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Freedom Life

Rehabs That Take Freedom Life

Freedom Life is Freedom Life Insurance Company of America, which sells health and supplemental insurance to individuals and families. Some of its policies may help pay toward drug and alcohol treatment, but coverage varies by policy, provider network and level of care. Policies that are not major medical plans may pay fixed amounts, so the kind of policy you hold makes a difference.Texas centers listed here name Freedom Life on their own websites. Before admission, ask the facility and the insurer how your policy pays for detox, residential or outpatient care, what authorization is needed and what you would owe.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept Freedom 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

Community Health Network – Houston

10851 Scarsdale Boulevard, Houston, TX, 77089

4.8★★★★★~~891~~

Federally certified

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+4

Co-occurring DisordersTrauma-informedTeens+6

Spanish spokenDeaf and HoHVietnamese spoken

Records place Community Health Network at 10851 Scarsdale Boulevard, Houston, Texas. Provision here is recorded as intensive outpatient and outpatient care. Both addiction and mental health conditions appear on the record. This is outpatient provision, so daily life continues around the appointments. Telehealth appointments are recorded as available, which widens what is reachable for anyone without transport. The record notes group sessions alongside individual work. The facility is federally registered and licensed by the Texas…

14 miSan Jacinto State Park5.6 miWilliam P. Hobby AirportServes10 towns

Substances treated

Adderall Rehab · Concerta Rehab · Dexedrine Rehab · Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Prescription Stimulant Rehab · Ritalin Rehab · Smoking Cessation Counseling · Smoking Cessation Medication · Stimulant Rehab · +2 more

Levels of care

Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Walk-In Rehab · Weekend Rehab

Therapies

Activity Therapy · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Dialectical Behavior Therapy (DBT) · EMDR Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy · Integrated Dual Disorder Treatment · +2 more

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · First Episode Psychosis · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · +8 more

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Rehab for Domestic Violence Survivors · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Teen Dual Diagnosis Rehab · Teen Outpatient Rehab · Teen PTSD Rehab · +6 more

Support services

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

Languages

Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing Rehab · Spanish Speaking Rehab · Vietnamese Speaking Rehab

Insurance accepted

Aetna · Allstate Health Solutions · Ambetter (Centene) · American Financial Security · Angle Health · BCBS (Blue Cross Blue Shield) · Centene corporation · CHAMPVA · Children's Health Insurance Program (CHIP) · CHRISTUS Health Plan Texas Exchange · +33 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.

Does Freedom Life cover rehab?

No, the Freedom Life products reviewed do not pay for addiction treatment. The PremierAdvantage fixed indemnity and PremierChoice specified disease and accident brochures list treatment of alcoholism and addiction to or abuse of illegal drugs or substances under exclusions, and no detox, residential or outpatient substance use benefit appears in their schedules.

Coverage depends on the exact certificate you hold, so read its exclusions page and call Freedom Life at 800.387.9027 before you book an admission.

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

Does Freedom Life cover alcohol rehab?

No, alcoholism treatment is excluded. The PremierAdvantage, PremierChoice and PremierMed brochures each list the diagnosis, care or treatment of alcoholism as something the policy will not pay for, so withdrawal management, residential stays and counseling for alcohol use fall outside the benefit schedule.

These plans also exclude a sickness or injury caused or contributed to by being intoxicated or under the influence of a drug, unless a provider advised it.

Alcohol Rehabhttps://rehabseekers.com/addictions/alcohol/

Does Freedom Life cover detox?

No, detox is not covered. No withdrawal management benefit appears in the benefit schedules reviewed, and addiction to or abuse of illegal drugs or substances sits in the exclusions of the fixed indemnity, specified disease and accident plans, so a medical detox stay would be billed to you.

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

Does Freedom Life cover inpatient rehab?

No, hospital benefits on these plans are fixed daily amounts, $400, $600 or $700 a day for room and board on PremierChoice, and they do not apply to excluded conditions, which include alcohol and drug addiction treatment. A residential rehab stay is therefore not paid.

