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American Public Life

Rehabs That Take American Public Life

American Public Life is an insurance company that sells supplemental health products, often through employers and associations. Supplemental plans typically pay set benefits for things like hospital stays or specific services rather than acting as full medical coverage. Depending on the policy, some benefits can apply to drug and alcohol treatment, but what is paid varies by plan, policy terms and level of care.

Louisiana centers on this page name American Public Life on their websites. A supplemental policy usually works alongside a primary health plan, so ask the facility how it handles both. Then contact American Public Life to learn which benefits apply to a treatment stay, whether any preapproval step is required, and what costs your main insurance would leave.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept American Public Life

Capital Area Human Services – Saint Francisville

5266 Commerce Street, Saint Francisville, Louisiana, 70775

3.8★★★★☆32

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

Capital Area Human Services operates from 5266 Commerce Street in Saint Francisville, close enough to St. Francisville and New Roads to serve both. Anyone within about 14 miles can reach it without a major journey, which takes in New Roads, Ventress, Jackson and Morganza. The facility falls within West Feliciana County for the purposes of state and county-funded treatment. Capital Area Human Services delivers intensive outpatient and outpatient care. This is a mental health service…

2.6 miWoodriff Falls22 miBaton Rouge Metropolitan AirportServes4 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Evening Treatment · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Family Education Programs · Illness Management and Recovery · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · Mobile Crisis Response · Psychiatric Walk-In Clinic · +2 more

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Young Adult Rehab

Support services

Case Management · Chronic Illness Management · Health and Wellness Support · Housing and Employment Support · Intensive Case Management · Nutrition and Fitness Counseling · Peer Support · Recovery Support Services · Suicide Prevention Services · Supported Employment

Insurance accepted

90 Degree Benefits · AAG Benefit Plan Administrators · ACUITY Group · Administrative Concepts · Aetna · AIG · Aither Health · Allegiance Benefit Plan · All Savers Insurance Company · AllyAlign Health · +83 more

Capital Area Human Services – 2455 Wooddale Boulevard, Baton Rouge

2455 Wooddale Boulevard, Baton Rouge, Louisiana, 70805

4.0★★★★☆~~165~~

CARF accredited

DetoxResidentialTelehealth+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersMATTrauma-informed+5

Deaf and HoH

2455 Wooddale Boulevard in Baton Rouge puts Capital Area Human Services inside a short drive of Merrydale, Monticello and the towns around them. Monticello, Brownfields, Port Allen and Central all sit within 7 miles of the door. Baton Rouge sits in East Baton Rouge County, and the county's own provision is limited enough that this site draws from a wide area. What is available here is detox and residential treatment. Medication for opioid dependence is…

7.6 miComite River4.6 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

Adderall Rehab · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Cocaine Rehab · Codeine Rehab · Concerta Rehab · +40 more

Levels of care

14-Day Rehab · 21-Day Rehab · 30-Day Rehab · 45-Day Rehab · 60-Day Rehab · 90-Day Rehab · Addiction Retreat · Aftercare and Continuing Care · Anxiety Retreat · Carfentanil Detox Program · +42 more

Therapies

12 Step Rehab · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Contingency Management · Counseling and Therapy · Couples Counseling · Evidence-Based Therapy · Family Therapy · +4 more

Mental health

Co-Occurring Mental Health Conditions · Depression and Anxiety · Mental Health Conditions · Mental Health Treatment · Psychiatric Medication Management · Psychosocial Rehabilitation · Social Skills Training

Groups served

Adult Rehab · Couples Rehab · Early HIV Intervention · Hepatitis Support Services · HIV and Hepatitis Care · HIV Support Services · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Rehab · Men's Residential Rehab · +11 more

Support services

Case Management · Community Outreach · Employment Support · Health and Wellness Support · Health Education · Hepatitis C Treatment · HIV Treatment · Housing and Employment Support · Housing Assistance · Intervention Services · +7 more

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Detox · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Residential Rehab

