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Pan-American Life Insurance

Rehabs That Take Pan-American Life Insurance

Pan-American Life Insurance refers to Pan-American Life Insurance Group, an insurer based in New Orleans that offers life, accident and health coverage in the United States and Latin America. Health policies from the company can include drug and alcohol treatment, but benefits vary by policy, provider network and level of care, from detox and residential stays to outpatient counseling.Centers in Illinois name Pan American Life on their own websites. Before admission, ask the facility and the insurer whether the center is in network, whether prior authorization is needed, and what share of the cost you would pay.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept Pan-American Life Insurance

Nulife Recovery Services Inc – Worcester

359 Main Street, Worcester, Massachusetts, 1608

4.9★★★★★43

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+2

Co-occurring DisordersMATTrauma-informed+9

Nulife Recovery Services Inc is located at 359 Main Street in Worcester, within a few minutes of Northborough and Westborough. People travelling from Northborough, Westborough, Spencer and Oxford are all inside 10 miles. Worcester sits in Worcester County, and the county's own provision is limited enough that this site draws from a wide area. What is available here is partial hospitalization, intensive outpatient and outpatient care. Medication for opioid dependence is available here alongside talking…

2.0 miMiddle River3.8 miWorcester Regional AirportServes23 towns

Substances treated

Adderall Rehab · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Chronic Pain and Substance Use · Codeine Rehab · Concerta 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 Rehab · Overdose Prevention Education · Partial Hospitalization Program (PHP) · Post-Treatment Follow-Up · +2 more

Therapies

12 Step Rehab · Activity Therapy · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Contingency Management · Counseling and Therapy · Couples Counseling · Dialectical Behavior Therapy (DBT) · +11 more

Mental health

Co-Occurring Mental Health Conditions · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · Mental Health Conditions · Mental Health Treatment · Psychiatric Medication Management · Psychosocial Rehabilitation · Psychosocial Rehab Services · +5 more

Groups served

Active Duty Military Dual Diagnosis Rehab · Active Duty Military Outpatient Rehab · Active Duty Military PTSD Rehab · Active Duty Military Rehab · Active Duty Military Telehealth · Active Duty Military Trauma Rehab · Adult Rehab · Couples Rehab · Court Ordered Dual Diagnosis Rehab · Court Ordered MAT · +50 more

Support services

Case Management · Community Outreach · Education and Job Training · Employment Support · Housing and Employment Support · Housing Assistance · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · +1 more

Insurance accepted

Aetna · Allied Benefit Systems · BCBS (Blue Cross Blue Shield) · Carelon Behavioral Health · CareSource · Centene corporation · CHAMPVA · Cigna Healthcare · Community Health Alliance · ComPsych · +23 more

Southeastern Behavioral Healthcare – Sioux Falls

2000 South Summit Avenue, Sioux Falls, SD 57105

4.8★★★★★5

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersTrauma-informedTeens+6

Spanish spoken

Southeastern Behavioral Healthcare operates from 2000 South Summit Avenue in Sioux Falls. The site sits in Minnehaha County, which shapes which public funding routes apply. Nearby communities include Anderson, Canton and Harrisburg. South Dakota draws people across long distances for treatment, so travel time is worth weighing against waiting time. Outpatient care is delivered here, alongside telehealth appointments and care for co-occurring mental health conditions. Which level fits depends on the assessment rather than on…

2.1 miSioux Falls4.1 miSioux Falls Regional AirportServes8 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 · +1 more

Mental health

Assertive Community Treatment (ACT) · 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 · +9 more

Groups served

Adult Rehab · Couples Rehab · Court Ordered Dual Diagnosis Rehab · Court Ordered Medicare Rehab · Court Ordered Outpatient Rehab · Court Ordered Rehab · Court Referral Accepted · Rehab for Domestic Violence Survivors · Senior Outpatient Rehab · Senior Rehab · +11 more