Even for a covered condition, a fixed daily amount rarely matches the facility's charge, and you owe the balance above that figure.

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

Does Freedom Life cover therapy or mental health treatment?

No, counseling and psychiatric visits are not paid. PremierChoice excludes Mental, Nervous and Emotional Disorders and PremierAdvantage excludes Mental & Emotional Disorders. PremierChoice pays a fixed $75 or $100 per doctor office visit for up to four visits a year, but that exclusion applies to those visits.

USHEALTH Group publishes no behavioral health vendor, crisis line or nurse line for these plans, so questions go to general customer service.

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

Does Freedom Life cover antidepressants?

No, prescription drugs classified as psychotherapeutic, including antidepressants, are excluded under the PremierAdvantage and PremierMed brochures. PremierChoice's outpatient drug benefit pays up to $10 generic and $40 brand per prescription, with an annual maximum of $800, $900 or $1,250 depending on the plan level.

Optum Rx provides pharmacy services, and the 2026 Prescription Drug List effective January 1, 2026 applies to Freedom Life and its sister companies.

Psychiatric Medicationhttps://rehabseekers.com/medications/psychiatric-medication/

Does the Freedom Life PremierMed short-term plan cover substance use treatment?

No, outside Texas. PremierMed, the short term medical-surgical expense plan, excludes medical expenses for the diagnosis, care or treatment of mental and emotional disorders and substance use. The Texas brochure words it as an exception where Serious Mental Illness and Chemical Dependency benefits are specifically listed, with no limits stated.

PremierMed is non-renewable and runs a maximum of six months from the issue date in Texas and Tennessee, three months in Florida.

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

Is Freedom Life an ACA plan?

No, these are excepted benefit plans. PremierAdvantage is described as a fixed indemnity plan that is not an essential health benefits plan and not minimum essential coverage, and the PremierChoice brochure warns the coverage is not required to comply with certain federal market requirements, principally the Affordable Care Act.

That matters for addiction care, because ACA major medical coverage must include substance use treatment while these excepted benefit policies exclude it.

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

Is Freedom Life the same as UnitedHealthcare?

No, though the two are related. Freedom Life Insurance Company of America is owned by USHEALTH Group, which describes itself as part of UnitedHealthcare, but its policies are separate limited benefit products rather than UnitedHealthcare major medical coverage. PremierAdvantage does use the nationwide UnitedHealthcare Choice Plus network.

AM Best upgraded Freedom Life to A+ (Superior) on December 9, 2021 and said it is now rated as part of UnitedHealthcare within UnitedHealth Group.

Luxury Rehab That Accepts UnitedHealthcarehttps://rehabseekers.com/type/luxury/unitedhealthcare/

Who owns Freedom Life Insurance Company of America?

Freedom Life Insurance Company of America is a wholly owned subsidiary of USHEALTH Group, Inc. of Fort Worth, Texas, which is part of UnitedHealth Group; PitchBook dates that acquisition to August 30, 2019. National Foundation Life and Enterprise Life are its sister underwriting companies.

USHEALTH Advisors, LLC sells the products through licensed agents, and the company name on your certificate shows which insurer issued the plan.

Does Freedom Life require prior authorization?

Yes, on the short-term plan. PremierMed requires pre-certification for certain treatment, and skipping it adds a $1,000 deductible per insured in the multi-state and Florida brochures, or $500 in the Texas brochure. Transplant benefits are reduced by 50 percent without pre-certification.

No prior authorization rule for substance use treatment was found on the fixed indemnity and specified disease plans, because those products exclude that treatment outright.

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

Does Freedom Life cover out-of-network providers?

Yes, in the sense that fixed indemnity plans pay the same set dollar amount whether the provider is in or out of network, and in-network discounts simply stretch that amount further. PremierMed works differently, adding a separate $6,000 out-of-network deductible on top of its $3,000 in-network deductible.

Networks vary by state and product, so check the name printed on the member card before assuming a facility is in network.

Self Pay Rehabhttps://rehabseekers.com/payment/self-pay/

Does Freedom Life have a Medicaid or Medicare plan?