Insurance accepted

Capital Area Human Services – 2751 Wooddale Boulevard, Baton Rouge

2751 Wooddale Boulevard, Baton Rouge, Louisiana, 70805

4.0★★★★☆~~165~~

CARF accredited

IOPOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersMATTrauma-informed+7

Deaf and HoH

Capital Area Human Services is located at 2751 Wooddale Boulevard in Baton Rouge, within a few minutes of Port Allen and Merrydale. Anyone within about 6 miles can reach it without a major journey, which takes in Port Allen, Merrydale, Gardere and Monticello. Baton Rouge sits in East Baton Rouge County, and the county's own provision is limited enough that this site draws from a wide area. Services run to intensive outpatient and outpatient care.…

9.2 miComite River6.1 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

Adderall Rehab · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · +34 more

Levels of care

Aftercare and Continuing Care · Continuing Care · Discharge Planning · Evening Treatment · Intensive Outpatient Program (IOP) · Online Rehab and Telehealth · Outpatient MAT Clinic · Outpatient Rehab · Overdose Prevention Education · Recurrence Prevention · +2 more

Therapies

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Dual Diagnosis Rehab · Court Ordered MAT · Court Ordered Medicare Rehab · Court Ordered Outpatient Rehab · Court Ordered Rehab · Court Referral Accepted · Early HIV Intervention · Hepatitis Support Services · +23 more

Support services

Case Management · Chronic Illness Management · Community Outreach · Employment Support · Health and Wellness Support · Health Education · Housing and Employment Support · Housing Assistance · Intensive Case Management · Intervention Services · +9 more

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Capital Area Human Services – Plaquemine

24705 Plaza Drive, Plaquemine, Louisiana, 70764

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

24705 Plaza Drive in Plaquemine puts Capital Area Human Services inside a short drive of Crescent, Bayou Goula and the towns around them. That radius takes in Bayou Goula, Addis, Dorseyville and St. Gabriel, all within 9 miles. Iberville County is the relevant authority here, which matters for anyone using state-funded care. Capital Area Human Services delivers intensive outpatient and outpatient care. This is a mental health service rather than an addiction treatment facility. Remote…

5.2 miUpper Grand River20 miBaton Rouge Metropolitan AirportServes6 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Evening Treatment · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Young Adult Rehab

Support services

Insurance accepted

Capital Area Human Services – Gonzales

1056 East Worthey Street, Gonzales, Louisiana, 70737

2.9★★★☆☆16

CARF accredited

IOPOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+7

Deaf and HoH

1056 East Worthey Street in Gonzales puts Capital Area Human Services inside a short drive of Sorrento, Prairieville and the towns around them. The practical catchment runs to roughly 8 miles, covering Sorrento, Prairieville, Darrow and Port Vincent. Gonzales sits in Ascension County, and the county's own provision is limited enough that this site draws from a wide area. Services run to intensive outpatient and outpatient care. Medication-assisted treatment is part of the offer, the…

7.2 miNew River26 miBaton Rouge Metropolitan AirportServes6 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Early HIV Intervention · Hepatitis Support Services · HIV and Hepatitis Care · HIV Support Services · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Outpatient Rehab · +34 more

Support services

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Capital Area Human Services – Donaldsonville

901 Catalpa Street, Donaldsonville, Louisiana, 70346

3.5★★★★☆2

CARF accredited

OutpatientTelehealthWalk-in+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+7

Deaf and HoH

Capital Area Human Services is located at 901 Catalpa Street in Donaldsonville, within 4.3 miles of Darrow and Lemannville. Within around 8 miles that includes Lemannville, Belle Rose, Union and Welcome. Donaldsonville is in Ascension County, which shapes which public funding routes apply. What is available here is intensive outpatient and outpatient care. Medication-assisted treatment pairs buprenorphine, methadone or naltrexone with counseling. Substance use and mental health are treated together rather than in sequence. Telehealth…

7.5 miClaiborne Island31 miBaton Rouge Metropolitan AirportServes4 towns

Substances treated

Levels of care

Aftercare and Continuing Care · Continuing Care · Discharge Planning · Evening Treatment · Online Rehab and Telehealth · Outpatient MAT Clinic · Outpatient Rehab · Overdose Prevention Education · Recurrence Prevention · Walk-In Rehab · +1 more

