Insurance Plans Accepted at Victory Bay

Questions about cost often come up first, and that's completely understandable. Our admissions team works with your insurance company for you and explains your benefits in plain language. The easiest first step is to verify your insurance online or call us anytime.

Verify Your Insurance

Call 855-239-5099

A person handing a credit card to a receptionist.

We Accept Most Major Insurance Plans

Yes. Victory Bay accepts many major commercial insurance plans, including Aetna, Blue Cross Blue Shield, Cigna and UnitedHealthcare. The full list varies by state. Coverage depends on your specific plan, so our admissions team will verify your benefits and explain what to expect before you start.

Victory Bay is Joint Commission accredited and LegitScript certified. We offer outpatient through residential care for adults living with mental health, substance use and eating disorders, plus mental health care for teens.

Insurance Carriers We Work With

The plans we accept vary by state. Below are the carriers we currently work with for care through our offices in New Jersey, Massachusetts and Indiana.

Insurance carriers by state
State	Insurance Carriers
New Jersey	Aetna AmeriHealth Anthem Blue Cross Blue Shield Cigna Empire (Anthem) Highmark Horizon Independence UnitedHealthcare
Massachusetts	Aetna Anthem Blue Cross Blue Shield Blue Cross Blue Shield of Massachusetts Cigna Harvard Pilgrim UnitedHealthcare Wellmark
Indiana	Aetna Anthem Blue Cross Blue Shield Cigna UnitedHealthcare

Don't see your plan here? Please reach out anyway. Insurance networks change over time, and the only way to know for sure is to check your specific plan.

Have coverage through CareFirst, Highmark or Regence? You'll find plan-specific information on our pages for CareFirst, Highmark and Regence members. Our team can also walk you through how your plan applies at Victory Bay.

What Does Insurance Cover?

Many health plans cover medically necessary behavioral health care, including residential and outpatient treatment. How much your plan pays depends on your deductible, copays or coinsurance, prior authorization rules and whether we're in network with your plan.

Residential Care

Plans often cover medically necessary residential treatment, though many require prior authorization and ongoing reviews of clinical need. You may share costs through your deductible or coinsurance. We'll help you understand these details before admission.

Outpatient Programs

How Federal Parity Law Can Help

Under the Mental Health Parity and Addiction Equity Act, plans that cover mental health or substance use care generally can't make that coverage more restrictive than medical and surgical coverage. That includes cost sharing such as copays and coinsurance, as well as limits such as visit caps, according to the CMS fact sheet on mental health parity. The law doesn't require plans to cover this care, and it doesn't apply to every plan.

How to Verify Your Insurance

Checking your benefits is simple. Here's how it works.

1. Gather Your Plan Details

It helps to have a few things nearby when you reach out:

Your insurance card (front and back)
Your member ID number
The policyholder's name and date of birth, if the plan is in someone else's name
Your insurance company's phone number, listed on your card

2. Reach Out Online or by Phone

3. We Confirm Your Benefits

No Insurance? We Can Still Help

Not having insurance doesn't have to keep you from getting care. Victory Bay offers self-pay options in every state where we provide services. Our admissions team will talk with you about the program that fits your needs and explain self-pay costs clearly before you decide anything.

Frequently Asked Questions

Have a question we didn't cover here? Browse our FAQs or call our team.

How Do I Check if My Insurance Covers Treatment at Victory Bay?

You can check by completing our online insurance verification form or calling 855-239-5099. Our admissions team will contact your insurance company, confirm your benefits and explain your coverage in plain language. It helps to have your insurance card and member ID ready when you reach out.

Does Victory Bay Accept Medicaid or Medicare?

Will My Insurance Cover the Full Cost of Residential Treatment?

Verify Your Benefits Now

When you're ready, we're here to help you understand your coverage. Verify your insurance online, or contact us with any questions. Our team will listen, answer honestly and help you take the next step at a pace that feels right.

Verify Your Insurance

Call 855-239-5099