No, neither line is offered. The USHEALTH Group product list contains no Medicaid, CHIP or Medicare Advantage plans; Freedom Life writes fixed indemnity, specified disease, accident, short-term medical, term life, dental and vision products. Adult PremierChoice coverage ends the month after age 65 or Medicare eligibility.

If you qualify for Medicaid or Medicare, addiction treatment benefits come through those programs rather than through a Freedom Life certificate.

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

What states does Freedom Life operate in?

USHEALTH Group markets in 33 states, including Texas, Florida, Tennessee, Arizona, Georgia, Illinois, Ohio, Pennsylvania and North Carolina. California and New York are not on that list. Freedom Life is headquartered at 300 Burnett Street, Suite 200, in Fort Worth, Texas.

Products are not available in every state and benefit amounts vary by state, and the marketing list does not say which sister company underwrites each one.

How do I find a rehab that takes Freedom Life?

Start with the exclusions page of your certificate, since the Freedom Life products reviewed exclude substance use treatment, then call 800.387.9027, open 7:00 AM to 7:00 PM CT Monday to Friday and 8:00 AM to 1:00 PM CT Saturday, to ask what your policy pays.

You can also look up participating providers in the MyUSHG portal, and ask the program directly about self pay or sliding scale rates.

Sliding Scale Rehabhttps://rehabseekers.com/payment/sliding-scale/

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Freedom Life Insurance Company of America is a Fort Worth, Texas stock insurer owned by USHEALTH Group and, through that holding company, part of UnitedHealthcare. It underwrites fixed indemnity, specified disease, accident and short-term medical plans rather than standard major medical coverage, and that single distinction shapes almost everything about paying for addiction treatment with a Freedom Life card in hand.

The products are sold by licensed agents through USHEALTH Advisors, often as group certificates issued to members of an association such as the American Independent Business Coalition in Texas and Tennessee or Southern Consumers Alliance in Florida. They are described in the brochures as excepted benefit plans that are not minimum essential coverage, and one brochure carries the line “THIS COVERAGE IS NOT REQUIRED TO COMPLY WITH CERTAIN FEDERAL MARKET REQUIREMENTS FOR HEALTH INSURANCE, PRINCIPALLY THOSE CONTAINED IN THE AFFORDABLE CARE ACT.”

This guide sets out what the Freedom Life brochures say about substance use treatment, where pre-certification applies, how a fixed dollar benefit behaves against treatment prices, what the pharmacy side covers, how network status works on these plans, and how Freedom Life relates to USHEALTH Group and UnitedHealthcare.

Does Freedom Life Cover Drug and Alcohol Rehab?

Generally no. The PremierAdvantage, PremierChoice and PremierMed brochures list the diagnosis, care and treatment of alcoholism and addiction to illegal drugs or substances among their exclusions, and no detox, residential, partial hospitalization, intensive outpatient or outpatient substance use benefit appears in the benefit schedules of those plans.

One wording difference matters. The Texas PremierMed short-term brochure frames the exclusion as applying “except as specifically enumerated in the SICKNESS AND BODILY INJURY BENEFITS section” and refers to Serious Mental Illness and Chemical Dependency benefits, though the brochure text gives no day or dollar limits for them. A Texas certificate holder should ask Freedom Life on 800.387.9027 exactly what those enumerated benefits pay and for how long, and request the answer in writing before any admission date is set.

What Kind of Plan Is Freedom Life?

Fixed indemnity and specified disease plans pay a set dollar amount per service or per day rather than a share of the bill, and there is no calendar year deductible on PremierAdvantage, PremierChoice or HealthAccess Plus. Whatever the program charges above the scheduled amount is owed by the certificate holder. Adult coverage under PremierChoice ends the month after age 65 or Medicare eligibility, and USHEALTH Group lists no Medicaid, CHIP or Medicare Advantage products at all.