Support services

Case Management · Education and Job Training · Housing and Employment Support · Housing Assistance · Intensive Case Management · Peer Support · Recovery Support Services · Suicide Prevention Services · Supported Employment · Vocational Rehabilitation

Languages

Spanish Speaking Rehab

Insurance accepted

Administrative Concepts · Aetna · Allied Benefit Systems · American Healthcare Alliance · American Republic · Assurant Health · Assured Life Association · Avera · BCBS (Blue Cross Blue Shield) · Benefit Management · +34 more

Nulife Recovery Illinois Inc – Buffalo Grove

1400 Lake Cook Road, Buffalo Grove, Illinois, 60089

4.9★★★★★48

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+2

Co-occurring DisordersMATTrauma-informed+9

Nulife Recovery Illinois Inc is located at 1400 Lake Cook Road in Buffalo Grove, within a few minutes of Wheeling and Riverwoods. Within around 5 miles that includes Prospect Heights, Deerfield, Bannockburn and Arlington Heights. Buffalo Grove is in Lake County, which shapes which public funding routes apply. Nulife Recovery Illinois Inc provides partial hospitalization, intensive outpatient and outpatient care. Medication-assisted treatment pairs buprenorphine, methadone or naltrexone with counseling. Addiction and mental health care run…

9.2 miSkokie River12 miChicago O'Hare International AirportServes54 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Insurance accepted

Aetna · BCBS (Blue Cross Blue Shield) · Carelon Behavioral Health · CareSource · Centene corporation · CHAMPVA · Cigna Healthcare · Community Health Alliance · First Health · Harvard Pilgrim Health Care · +19 more

Nulife Framingham Inc – Framingham

130 Worcester Road, Framingham, Massachusetts, 1702

5.0★★★★★41

SAMHSA listed

PHPOutpatientTelehealth

Accepts InsuranceAccepts MedicaidAccepts Medicare+2

Co-occurring DisordersTrauma-informedVeterans+6

Nulife Framingham Inc operates from 130 Worcester Road in Framingham, close enough to Cochituate and Wellesley to serve both. Anyone within about 8 miles can reach it without a major journey, which takes in Cochituate, Wellesley, Cordaville and Dover. The facility falls within Middlesex County for the purposes of state and county-funded treatment. Nulife Framingham Inc provides partial hospitalization, intensive outpatient and outpatient care. Addiction and mental health care run alongside each other here. Some…

9.5 miStop River13 miLaurence G Hanscom FieldServes65 towns

Substances treated

Adderall Rehab · Concerta Rehab · Dexedrine Rehab · Prescription Stimulant Rehab · Ritalin Rehab · Stimulant Rehab · Vyvanse Rehab

Levels of care

Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Partial Hospitalization Program (PHP) · Weekend Rehab

Therapies

Mental health

Co-Occurring Mental Health Conditions · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · Mental Health Conditions · Mental Health Treatment · Psychosocial Rehabilitation · Psychosocial Rehab Services · PTSD Treatment · +3 more

Groups served

Support services

Case Management · Education and Job Training · Housing and Employment Support · Peer Support · Recovery Support Services · Suicide Prevention Services

Insurance accepted

Nulife Indiana Inc – Fishers

9623 Windermere Boulevard, Fishers, IN, 46037

4.8★★★★★73

Joint Commission

PHPIOPOutpatient+2

Accepts InsuranceAccepts MedicaidSelf-Pay

Co-occurring DisordersMATTrauma-informed+9

Nulife Indiana Inc is based at 9623 Windermere Boulevard in Fishers, Indiana. Provision here is recorded as partial hospitalization, intensive outpatient and outpatient care. Provision spans substance use and mental health together. People attend appointments and go home afterwards, which is how outpatient care works. Remote appointments appear on the record, useful where travel is difficult. Group and family work are both recorded. The provider appears in the federal treatment register, with state licensing through…

15 miRCA Dome (historical)22 miIndianapolis International AirportServes10 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Insurance accepted

