Premium
What you pay to have the plan.
The amount you (or your employer) pay every month to keep your insurance active. You pay it whether or not you use any care — it’s separate from what treatment costs.
Free, Fast, No ObligationMedi-Cal Welcome — All San Diego Plans
Verify Your Insurance
Find out in minutes whether your plan covers treatment at Golden Coast Rehab — and understand exactly what you'd pay. It's free, confidential, and there's no obligation.
- Every day, 8am – 8pm
- 100% confidential — HIPAA & 42 CFR Part 2
- Adults 18+ · dual-diagnosis welcome
Why Verify With Us
What to expect
- 100% Confidential. Your information is private, secure, and never sold.
- No Obligation. Verifying coverage does not commit you to anything.
- Fast Response. A specialist typically calls back within one business day.
Prefer to talk? Call (858) 925-8589 — we're available 24/7.
Check my coverage
Complete the form and we'll handle the rest.
Serving members of every San Diego Medi-Cal plan
Credentialed through Optum, administrator of behavioral health services for the County of San Diego.
Optum, a UnitedHealth Group companyAdministrative Services Organization for County of San Diego behavioral health — we are credentialed with Optum.
County of San Diego Behavioral Health ServicesContracted provider of Specialty Mental Health Services under County Contract 575462.Not sure if you're covered? Verify your benefits in minutes — free & confidential.
Understand Your Coverage
Insurance terms, in plain language
Health-insurance language is confusing by design. Here's what each term actually means for what you'd pay — no jargon, no fine print.
Deductible
What you pay before insurance starts.
The amount you cover out of pocket each year before your plan begins paying its share. Example: with a $2,000 deductible, you pay the first $2,000 of covered care, then your plan kicks in. Many people are further into their deductible than they think.
Copay
A flat fee per visit.
A fixed dollar amount for a covered service — for example, $30 for a therapy session. It usually doesn’t change based on the total cost of the visit.
Coinsurance
Your percentage after the deductible.
Once you’ve met your deductible, you and your plan split covered costs by percentage. With 20% coinsurance, you pay 20% and your plan pays 80% — until you hit your out-of-pocket maximum.
Out-of-Pocket Maximum
The most you’ll pay in a year.
The ceiling on what you pay for covered care in a plan year. Once your deductible, copays, and coinsurance add up to this amount, your plan covers 100% of covered services for the rest of the year.
In-Network
Providers with negotiated rates.
Providers that have a contract with your insurer, so your share is lower and there are no surprise out-of-network bills. If you have Medi-Cal, network rules work differently — specialty mental health and substance use care in San Diego County run through the County behavioral health system, and we are a credentialed County provider.
Prior Authorization
Approval before a level of care.
Some plans require sign-off before they’ll cover a level of care like PHP or IOP. Our admissions team requests and manages this for you — it’s not something you have to chase down.
Explanation of Benefits (EOB)
A summary, not a bill.
The statement your insurer sends after a claim showing what was billed, what they covered, and what you may owe. It looks like a bill but isn’t one — always read the “you owe” line.
How Cost Works
What you actually pay, step by step
With an in-network plan, your cost for a year of covered care moves through three stages — and it can never exceed your out-of-pocket maximum.
Every plan is different. These are general rules — the only way to know your exact numbers is a benefits check. We do it for free and explain every figure before you decide anything.
You meet your deductible
You pay for covered treatment until you reach your annual deductible. If you’ve had other medical care this year, you may already be partway there.
Coinsurance or copays kick in
After the deductible, your plan pays the larger share and you pay a smaller percentage (coinsurance) or a flat copay per service.
You reach your out-of-pocket maximum
Once your payments hit the yearly cap, your plan covers 100% of covered care for the rest of the plan year — so your costs stop there.
Insurance & cost FAQ
Does verifying my insurance cost anything?
No. Verifying your insurance is completely free and carries no obligation to enroll in treatment.
What is a deductible, and how does it affect what I pay for rehab?
A deductible is the amount you pay out of pocket for covered care each plan year before your insurance begins paying its share. For example, with a $2,000 deductible you cover the first $2,000 of treatment, then your plan starts contributing. Because addiction treatment often spans several weeks, many clients meet their deductible early in care — after which coinsurance or copays apply until you reach your out-of-pocket maximum.
What’s the difference between a copay and coinsurance?
A copay is a fixed dollar amount for a covered service (for example, $30 per session). Coinsurance is a percentage of the cost you pay after meeting your deductible (for example, 20%, with your plan paying the other 80%). A plan may use one or both depending on the service.
What is an out-of-pocket maximum?
It’s the most you’ll pay for covered services in a plan year. Once your deductible, copays, and coinsurance add up to that limit, your insurance pays 100% of covered care for the rest of the year. It’s the single most important number for understanding your total potential cost.
Why does being in-network matter?
In-network providers have negotiated rates with your insurer, so your out-of-pocket share is lower and you avoid surprise out-of-network balance bills. If you have Medi-Cal, you do not need to worry about network math here: our specialty mental health and addiction services run through San Diego County's behavioral health system, where we are a credentialed provider, and most Medi-Cal members pay nothing out of pocket.
Will you tell me my exact costs before I start?
Yes. When we verify your benefits, we walk you through your specific deductible, copay or coinsurance, out-of-pocket maximum, and any prior-authorization requirements — in plain language — so you know what to expect before committing to anything.
What if I don’t have insurance?
We can still help. If you live in San Diego County you may qualify for Medi-Cal — our admissions team can point you to enrollment resources. You can also call us at (858) 925-8589 to talk through private-pay options.
Which insurance plans do you accept?
Golden Coast Rehab welcomes Medi-Cal. Submit the form and our admissions team will confirm what your specific plan covers.