Short answer: An in-network rehab center has a contract with your insurer for negotiated rates, which usually means lower out-of-pocket cost. An out-of-network center has no such contract, so your plan may cover less, or nothing at all, depending on your benefits. Liberty is in-network with 11 major carriers, including Utah Medicaid.
- In-network centers have a contract with your insurer for negotiated rates
- Out-of-network centers may cost more, or may not be covered at all
- PPO plans often offer partial out-of-network coverage, HMO plans usually do not
- Checking network status before you start treatment avoids billing surprises
- Liberty is in-network with 11 major carriers, including Utah Medicaid
What Is the Difference Between In-Network and Out-of-Network Rehab?
An in-network treatment center has a contract with your insurance company that sets negotiated rates for care. Your insurer agrees to cover a set portion of that negotiated rate, which usually means a lower bill for you.
An out-of-network center has no such contract. Your insurer has not agreed to specific rates with that facility, so you may pay full price, a much larger share of the cost, or in some cases the full cost with no reimbursement at all, depending on your plan type.
Why In-Network Usually Costs Less
Because in-network rates are negotiated in advance, your insurer already knows what it will pay and what you will owe. That typically means a predictable copay or coinsurance amount instead of a surprise bill after treatment.
Out-of-network care skips that negotiation. Even if your plan offers some out-of-network coverage, the facility can bill at its full rate, and you may be responsible for the difference between that rate and what your insurer reimburses.
Navigating Out-of-Network Benefits
Some PPO plans offer partial out-of-network coverage, but it usually comes with a higher deductible and a lower reimbursement rate than in-network care. HMO and many Medicaid plans typically do not cover out-of-network care at all outside of emergencies.
If you are considering an out-of-network center, ask your insurer directly what percentage of the cost they will reimburse, and whether you need to meet a separate out-of-network deductible first.
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This is the place to come heal, the staff is amazing shain(peer support) is the first person in my life to believe in me I will continue to look up... read more
andrew sanders
My experience was something I can not put into words. I am grateful for this opportunity to be sober and a new possibility for life.
Martin Stevens
Liberty saved my life. The peer support team that they have is phenomenal especially Shain. Miranda, Oaklee, and Whitney are the best case managers. They are superstars always putting the... read more
Kevin Gandy
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I had a great experience at Liberty. The staff was genuinely helpful and engaging. I recommend this program to anyone seeing recovery for the first time or coming... read more
Sarah
I really enjoyed the staff here they helped me tremendously. I recommend it to anyone.Bryce, Miranda,Oaklee, Whitney Thanks for the opportunity and encouragement.
Andrew Baker
The 'Bryce Assignments' truly changed my life. The peer support staff went above and beyond, and the empathy I received from Shayne humbled me and changed my way of thinking.... read more
Jennie Sisneros
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I've been to residential 22 times and Liberty helped me in ways that no other program ever could. Shain (peer support) saved my life on my first day when I... read more
Ariel Mecham
Liberty is a great place to find recovery. I just completed their residential treatment and have only fantastic things to say. They helped me to understand and find the person... read more
Jeremy Donaldson
Bryce Miranda and Oakley are my favorite!
KnowinAC Zimmerpost
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Had a great experience! They really care for there clients highly recommended going here
Zach Richardson
I was hesitant about doing residential treatment until I found liberty and it was such a great experience and learned a lot about myself and how to overcome my shame... read more
Matt Thompson
My experience with Liberty was Amazing! I learned to love myself & now feel as though I have self worth. The house & the staff are so great and on... read more
Julie Gammon
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The program and the staff have been just what I needed to heal from my alcoholism. The staff is engaged and truly care. The program has been unique... read more
Christine Axtell
The best IOP EVER !!!! BETTER THEN VALLEY BEHAVIOR HEALTH
Eric Kenyon
Excellent staff and counselors, mcall is my favorite and George is the best at making you feel at home and loved
Chandler Burgess
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Macall is the best this place wouldn't run without her really she does more then anyone
Calvin Richards
Was very nice to me they took me in under their wing like if I was a bird of a feather and so this experience has been the best experience... read more
Sober Kayden
I came to Liberty from Wasatch Crest and I was truly amazed when I came here. I came in with a chronic bad attitude, and I was cold, but the... read more
Neve Glasser
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I had the best experience while at liberty. Liberty helped change my life for the better. I can't explain how loving and caring the staff and clinicians are. When people... read more
Gabrielle Garcia
Best treatment center I've been too. All the staff are super nice. Its a center that is passionate about what they do. The clinicians are invested for the care... read more
Angii 2iisNOe Campbell
Professional staff and they go beyond and over, definitely it’s a calling for them. Would definitely recommend it.
