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Coverage and cost

Does insurance cover recovery coaching? Here is what applies in your state.

Last updated

Everything is virtual: weekly video coaching with a certified peer specialist, daily group meetings, at-home toxicology screening and remote breathalyzer monitoring shipped to your door. Accountable is available in all 50 states and DC. What changes from state to state is how it gets paid for, and this page keeps that current.

50 states + DCCoaching, groups and at-home testing available everywhere in the United States.
Commercial plansCovered by a growing list of commercial health plans, with more added each month.
Medicare in 6 statesFL, NJ, NY, NC, TN and TX: a session-based peer navigation option after an initiating clinician visit.
GEHA, nationwideRecovery coaching and monitoring is an included benefit for GEHA members and their families.
Commercial coverage is expanding month by month, so the table below can lag your plan by a few weeks. The coverage check on the sign-up page is always current. Private pay is $375 a month for weekly coaching plus all groups, with a one-time $125 breathalyzer device fee.

Is recovery coaching covered by insurance?

For many people, yes. There are three ways coverage works with Accountable, and which one applies depends on your plan and where you live.

Commercial health plans

Accountable is covered by a growing list of other commercial health plans, with more added each month. When your plan is in network, coaching, groups and at-home monitoring are covered as a plan benefit. You pay whatever co-pay or deductible your plan sets, and the breathalyzer device is included.

Check your plan

Medicare in Florida, New Jersey, New York, North Carolina, Tennessee and Texas

The Medicare offering is session-based and separate from the subscription program. It is billed under Principal Illness Navigation, Peer Support (PIN-PS), and Medicare covers it only when a licensed clinician from one of our Insurance Offering Partners finds a qualified clinical need after an evaluation visit.

Clinical services and billing for covered services come from the Insurance Offering Partners. Accountable collects only the cost-sharing your plan sets, as billing agent. Cost-sharing cannot be waived, and a denied claim is the member's responsibility. How the Medicare option works

GEHA, in every state

For federal employees and their families on a GEHA plan, recovery coaching and monitoring is an included benefit wherever you live.

See the GEHA benefit

How much does recovery coaching cost without insurance?

Private pay is $375 a month for weekly one-on-one video coaching with a certified peer specialist, plus every daily group and the weekly family group. It is month to month with no contract. Self-pay members pay $125 once for the breathalyzer device.

If you want more than one session a week, plans with two or three sessions a week are on the pricing page. Private pay works the same in every state.

What "in network" means for your cost

In network means your plan covers Accountable directly, so you pay only the cost-sharing your plan sets. Out of network, some plans reimburse part of the cost; the coverage check tells you whether yours does.

How to check whether your plan covers recovery coaching

  1. Have your insurance card ready

    You will need the member ID and the name of your plan. If you are signing up for someone you love, their card works too.
  2. Run the coverage check

    The coverage check on the sign-up page takes a few minutes and tells you whether your plan covers Accountable.
  3. See your cost before you commit

    If your plan is in network, you see what your cost-sharing will be. If it is not, the care team walks you through out-of-network and private pay options.
  4. Or talk to a person first

    Call the care team at (646) 450-7641. Families are welcome to make the first call.

Coverage by state

StateAvailableCommercial plansMedicare peer navigationGEHA
AlabamaYesCheck your planNot yetIncluded
AlaskaYesCheck your planNot yetIncluded
ArizonaYesCheck your planNot yetIncluded
ArkansasYesCheck your planNot yetIncluded
CaliforniaYesCheck your planNot yetIncluded
ColoradoYesCheck your planNot yetIncluded
ConnecticutYesCheck your planNot yetIncluded
DelawareYesCheck your planNot yetIncluded
District of ColumbiaYesCheck your planNot yetIncluded
FloridaYesCheck your planAvailableIncluded
GeorgiaYesCheck your planNot yetIncluded
HawaiiYesCheck your planNot yetIncluded
IdahoYesCheck your planNot yetIncluded
IllinoisYesCheck your planNot yetIncluded
IndianaYesCheck your planNot yetIncluded
IowaYesCheck your planNot yetIncluded
KansasYesCheck your planNot yetIncluded
KentuckyYesCheck your planNot yetIncluded
LouisianaYesCheck your planNot yetIncluded
MaineYesCheck your planNot yetIncluded
MarylandYesCheck your planNot yetIncluded
MassachusettsYesCheck your planNot yetIncluded
MichiganYesCheck your planNot yetIncluded
MinnesotaYesCheck your planNot yetIncluded
MississippiYesCheck your planNot yetIncluded
MissouriYesCheck your planNot yetIncluded
MontanaYesCheck your planNot yetIncluded
NebraskaYesCheck your planNot yetIncluded
NevadaYesCheck your planNot yetIncluded
New HampshireYesCheck your planNot yetIncluded
New JerseyYesCheck your planAvailableIncluded
New MexicoYesCheck your planNot yetIncluded
New YorkYesCheck your planAvailableIncluded
North CarolinaYesCheck your planAvailableIncluded
North DakotaYesCheck your planNot yetIncluded
OhioYesCheck your planNot yetIncluded
OklahomaYesCheck your planNot yetIncluded
OregonYesCheck your planNot yetIncluded
PennsylvaniaYesCheck your planNot yetIncluded
Rhode IslandYesCheck your planNot yetIncluded
South CarolinaYesCheck your planNot yetIncluded
South DakotaYesCheck your planNot yetIncluded
TennesseeYesCheck your planAvailableIncluded
TexasYesCheck your planAvailableIncluded
UtahYesCheck your planNot yetIncluded
VermontYesCheck your planNot yetIncluded
VirginiaYesCheck your planNot yetIncluded
WashingtonYesCheck your planNot yetIncluded
West VirginiaYesCheck your planNot yetIncluded
WisconsinYesCheck your planNot yetIncluded
WyomingYesCheck your planNot yetIncluded

"Check your plan" means Accountable may be in network or covered as an out-of-network benefit depending on your plan; the coverage check tells you which. The Medicare offering is session-based and separate from the subscription; clinical services and billing for covered services come from the Insurance Offering Partners, and Medicare covers only when a licensed clinician finds a qualified clinical need after an evaluation visit. Accountable collects plan-set cost-sharing as billing agent. Read how the Medicare option works.

Common questions

Often, yes. Accountable is covered by a growing list of commercial health plans, and it is an included benefit for GEHA members in every state. In Florida, New Jersey, New York, North Carolina, Tennessee and Texas there is also a session-based Medicare option. Whether your plan covers it depends on the plan, so the coverage check on the sign-up page is the source of truth.

Next step

Check your coverage in a few minutes, or talk to a person first.

The care team can tell you what your plan covers, what private pay costs, and how the first week works. Families are welcome to make the first call.