Understand COBRA coverage
If you’re balancing work or family responsibilities and worried about treatment costs, outpatient rehab in network with COBRA insurance can be the solution you need. COBRA allows you to continue your employer’s group health benefits after leaving a job, covering substance use and mental health treatment as one of the 10 essential health benefits required by the Affordable Care Act [1]. At The Hope House, we partner with COBRA plans to help you access high-quality outpatient programs without gaps in coverage.
Eligibility and duration
COBRA continuation coverage applies if you worked for an employer with 20 or more employees and experienced a qualifying event, such as job loss or reduced hours. You have 60 days to elect COBRA after receiving notice from your former employer or plan administrator [2]. Coverage can last:
- 18 months for most qualifying events
- Up to 36 months in cases like disability extensions
Covered benefits
Under COBRA, your in-network outpatient rehab services mirror those you had as an active employee. Coverage typically includes:
- Partial hospitalization and day treatment
- Intensive outpatient programs
- Outpatient therapy and counseling
- Medication-assisted treatment (MAT)
- Family therapy and group support
Your plan’s level determines copays, coinsurance, and deductibles, but you maintain the same provider networks and service access you enjoyed before.
Cost considerations
With COBRA you pay the full premium plus up to a 2% administrative fee. While this cost can be higher than what you paid as an active employee, several factors may ease the burden:
- Subsidies under the American Recovery and Reinvestment Act may cover 65% of COBRA premiums for eligible individuals [3]
- Marketplace plans can be an alternative if COBRA is unaffordable
- Payment plans or sliding-scale fees at treatment centers
Verifying your coverage before starting treatment helps you plan finances and avoid unexpected bills.
Explore outpatient care options
Outpatient levels of care let you attend treatment while living at home, continuing work, school, or family routines. The Hope House offers a spectrum of step-down programs designed to meet you where you are in your recovery.
Step-down levels of care
- Partial hospitalization program (PHP)
- Intensive outpatient program (IOP)
- Standard outpatient services
These programs build on one another, providing flexibility and support as you progress.
Partial hospitalization program
A PHP delivers structured care five days a week, with 4–6 hours of therapy daily. It’s ideal if you need more intensive support than IOP but prefer living at home.
Intensive outpatient program
The IOP at The Hope House offers 9–12 hours of therapy per week in group and individual settings. Sessions typically occur in the evenings or early mornings, making it easier to maintain work or family commitments.
Standard outpatient services
Once you’ve established coping skills, you transition to weekly individual or group counseling, medication management, and peer support. This level focuses on relapse prevention and long-term wellness.
Choose PHP with COBRA
Program structure
Our PHP integrates evidence-based therapies, medical oversight, and peer support:
- Daily group therapy
- Individual counseling sessions
- Psychiatric evaluation and medication management
- Family involvement workshops
Benefits of PHP
Engaging in a PHP offers:
- A supportive community to share experiences
- Close monitoring of mental health and cravings
- Rapid access to higher-level care if needed
- Smoother transition to IOP or outpatient care
By choosing a COBRA-in-network PHP, you receive continuity of care without switching providers or networks.
Join intensive outpatient program
Flexible treatment schedule
With IOP, you attend therapy sessions three to five times per week, typically in the evenings or early mornings. This flexibility allows you to:
- Keep work or school commitments
- Care for family members
- Gradually increase independence
Group therapy sessions
Group therapy is a cornerstone of IOP. You’ll find:
- Shared experiences that reduce isolation
- Accountability partners
- Skills practice in real time
Our licensed therapists guide discussions on triggers, stress management, and relapse prevention.
Access medication assisted treatment
Suboxone outpatient program
Medication-assisted treatment combines FDA-approved medications like Suboxone with counseling. Our MAT program helps you:
- Reduce cravings and withdrawal symptoms
- Stabilize brain chemistry
- Focus on therapy without physical distractions
You can learn more about our outpatient drug and alcohol treatment covered by COBRA [/outpatient-drug-and-alcohol-treatment-covered-by-cobra].
Integrating MAT into rehab
MAT works best when paired with behavioral therapies. At The Hope House:
- A physician oversees your medication plan
- Counselors support lifestyle changes
- Regular check-ins monitor progress
This integrated approach improves outcomes, especially for individuals with co-occurring disorders—a reality for 50% of people seeking help for substance use [1].
Select evidence based therapies
Cognitive behavioral therapy
CBT helps you identify and change thought patterns that lead to substance use. Key features include:
- Skill building for coping with triggers
- Role-playing scenarios
- Homework assignments to reinforce learning
Dialectical behavior therapy
DBT enhances emotional regulation and distress tolerance through:
- Mindfulness exercises
- Interpersonal effectiveness training
- Group skills classes
Holistic therapy options
To support overall wellness, we offer:
- Yoga and meditation
- Art and music therapy
- Nutritional counseling
Integrating mind-body practices fosters balance and reduces stress.
Involve family in recovery
Recovery thrives when loved ones are part of the process. We encourage family participation to build a strong support network.
Family therapy services
Family sessions focus on:
- Improving communication
- Setting healthy boundaries
- Educating on addiction dynamics
You can see how our family therapy in network with COBRA insurance helps repair relationships [/family-therapy-in-network-with-cobra-insurance].
Support network building
Beyond clinical sessions, we host:
- Family education workshops
- Peer support groups for relatives
- Resource referrals for ongoing support
These services empower your support system to sustain your recovery journey.
Verify your insurance benefits
In-network vs out-of-network
Staying in-network maximizes your COBRA benefits. Out-of–network providers may not be covered, resulting in higher costs or no reimbursement [1].
Checking coverage details
Before starting treatment:
- Call your COBRA plan administrator
- Confirm coverage for PHP, IOP, MAT, and therapy
- Ask about copays, coinsurance, and deductibles
- Verify prior authorization requirements
Subsidies and assistance
If COBRA premiums are prohibitive:
- Check for ARRA subsidies covering 65% of premiums [3]
- Explore sliding-scale fees or payment plans at The Hope House
- Consider Marketplace plans with subsidies
Begin your treatment journey
Getting started at The Hope House
Taking the first step can feel daunting, but our admissions team guides you through:
- Insurance verification and benefit explanation
- Personalized assessment with a clinician
- Scheduling your initial sessions
Next steps and contacts
Recovery is a path you don’t walk alone. Reach out today:
- Call our admissions line 24/7
- Schedule a virtual benefits consultation
- Visit our campus for an in-person tour
At The Hope House, you’ll find compassionate professionals, tailored programs, and the in-network coverage you need to heal.