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

Levels of care

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

Therapies

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

More Addiction Rehabs That Take Pan-American Life Insurance 13–16 of 16

Capital Area Human Services – New Roads

282A Hospital Road, New Roads, Louisiana, 70760

2.3★~~(3)~~

OutpatientTelehealthWalk-inAccepts InsuranceAccepts Medicaid+6

Capital Area Human Services – Howell Boulevard, Baton Rouge

7855 Howell Boulevard, Baton Rouge, Louisiana, 70807

4.0★~~(165)~~

OutpatientTelehealthWalk-inAccepts InsuranceAccepts Medicaid+6

Capital Area Human Services – Port Allen

685 Louisiana Avenue, Port Allen, Louisiana, 70767

4.0★~~(165)~~

OutpatientTelehealthWalk-inAccepts InsuranceAccepts Medicaid+6

Capital Area Human Services – Colonial Drive, Baton Rouge

422 Colonial Drive, Baton Rouge, Louisiana, 70806

2.8★~~(11)~~

OutpatientTelehealthWalk-in+1Accepts InsuranceAccepts Medicaid+6

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Common questions

Answered from what is listed here.

Does Pan-American Life cover rehab?

Yes, but what you get depends on the product. Pan-American Life sells employer fixed indemnity, self-funded MEC and student plans rather than major medical. A fixed indemnity plan like PanaMed pays a set daily amount toward an inpatient substance use stay, while student certificates pay a percentage of the charges.

Self-funded MEC plans are described as preventive care only, with no rehab or detox benefit, so read the plan guide before you arrange an admission.

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

Does Pan-American Life cover inpatient rehab?

Yes. Inpatient substance use treatment is the one level of care a PanaMed fixed indemnity plan pays for. One employer's 2024 guide paid $500, $1,000 or $1,500 per day by benefit level, up to 30 days per calendar year, with the member owing charges above that.

Dollar amounts and day caps are set per employer group, so your own schedule of benefits is the only reliable figure to work from.

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

Does Pan-American Life cover detox?

Yes, when detox is delivered as an inpatient hospital admission. The 2025-26 CSU Chico student certificate treats detoxification as an acute inpatient hospital service, and on a PanaMed fixed indemnity plan a detox stay falls under the inpatient substance use daily benefit. No separate detox benefit is listed.

Ambulatory detox is not described in the PanaMed guide, which excludes substance use counseling outside a hospital admission, so ask how the setting will be billed.

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

Does Pan-American Life cover outpatient rehab?

No, not on the fixed indemnity side. One employer's 2024 PanaMed guide excludes counseling for mental illness or substance use outside a hospital admission. Student certificates are different: the CSU Chico plan pays outpatient substance use treatment at 100% in network with a $20 copay.

That certificate also covers partial hospitalization and intensive outpatient programs where program criteria are met, while the 2026-27 UA Fort Smith plan caps outpatient substance use treatment at 30 visits.

Outpatient Rehabhttps://rehabseekers.com/programs/outpatient/

Does Pan-American Life cover alcohol rehab?

Yes, on the same terms as other substance use treatment. The plan documents do not split the inpatient benefit by substance, so an alcohol admission draws the same fixed daily amount and the same day cap as any other inpatient substance use stay.

On one employer's 2024 PanaMed plan that cap was 30 inpatient days per calendar year, with outpatient alcohol counseling excluded entirely.

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

Does Pan-American Life cover therapy?

No, outpatient counseling is excluded on one employer's 2024 PanaMed plan. That group did add the SupportLinc employee assistance program, which gives up to eight counseling sessions per presenting concern to the employee and immediate family, covering anxiety, depression, grief, substance use and stress.

Student certificates do pay outpatient mental health: a $20 copay at CSU Chico, and 75% in network on the 2026-27 UA Fort Smith plan.

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

Does Pan-American Life cover mental health hospital stays?