Mike Mwingirwa
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This is an absolutely amazing rehab I recommend it
Chrystal Farrar
নিজে থেকে নেশামুক্ত জীবন গড়়ার লক্ষ্য নিয়ে NA program করতে হবে, তবেই সুস্থ্য থাকা সম্ভব।
S K Ranjan Dolan (দোলন)
This place is truly amazing! I have gained structure, changed my destructive, toxic thoughts, beliefs and habits into positive healthy ones, and now have such a supportive and loving new... read more
Brittany
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I didn’t think I needed treatment until I came through this program. It helped me learn that it wasn’t just my addiction I needed to work on. I learned the... read more
Suzanne Hopkins
I want to thank Liberty for providing me the space and support to begin my process of recovery and healing. This was my first time in treatment, and for those... read more
Nick Wright
Liberty is by far the best treatment facility I've been to. I've been to 3 counting them. They just care... like really care. It's feels like a home. Unfortunately... read more
FuhQ_69
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I was able to come here and get the treatment I needed for starting my recovery in a safe place. The staff helped me along with the owners to help... read more
Joseph Renwick
When I first came to liberty I was so depressed and lost. I was more lost then I realized and didn't know how to fix the damage I caused from... read more
Austin Nicholas
I cannot be more grateful for Liberty Addiction. I just graduated their Residential program and it is absolutely serene the changes I have gone through and the confidence I have... read more
Alyssa Moore
How to Check if a Center Is In-Network With Your Plan
The most reliable way to know is to check directly with the treatment center or your insurer, rather than assume based on the type of plan you have. Liberty’s insurance verification tool checks your specific plan in minutes. You can also read more about what health insurance covers for addiction treatment and how much inpatient rehab costs in Utah to plan ahead.
Liberty’s In-Network Status
Liberty is in-network with SelectHealth, United Healthcare, University of Utah Health, UMR, BlueCross BlueShield, Aetna, EMI Health, Molina Healthcare, Cigna, TriWest Healthcare Alliance for veterans, and Utah Medicaid. Being in-network with this many carriers means most clients pay far less out of pocket than they would at an out-of-network facility.
Want to know if Liberty is in-network with your plan?
Call Liberty Addiction Recovery Centers and our team will confirm your network status. Or check your insurance online in minutes.
Frequently Asked Questions
What does in-network mean for rehab?
In-network means the treatment center has a contract with your insurer for negotiated rates, which usually means a lower, more predictable out-of-pocket cost for you.
What does out-of-network mean for rehab?
Out-of-network means the treatment center has no contract with your insurer. Depending on your plan, you may pay more, or your insurer may not cover the cost at all.
Do all insurance plans cover out-of-network rehab?
No. PPO plans often offer partial out-of-network coverage, while HMO plans and many Medicaid plans typically do not cover out-of-network care outside of emergencies.
Is Liberty in-network with my insurance?
Liberty is in-network with 11 major carriers, including Utah Medicaid. Use our insurance verification tool to confirm your specific plan.
How do I avoid a surprise bill from an out-of-network center?
Ask your insurer directly what percentage of out-of-network care they reimburse before you start treatment, or call Liberty at (801) 997-9183 to confirm in-network options first.