Therapies

Mental health

Groups served

Support services

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Capital Area Human Services – New Roads

282A Hospital Road, New Roads, Louisiana, 70760

2.3★★☆☆☆3

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

Capital Area Human Services sits at 282A Hospital Road, New Roads — around 2.0 miles from Ventress and 8.5 from Morganza. Morganza, St. Francisville, Livonia and Erwinville all sit within 11 miles of the door. New Roads is in Pointe Coupee County, which shapes which public funding routes apply. What is available here is intensive outpatient and outpatient care. Licensing sits with the Louisiana Department of Health, alongside federal SAMHSA registration. The focus here is…

6.5 miWoodriff Falls21 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Evening Treatment · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Young Adult Rehab

Support services

Insurance accepted

Capital Area Human Services – Howell Boulevard, Baton Rouge

7855 Howell Boulevard, Baton Rouge, Louisiana, 70807

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

Capital Area Human Services is located at 7855 Howell Boulevard in Baton Rouge, within a few minutes of Brownfields and Merrydale. Anyone within about 7 miles can reach it without a major journey, which takes in Merrydale, Baker, Baton Rouge and Port Allen. Baton Rouge sits in East Baton Rouge County, and the county's own provision is limited enough that this site draws from a wide area. Capital Area Human Services offers intensive outpatient and…

11 miComite River1.1 miBaton Rouge Metropolitan AirportServes8 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Evening Treatment · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Young Adult Rehab

Support services

Insurance accepted

Capital Area Human Services – Port Allen

685 Louisiana Avenue, Port Allen, Louisiana, 70767

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

Capital Area Human Services is at 685 Louisiana Avenue in Port Allen. Baton Rouge is 4.8 miles away and Brusly 5.3. Baton Rouge, Brusly, Merrydale and Addis all sit within 7 miles of the door. Port Allen sits in West Baton Rouge County, and the county's own provision is limited enough that this site draws from a wide area. Capital Area Human Services provides intensive outpatient and outpatient care. Capital Area Human Services is federally…

10 miProfit Island6.1 miBaton Rouge Metropolitan AirportServes7 towns

Substances treated

Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Smoking Cessation Counseling · Smoking Cessation Medication · Vaping Cessation

Levels of care

Evening Treatment · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Young Adult Rehab

Support services

Insurance accepted

Capital Area Human Services – Colonial Drive, Baton Rouge

422 Colonial Drive, Baton Rouge, Louisiana, 70806

2.8★★★☆☆11

CARF accredited

OutpatientTelehealthWalk-in+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+6

Deaf and HoH

Capital Area Human Services sits at 422 Colonial Drive, Baton Rouge — around 3.7 miles from Merrydale and 4.3 from Monticello. Within around 6 miles that includes Merrydale, Monticello, Gardere and Port Allen. East Baton Rouge County is the relevant authority here, which matters for anyone using state-funded care. Capital Area Human Services offers intensive outpatient and outpatient care. Medication-assisted treatment is part of the offer, the approach with the strongest evidence for opioid dependence.…

6.7 miComite River6.7 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

Adderall Rehab · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · Fentanyl Patch (Duragesic) Rehab · Fentanyl Rehab · Heroin Rehab · Hydrocodone Rehab · Hydromorphone (Dilaudid) Rehab · +25 more

Levels of care

Abstinence-Based Rehab · Aftercare and Continuing Care · Continuing Care · Discharge Planning · Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient MAT Clinic · Outpatient Rehab · Overdose Prevention Education · +3 more

Therapies

Activity Therapy · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Contingency Management · Counseling and Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · +6 more

Mental health

Groups served

Support services

Case Management · Community Outreach · Employment Support · Health and Wellness Support · Health Education · Housing and Employment Support · Housing Assistance · Intensive Case Management · Intervention Services · Nutrition and Fitness Counseling · +5 more

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

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Common questions

Answered from what is listed here.

What is American Public Life?

American Public Life, branded APL, is a supplemental insurance company founded in 1945 and domiciled in Oklahoma. It sells group gap coverage called MEDlink, along with hospital indemnity, accident, cancer, critical illness, short term disability and term life policies. It is not a major medical health plan.