Yes, inpatient psychiatric stays are covered alongside substance use admissions. One employer's 2024 PanaMed plan paid $500, $1,000 or $1,500 per day by benefit level, up to 60 days per calendar year. The 2026-27 UA Fort Smith student certificate pays 100% in network and 80% out, to a 45-day maximum.

Fixed indemnity pays the same daily amount wherever you are admitted, and anything the hospital charges above that figure is yours to pay.

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

Is Pan-American Life major medical insurance?

No. PanaMed is a limited benefit fixed indemnity plan, classed as an excepted benefit under the ACA. It pays a set amount per day rather than a share of the bill, has no deductible or copay, and does not meet ACA minimum standards on its own.

Pan-American Life also sells self-funded MEC, a Minimum Value Plan at 60% actuarial value and Panabridge Advantage, which pairs a self-funded plan with indemnity coverage.

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

How much does rehab cost with Pan-American Life?

On one employer's 2024 PanaMed plan, an inpatient substance use day paid $500, $1,000 or $1,500 depending on benefit level, for up to 30 days a year. You owe the difference between that fixed amount and what the program charges.

Residential rates commonly run well above those daily figures, so ask for the full daily rate in writing and plan for the balance.

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

Does Pan-American Life cover out-of-network rehab?

Yes. PanaMed can be used at any hospital or physician's office and the fixed daily benefit is the same either way; the PPO network only buys discounted provider prices. Student certificates pay out-of-network care at 80% of usual and customary charges instead of 100%.

Out-of-network outpatient mental health drops to 50% on the 2026-27 UA Fort Smith certificate, so the setting and the school's plan year both matter.

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

Does Pan-American Life need prior authorization for rehab?

No prior authorization rule is described for the PanaMed fixed indemnity plan, where benefits are fixed daily amounts paid when a covered event happens. Student certificates give no pre-certification number, but the insurer reserves the right to review mental health and substance use programs against its program requirements.

Benefits on that sample plan are assigned automatically to the provider, so the center bills the insurer directly for the daily amount.

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

Does Pan-American Life cover Suboxone?

No specific Suboxone policy is published by Pan-American Life. On a PanaMed plan, prescriptions run through the Limited Rx Benefit, which pays fixed dollar amounts through the RxEDO network; one 2024 group had $10 generic and $30 formulary brand copays with a $400 monthly maximum per person.

The pharmacy help desk on that group's materials is (800) 522-7487; ask whether buprenorphine products sit on the formulary before you fill.

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

Does Pan-American Life offer Medicaid or Medicare plans?

No, Pan-American Life does not sell Medicaid or Medicare plans. Its US product list is employer group, supplemental and student coverage: fixed indemnity, self-funded MEC and Enhanced MEC, a Minimum Value Plan, gap supplemental insurance and short-term medical. ACA marketplace plans are not sold either.

If you or a loved one also holds Medicaid or Medicare, that coverage is usually the one to use for detox and residential treatment.

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

What states does Pan-American Life operate in?

Pan-American Life Insurance Group writes business in 49 US states plus the District of Columbia, Puerto Rico and the US Virgin Islands, and in more than 22 countries across Latin America and the Caribbean. Individual products are not sold in every state.

US offices sit in New Orleans, Richardson in Texas, Oak Brook in Illinois and Coral Gables in Florida; PanaMed is also sold in Puerto Rico.

How do I find a rehab that takes Pan-American Life?

Start with the network your plan rents. The 2024 sample PanaMed group ran on the First Health Network, searchable at providerlocator.com/palicfh or by calling 1-888-298-6828. Then ask the program what the daily benefit pays and what you would owe above it.

US group members can also call 1 (877) 569-3075 or sign in at mypalic.com for plan documents, claims and an ID card.

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

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Pan-American Life Insurance Group is a policyholder-owned life, accident and health insurer founded in New Orleans in 1911, and in the United States it writes employer group, supplemental and student plans rather than marketplace, Medicare Advantage or Medicaid coverage. For anyone pricing addiction treatment, that one fact settles most of the answer before the first phone call.

