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Coverage and cost
Does insurance cover recovery coaching? Here is what applies in your state.
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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.
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.
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.
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
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.Run the coverage check
The coverage check on the sign-up page takes a few minutes and tells you whether your plan covers Accountable.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.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
| State | Available | Commercial plans | Medicare peer navigation | GEHA |
|---|---|---|---|---|
| Alabama | Yes | Check your plan | Not yet | Included |
| Alaska | Yes | Check your plan | Not yet | Included |
| Arizona | Yes | Check your plan | Not yet | Included |
| Arkansas | Yes | Check your plan | Not yet | Included |
| California | Yes | Check your plan | Not yet | Included |
| Colorado | Yes | Check your plan | Not yet | Included |
| Connecticut | Yes | Check your plan | Not yet | Included |
| Delaware | Yes | Check your plan | Not yet | Included |
| District of Columbia | Yes | Check your plan | Not yet | Included |
| Florida | Yes | Check your plan | Available | Included |
| Georgia | Yes | Check your plan | Not yet | Included |
| Hawaii | Yes | Check your plan | Not yet | Included |
| Idaho | Yes | Check your plan | Not yet | Included |
| Illinois | Yes | Check your plan | Not yet | Included |
| Indiana | Yes | Check your plan | Not yet | Included |
| Iowa | Yes | Check your plan | Not yet | Included |
| Kansas | Yes | Check your plan | Not yet | Included |
| Kentucky | Yes | Check your plan | Not yet | Included |
| Louisiana | Yes | Check your plan | Not yet | Included |
| Maine | Yes | Check your plan | Not yet | Included |
| Maryland | Yes | Check your plan | Not yet | Included |
| Massachusetts | Yes | Check your plan | Not yet | Included |
| Michigan | Yes | Check your plan | Not yet | Included |
| Minnesota | Yes | Check your plan | Not yet | Included |
| Mississippi | Yes | Check your plan | Not yet | Included |
| Missouri | Yes | Check your plan | Not yet | Included |
| Montana | Yes | Check your plan | Not yet | Included |
| Nebraska | Yes | Check your plan | Not yet | Included |
| Nevada | Yes | Check your plan | Not yet | Included |
| New Hampshire | Yes | Check your plan | Not yet | Included |
| New Jersey | Yes | Check your plan | Available | Included |
| New Mexico | Yes | Check your plan | Not yet | Included |
| New York | Yes | Check your plan | Available | Included |
| North Carolina | Yes | Check your plan | Available | Included |
| North Dakota | Yes | Check your plan | Not yet | Included |
| Ohio | Yes | Check your plan | Not yet | Included |
| Oklahoma | Yes | Check your plan | Not yet | Included |
| Oregon | Yes | Check your plan | Not yet | Included |
| Pennsylvania | Yes | Check your plan | Not yet | Included |
| Rhode Island | Yes | Check your plan | Not yet | Included |
| South Carolina | Yes | Check your plan | Not yet | Included |
| South Dakota | Yes | Check your plan | Not yet | Included |
| Tennessee | Yes | Check your plan | Available | Included |
| Texas | Yes | Check your plan | Available | Included |
| Utah | Yes | Check your plan | Not yet | Included |
| Vermont | Yes | Check your plan | Not yet | Included |
| Virginia | Yes | Check your plan | Not yet | Included |
| Washington | Yes | Check your plan | Not yet | Included |
| West Virginia | Yes | Check your plan | Not yet | Included |
| Wisconsin | Yes | Check your plan | Not yet | Included |
| Wyoming | Yes | Check your plan | Not yet | Included |
"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
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.