Policies are sold to employers, associations and unions through independent brokers, and the company holds an A+ (Superior) rating from AM Best, the second highest of sixteen ratings.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Does American Public Life cover rehab?

No, not as primary coverage. APL sells supplemental policies rather than major medical insurance, and the 2021 MEDlink Select gap brochure lists alcoholism or drug addiction as an exclusion. Whether addiction treatment is paid for is decided by the member's main health plan.

Wording varies by state and policy form, so read your certificate or call APL at 800-256-8606, Monday to Friday, 7 a.m. to 6 p.m. CT.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Does American Public Life cover detox?

No, detox is not named as a covered benefit under any APL policy. The MEDlink Select gap form excludes alcoholism or drug addiction, and also excludes charges resulting from intoxication or from being under the influence of a narcotic not prescribed by a physician.

A gap policy pays only toward the deductible and copays your major medical plan leaves, so ask that plan what it allows for medical detox.

Detox Centershttps://rehabseekers.com/programs/detox-centers/

Does American Public Life cover inpatient rehab?

No. Hospital definitions in APL's MEDlink gap policy and its Hospital Indemnity policy both exclude an institution, or part of one, used as a place for rehabilitation, rest, nursing or convalescent care. Residential addiction treatment falls outside what those limited benefit policies pay.

MEDlink Select also excludes rehabilitative or rest care outright, so an inpatient stay is paid, if at all, by the primary major medical plan.

Inpatient Rehabhttps://rehabseekers.com/programs/inpatient/

Does American Public Life cover mental health?

Yes, in part. The MEDlink gap plan lists inpatient treatment of mental or emotional disorders as a covered inpatient benefit. On the 2021 MEDlink Select form, that benefit is capped at 30 days of treatment per covered person per calendar year, with the same cap outpatient.

These are supplemental payments toward charges your main medical plan leaves unpaid, and substance use treatment is excluded under that same policy form.

Inpatient Psychiatric Unithttps://rehabseekers.com/type/hospital/inpatient-psychiatric-unit/

Does American Public Life cover therapy?

No, therapy visits are not a benefit APL sells on its own. Its gap policy can pay toward outpatient mental or emotional disorder charges your major medical plan leaves, limited on the 2021 MEDlink Select form to 30 days of treatment per person each calendar year.

The current MEDlink product page does not name outpatient mental health among its outpatient benefits, so read the certificate issued in your state.

Counseling and Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/

How much does American Public Life pay?

On one Florida employer's MEDlink Select plan from 2021, the gap policy paid up to $4,000 per covered person per hospital confinement and up to $200 per covered person per outpatient day. Each employer group chooses its own maximums, so amounts differ from plan to plan.

If a claim qualifies under more than one MEDlink benefit, only the largest benefit is paid, and a durable medical equipment rider counts toward the outpatient maximum.

Payment Assistance Availablehttps://rehabseekers.com/payment/payment-assistance-available/

Is American Public Life primary or secondary insurance?

Secondary. MEDlink requires the covered person to be enrolled in the employer's other medical plan when charges are incurred, and it excludes services that plan does not cover. It pays toward deductibles, copays and coinsurance rather than acting as your main health insurance.

For MEDlink, the qualifying other medical plan does not include Medicare, Medicaid or TRICARE, and enrollment is guarantee issue with no medical questions or exams.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Does American Public Life cover Suboxone or methadone?

No. APL has no drug formulary, and none of its policies name buprenorphine, Suboxone, naltrexone or methadone. Medication coverage for opioid use disorder is set by your primary health plan, not by a supplemental gap, indemnity or disability policy.

Opioid treatment programs that dispense methadone bill the main medical plan or state funding, so ask the clinic what it takes before your first visit.

Suboxone and Buprenorphine Rehab That Takes Insurancehttps://rehabseekers.com/medications/mat/suboxone-and-buprenorphine-insurance/

Does American Public Life need prior authorization for rehab?

No, prior authorization is not something APL administers. It publishes no authorization or medical necessity rules and does not manage care. The MEDlink gap plan follows the primary medical plan and will not pay toward services that plan does not cover, so any authorization requirement comes from that insurer.