Which plan do you hold? The current product list is PremierAdvantage, PremierChoice, SecureAdvantage, HealthAccess Plus, MedGuard, Accident Protector, Income Protector, Life Protector, Secure Dental and Premier Vision, with PremierMed sold as a non-renewable short-term plan lasting up to six months in Texas and Tennessee and three months in Florida. MedGuard is term life with a critical illness benefit, not health insurance. The certificate, not the brochure, is the document that governs.

What Does This Mean at Each Level of Care?

Medical Detox

No withdrawal management benefit is listed in the brochures reviewed, and the plans also exclude a sickness or injury “caused or contributed to by such Insured’s being intoxicated or under the influence of any drug, narcotic or hallucinogens unless administered on the advice of a Provider.” Alcohol and benzodiazepine withdrawal can cause seizures, so acute withdrawal belongs in an emergency department regardless of what a certificate pays, and medical detox pricing should be discussed with the admissions team as a self-pay figure unless the insurer says otherwise.

Residential and Inpatient

PremierChoice pays hospital room and board of $400, $600 or $700 a day on Plans 1, 2 and 3, but a fixed daily amount does not attach to a condition the certificate excludes. Anyone planning a residential rehab stay should ask the insurer whether any part of the admission would be payable, and ask the program what the daily rate is before the benefit question is settled.

PHP, IOP and Outpatient

PremierChoice pays a fixed $75 or $100 per doctor office visit, up to four visits a year, and the mental health exclusion applies to those visits as well. No partial hospitalization or intensive outpatient benefit appears in the schedules, and the PremierChoice Health & Wellness plan pays only for physical exams and screenings, with no counseling listed.

Does Freedom Life Need Prior Authorization for Rehab?

No prior authorization rule for substance use treatment appears in the materials reviewed, because the products reviewed exclude that treatment. PremierMed does require pre-certification for certain treatment: skipping it adds a $1,000 deductible per insured in the multi-state and Florida brochures, or $500 in the Texas brochure, and transplant benefits are reduced by 50% without pre-certification.

That leaves the certificate holder doing the authorization work in reverse. Rather than asking how to get an admission approved, the useful call asks whether anything about the admission is payable at all, and what pre-certification the short-term plan demands for the medical services that sit alongside treatment, such as a hospital stay for a withdrawal complication.

Four questions for Freedom Life on 800.387.9027

Which company issued my certificate, and which plan and plan level is it?

Does my certificate exclude alcoholism and drug addiction treatment, and is there any enumerated chemical dependency benefit?

What pre-certification does my plan require, and what is the penalty for missing it?

If a claim is denied, what is the written appeal route and the deadline? Lines are open 7:00 AM to 7:00 PM CT Monday to Friday and 8:00 AM to 1:00 PM CT Saturday.

How Much Does Rehab Cost With Freedom Life?

In practice, close to the full billed price, because the brochures exclude addiction treatment and the plans pay scheduled dollar amounts rather than a percentage. PremierChoice carries a policy year maximum of $150,000, $250,000 or $300,000 and a $5,000,000 lifetime certificate maximum, but those ceilings only apply to payable conditions. PremierMed instead uses a $3,000 in-network deductible per insured, with an additional $6,000 out-of-network deductible and out-of-pocket maximums of $3,000 in network and $9,000 out of network, after which the company pays 100%.

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

Set a $400 to $700 daily hospital indemnity against a residential day rate and the gap is obvious, which is why the funding conversation usually moves elsewhere: a self-pay rate negotiated with the admissions team, a sliding scale program, or state-funded care. If household income has changed, it is also worth checking eligibility for Medicaid or for a marketplace plan during open enrollment, since an excepted benefit certificate is not minimum essential coverage.

Does Freedom Life Cover Suboxone, Methadone and Other Addiction Medication?

Partly, on the pharmacy side, and the drug list is the place to look. The 2026 Prescription Drug List effective January 1, 2026 applies to Freedom Life, National Foundation Life and Enterprise Life, runs on three tiers, and includes an Alcohol Deterrents and Anti-craving section showing lofexidine hcl on Tier 1 and LUCEMYRA on Tier 3, plus headings for Opioid Dependence Treatments and Opioid Reversal Agents.

