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

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 in network with Curative nationwide and with Cigna Healthcare and Evernorth Health Services in Pennsylvania, Washington and Florida, and it 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, Pennsylvania, 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 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

"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