Call your main plan's member services before admission; the supplemental claim is filed afterward using your APL ID card or the Online Service Center.

Residential Rehabhttps://rehabseekers.com/programs/residential/

Does American Public Life have a provider network?

No, there is no published provider network or directory, and APL materials draw no in-network or out-of-network distinction. Members present the MEDlink ID card at the provider's office or file a claim online or by mail. Your primary health plan's network is what determines cost.

Providers can look up eligibility through APL Assist in the Online Service Center or by calling 800-256-8606, and benefits can be assigned so payment goes straight to them.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

How do I find a rehab that takes American Public Life?

Start with your primary health plan, since that plan decides whether addiction treatment is covered and which programs are in network. Then ask the treatment center whether it will accept assignment of American Public Life benefits as secondary payment toward your deductible and copays.

A center's billing office can look up APL benefits through APL Assist or by calling 800-256-8606, and programs listed here will usually bill the major medical plan first.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Is American Public Life the same as American Fidelity?

No, they are two separate insurers in the same corporate family. American Public Life and American Fidelity Assurance Company both sit in the Cameron Group of Companies. American Fidelity Corporation announced the purchase of APL's holding company, American Public Holdings, on April 26, 2000.

APL still trades under its own name and brand, selling through independent brokers, with offices in Oklahoma City, Oklahoma and Flowood, Mississippi.

Does American Public Life work with Medicaid or Medicare?

No, neither. APL offers no Medicaid managed care or Medicare Advantage products, and MEDlink is expressly not a Medicare Supplement policy. The underlying medical plan MEDlink requires excludes Medicare, Medicaid and TRICARE, and APL says its products may be inappropriate for those eligible for Medicaid.

If you have Medicaid or Medicare, that program pays for addiction treatment directly under its own benefit rules and cost sharing.

Medicaid Rehabhttps://rehabseekers.com/insurance-accepted/medicaid/

What states does American Public Life operate in?

Licensed in 49 states, American Public Life does business everywhere except New York, according to Weiss Ratings. The company operated in 25 states when American Fidelity announced its acquisition in 2000. Benefits vary by state, and not every benefit is available in every state.

Offices sit in Oklahoma City, Oklahoma and Flowood, Mississippi, and one customer service line, 800-256-8606, serves every state, Monday to Friday, 7 a.m. to 6 p.m. CT.

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American Public Life Insurance Company, which trades as APL, is a supplemental insurance carrier founded in 1945 that sells group gap, hospital indemnity, accident, cancer, critical illness, short term disability and term life policies. It is not a major medical insurer, so an APL card sits beside a main health plan rather than taking its place.

That distinction decides what an admissions team can do with the card. APL’s gap product, MEDlink, pays toward the deductible, copay and coinsurance amounts left by the employer’s other medical plan, and it only operates while that other plan is in force. APL publishes no provider network, no medical necessity criteria and no drug formulary, because it pays supplemental benefits rather than managing care.

This guide covers what the MEDlink and Hospital Indemnity forms say about addiction and mental health treatment, where the substance use exclusion appears, how the 30-day mental health limits work on one published plan, what a supplemental benefit does to the bill, how medication is paid for, and how to approach a program when APL is the secondary card.

Does American Public Life Cover Drug and Alcohol Rehab?

Not as primary coverage, and on at least one published form not at all. The MEDlink Select brochure issued for a Florida employer in November 2021 lists “alcoholism or drug addiction” as an exclusion, along with rehabilitative or rest care. Coverage for addiction treatment on an APL card is therefore decided by the primary major medical plan.

MEDlink is group supplemental medical expense insurance built to sit on top of a major medical or high deductible health plan, helping with inpatient and outpatient charges that plan does not pay. A covered person has to hold the employer’s other medical plan when the charges are incurred, and that other plan specifically does not include TRICARE, Medicare or Medicaid. APL also states that its products may be inappropriate for anyone eligible for Medicaid.

APL says benefits vary and all benefits may not be available in all states, and the exclusion wording above was found only on that one Florida form. The sensible step before admission is to read the certificate issued to the group and ask APL on 800-256-8606, Monday to Friday, 7 a.m. to 6 p.m. CT, whether the issued form excludes substance use treatment in that state.

