residential rehab, partial hospitalization programs, intensive outpatient programs, standard outpatient counseling, medication-assisted treatment, and dual-diagnosis care that treats a mental-health condition alongside a substance use disorder. Which of these your own plan covers, and at what cost share, varies.

Have your CareFirst member ID card in hand and call the behavioral-health or member services number printed on the back. Ask about substance use and mental-health benefits, in-network options within driving distance of Waco, pre-authorization requirements, and what your cost share would be for each level of care. Write down names, dates and reference numbers.

Nothing on this page is a quote or a guarantee. Deductibles, coinsurance and out-of-pocket maximums are set by your policy, and only CareFirst or your plan administrator can confirm what you would owe.

A lot of coverage in McLennan County comes through employers — Baylor University, Baylor Scott & White Health, Ascension Providence, L3Harris Technologies, the City of Waco, Waco ISD, McLennan Community College and McLennan County among them. Employer-sponsored plans are often self-funded, which means the employer sets some benefit rules even when a carrier administers the plan, so two people with the same card can have different coverage.

If someone is in immediate danger, call 911. For a mental-health or substance-use crisis, call or text 988 to reach the Suicide and Crisis Lifeline any time, day or night. Insurance questions can wait; safety cannot.