Individual entries for buprenorphine, naltrexone and methadone could not be read from the published list, so a certificate holder should look the exact product up by name and ask how the medical exclusion interacts with a pharmacy fill. The brochures separately exclude prescription drugs classed as psychotherapeutic, including antidepressants, which matters where a co-occurring condition is being treated.

Where the Prescription Is Filled

Optum Rx provides pharmacy services for USHEALTH Group plans, with a pharmacy locator and a drug pricing tool, though the tool’s “Plan Pays” column may not reflect the actual benefit and 90-day or mail order supply is not open to every certificate. PremierChoice pays up to $10 generic and $40 brand per prescription, with an annual maximum of $800, $900 or $1,250 by plan level. Methadone for opioid use disorder is dispensed through licensed opioid treatment programs rather than a retail counter, so it is billed as a program service.

Which Rehab Centers Are In-Network With Freedom Life?

A program is in network when it holds a contract with the PPO network attached to the specific certificate. PremierAdvantage uses the nationwide UnitedHealthcare Choice Plus Network; PremierChoice lets a member use any doctor or hospital, with network discounts stretching the fixed benefit further. Networks vary by state and product, and the ID card, the USHEALTH Group PPO network lookup and the MyUSHG portal are where status is settled.

Programs that accept Freedom Life are gathered on the Freedom Life page, with listings across the states USHEALTH Group markets in, including Texas. 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 what the certificate pays. Remember that a fixed indemnity benefit is the same dollar figure in or out of network, while PremierMed applies that extra $6,000 out-of-network deductible.

How Do I Find a Rehab That Takes Freedom Life?

Start with the certificate’s exclusions rather than the provider directory, since the Freedom Life products reviewed exclude substance use treatment. Then call 800.387.9027 with the plan name to hear what, if anything, is payable, and use the PPO network lookup or the MyUSHG portal for providers. Admissions teams can usually quote a direct rate alongside payment assistance options.

Regulators have taken an interest in how these plans were sold. An Arizona market conduct exam covering 2015 to 2017 found limited benefit policies bundled to resemble major medical alternatives and agents inadequately trained on coverage limits; Pennsylvania penalized the company $150,000 over short-term plan claim delays and producer statements; and in July 2024 Freedom Life entered a $1,000,000 multistate Regulatory Settlement Agreement, neither admitting nor denying findings, after an exam covering January 2021 to September 2023. None of that changes a certificate, but it is a reason to read one closely.

Is Freedom Life the Same as UnitedHealthcare, USHEALTH Group or Freedom Health?

No to all three, with one qualification. USHEALTH Group is the holding company and consumer brand; Freedom Life is one of its three underwriting insurers alongside National Foundation Life on 800.221.9039 and Enterprise Life on 800.606.4482, and the certificate names which one issued the plan. USHEALTH Group describes itself as part of UnitedHealthcare, and AM Best rated the three insurers A+ (Superior) in December 2021 as part of that group, but a Freedom Life certificate is a limited benefit product and not a UnitedHealthcare major medical plan. Freedom Health, a Florida Medicare Advantage carrier, is a different company entirely.

References and Citations

USHEALTH Group / Freedom Life Insurance Company of America — PremierAdvantage, PremierChoice and PremierMed brochures (Texas, Tennessee and Florida forms), product pages, markets-served page and contact pages.
USHEALTH Group — 2026 Prescription Drug List effective January 1, 2026, administered by Optum Rx.
Texas Department of Insurance — Commissioner’s order adopting the multistate Regulatory Settlement Agreement, July 2024; Alaska Division of Insurance adoption giving the exam period.
Arizona Department of Insurance and Financial Institutions — market conduct examination report; Pennsylvania Insurance Department — short-term limited duration plan examination; Missouri Department of Commerce and Insurance — market regulation action, April 2019.
Delaware Department of Insurance — financial examination report on Freedom Life Insurance Company of America; AM Best — rating action, December 9, 2021.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.