Which card pays? The major medical plan named on the primary card sets the network, the authorization rules and the medical necessity decision for treatment. The APL card is a second claim filed afterwards against what the primary plan left behind, within the policy’s own maximums and exclusions.

What Does MEDlink Pay Toward Mental Health Care?

MEDlink’s product page lists inpatient treatment of mental or emotional disorders as a covered inpatient benefit. On the MEDlink Select 7 & 8 Series form, that benefit is capped at a maximum of 30 days of treatment per covered person per calendar year, with the outpatient mental or emotional disorder benefit capped at 30 days a year as well.

The current outpatient list on APL’s MEDlink page names urgent care and emergency room visits, outpatient surgery, physical therapy, optional physician office treatment, outpatient cancer treatment, independent lab tests and durable medical equipment, and does not name outpatient mental health. Where a dual diagnosis is part of the admission, the primary plan is still the one that decides the level of care; the MEDlink claim follows it.

Medical Detox

No APL page lists withdrawal management as a benefit, and the MEDlink Select form excludes charges resulting from being intoxicated or under the influence of any narcotic unless it was administered on the advice of a physician. Authorization and payment for medical detox sit with the primary plan, and acute withdrawal from alcohol or benzodiazepines is an emergency department matter regardless of which cards are in the wallet.

Residential and Inpatient

The hospital definitions in both MEDlink and Hospital Indemnity exclude an institution, or part of one, used as a place for rehabilitation, rest, nursing or convalescent care. A freestanding residential rehab stay is unlikely to meet that definition, so the inpatient benefit is written around hospital confinements rather than around a residential admission.

PHP, IOP and Outpatient

Partial hospitalization and intensive outpatient are not named on any APL page. Where the primary plan authorizes a PHP or IOP day and leaves a copay, a MEDlink outpatient claim may apply if the form in force does not exclude the diagnosis, up to the daily outpatient maximum the group chose.

Does American Public Life Need Prior Authorization for Rehab?

No. APL publishes no prior authorization process and no medical necessity criteria, because it does not manage care. MEDlink pays only toward charges the primary medical plan covers, so the authorization that matters is the one the major medical carrier issues before a detox, residential or PHP admission begins.

MEDlink is guarantee issue, with no medical questions or exam while the person is covered under the other medical plan, and the form carries no pre-existing condition limitation. Late enrollees cannot join. Those terms govern eligibility rather than access to a level of care, which is why the primary plan’s utilization review stays the gatekeeper throughout a stay.

Is American Public Life Primary or Secondary Insurance?

Secondary. MEDlink requires the covered person to hold the employer’s other medical plan when charges are incurred, and it excludes services that plan does not cover. The claim sequence is primary plan first, explanation of benefits next, then the MEDlink claim for what remains, up to the policy maximums.

Before an admission agreement is signed. Tell the admissions team which plan is primary and that APL is supplemental, and ask the billing office whether it will file the secondary claim or whether the member files through APL’s Online Service Center. Where a MEDlink claim qualifies under more than one benefit, only the largest benefit is paid.

How Much Does Rehab Cost With American Public Life?

The primary plan’s deductible and coinsurance set the bill, and MEDlink pays toward it within fixed maximums the employer selects. The published example, a MEDlink Select plan for a Florida employer dated November 2021, pays an in-hospital maximum of $4,000 per covered person per confinement and an outpatient maximum of $200 per covered person per calendar day, with the durable medical equipment rider counting toward that outpatient maximum.

Outpatient benefits can be written at up to 100% of the inpatient benefit, in combined or separate buckets, so another group’s figures will differ. Premiums can be paid by payroll deduction. Against the market rates below, a gap maximum of a few thousand dollars offsets a share of a hospital confinement rather than funding a full course of treatment, which is why self pay rates and payment assistance are worth discussing when the primary plan leaves a large balance.

Typical US market rates before insurance
Level of care	Monthly	Daily
Medical detox (7–14 days)	$1,500 – $5,200 per week	$215 – $745
Residential inpatient	$6,200 – $26,000	$205 – $865
PHP	$7,200 – $14,000	$240 – $465
IOP	$2,700 – $9,200	$90 – $305
Outpatient	$1,300 – $5,200	$45 – $175

Does American Public Life Pay Benefits If Addiction Stops Someone Working?

That is what the Short Term Disability product addresses. APL says its benefits for mental illness, alcoholism and drug addiction may provide financial assistance for a disability related to addiction or mental health. The money is income replacement paid directly to the insured, not payment of a treatment bill, and the insured chooses the benefit amount and elimination period at enrollment.

Does American Public Life Cover Suboxone, Methadone and Other Addiction Medication?

APL has no drug formulary and names no medications on any product page, so medication assisted treatment is covered, or not covered, by the primary health plan’s pharmacy benefit. The MEDlink claim can only follow a charge the primary plan has processed, within that policy’s maximums and exclusions.

Where the Prescription Is Filled

A pharmacy fill of buprenorphine or oral naltrexone runs through the primary plan’s formulary and tiers. Methadone for opioid use disorder is dispensed inside a licensed opioid treatment program as a program service rather than a retail fill, which is why it rarely appears as a pharmacy claim at all. Ask the primary carrier about tier, quantity limits and any step requirement before discharge.

What the ID Card Does

Members present the MEDlink ID card at the provider’s office, or file online or by mail; cards can be viewed, downloaded and printed in APL’s Online Service Center. Benefits can be assigned, and claims filed with “Signature on File” are processed and paid directly to the provider, which spares the member from fronting a charge and waiting for reimbursement.

Which Rehab Centers Are In-Network With American Public Life?

None, in the usual sense. APL describes no provider network and publishes no directory, so there is no in-network or out-of-network distinction on a MEDlink or Hospital Indemnity policy. Network status belongs to the primary major medical plan. A billing office can review eligibility and coverage details through APL Assist in the Online Service Center or by calling 800-256-8606.

Programs that accept American Public Life are gathered on the American Public Life page, with wider listings for private insurance, detox centers and outpatient rehab. Each listing shows the payments the program says it accepts, its licensing and accreditation, and how far it sits from the nearest airport, so a shortlist can be drawn up before the call that settles how the two cards will be billed.

How Do I Find a Rehab That Takes American Public Life?

Start with the primary plan’s network and its authorization rules, then ask the admissions team whether it will accept assignment of APL MEDlink benefits as secondary coverage. The billing office can review eligibility through APL Assist or by calling 800-256-8606; claims go to APL at P.O. Box 248950, Oklahoma City, OK 73124-8950, or by fax to 877-365-9423.

Where the primary plan is Medicare, Medicaid or TRICARE, MEDlink does not apply at all, since those plans do not satisfy the other medical plan requirement. In that situation the search runs on the government benefit instead, and sliding scale or state funded programs are worth asking about for any remaining balance.

Is American Public Life the Same as American Fidelity?

No. They are separate insurers within the Cameron Group of Companies, which Weiss Ratings lists under Cameron Associates Inc. American Fidelity Corporation announced a cash acquisition of American Public Holdings, Inc., the holding company of American Public Life Insurance Company of Jackson, Mississippi, on April 26, 2000. APL still trades under its own name and sells through independent brokers.

APL is domiciled in Oklahoma under NAIC number 60801, with offices in Oklahoma City and Flowood, Mississippi, and is licensed in 49 states; Weiss Ratings lists every state except New York. Because forms differ by state and by group, the certificate issued to the employer is the document that settles what a treatment claim will pay.

References and Citations

American Public Life Insurance Company — product pages for MEDlink, Hospital Indemnity, Short Term Disability, provider and member service pages, and contact details.
American Public Life Insurance Company — MEDlink Select Gap Insurance brochure, MEDlink 7 & 8 Series, document APSB-22597(FL)-1121, November 2021.
American Fidelity Corporation — announcement of the acquisition of American Public Holdings, Inc., April 26, 2000, and Cameron Group of Companies affiliate listing.
Weiss Ratings — company profile for American Public Life Insurance Company, November 2025, covering domicile, NAIC number, licensed states and business mix.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.