The US health product set is fixed indemnity, self-funded minimum essential coverage, gap and short-term plans, each paired with a rented PPO network. A fixed indemnity plan such as PanaMed pays a predetermined dollar amount per day toward a covered stay instead of a share of the bill, and the plan guide describes it as a limited benefit plan, an excepted benefit under the ACA that is not designed to cover all medical expenses. A residential day billed at $900 against a $500 daily benefit leaves the difference with the policyholder.

This guide covers what each Pan-American Life product pays toward detox, residential care and outpatient treatment, the published figures from one employer group and two student certificates, how authorization and review work, what medication coverage amounts to under a fixed-dollar pharmacy benefit, and how to shortlist a program before the admissions conversation.

Does Pan-American Life Cover Drug and Alcohol Rehab?

It depends on the product, and inpatient care is where the coverage sits. The PanaMed fixed indemnity plan pays a set daily amount for an inpatient substance use stay and excludes counseling outside a hospital admission. Student certificates issued through the group pay a percentage of charges across detox, residential, partial hospitalization, intensive outpatient and outpatient treatment.

The self-funded products answer differently again. Self-Funded MEC is described as preventive care paid at 100% in network, with no addiction or detox benefit set out. Self-Funded Enhanced MEC adds flat copays for primary care, specialist, urgent care, labs and imaging. For Panabridge, Panabridge Advantage, the Minimum Value Plan and Short-Term Medical, no behavioral health or substance use detail is published, so the benefit schedule from the employer’s benefits administrator is the only reliable source. Pan-American Life Insurance Company administers claims for the group health products itself; no behavioral health carve-out vendor is named.

What Does a Fixed Indemnity Plan Actually Pay for a Stay?

PanaMed pays a fixed amount per day per service with no deductible, copay or coinsurance, and benefits are automatically assigned to the treating provider. One 2024 employer guide, for the Dale Rogers Training Center group, published an inpatient substance use benefit of $500, $1,000 or $1,500 per day depending on the benefit level chosen, employee-only tiers, up to 30 days per calendar year. The family composite on the same guide paid $500, $750 or $1,000 per day to the same 30-day cap. Those amounts are set per employer group, and the public flyer lists service categories without dollar figures.

Medical Detox

Under PanaMed a withdrawal management admission falls under the inpatient daily benefit; no separate detox line appears in the guide. The 2025-26 California State University, Chico student certificate treats detoxification as an acute inpatient hospital service. Alcohol and benzodiazepine withdrawal can produce seizures, and acute withdrawal belongs in an emergency department rather than a benefits discussion, with medical detox arranged from there.

Residential and Inpatient

Residential rehab is paid as a daily amount under fixed indemnity, capped in the 2024 sample group at 30 days per calendar year. The CSU Chico certificate covers residential treatment at a state-licensed provider or program, and the 2026-27 University of Arkansas – Fort Smith certificate pays inpatient substance use treatment at 100% of the negotiated rate in network and 80% out of network, with a 28-day maximum.

PHP, IOP and Outpatient

The 2024 PanaMed guide excludes counseling for mental illness or substance use outside a hospital admission, so PHP, IOP and outpatient rehab are not benefits on that design. Student certificates read the other way: CSU Chico pays outpatient substance use treatment at 100% in network and 80% out of network with a $20 copay and covers partial hospitalization and intensive outpatient where program criteria are met, while UA Fort Smith caps outpatient substance use treatment at 30 visits.

Which Pan-American product do you hold? PanaMed fixed indemnity, Panabridge or Panabridge Advantage, Self-Funded MEC or Enhanced MEC, the Minimum Value Plan, Short-Term Medical, or a student limited benefit certificate underwritten by Pan-American International Insurance Corporation through SMIC Trust. The product name on the card, not the company name, is what an admissions team needs.

Does Pan-American Life Need Prior Authorization for Rehab?

No prior authorization rule is described in the PanaMed plan guide, because the fixed daily amount pays on a covered event rather than on a medical necessity review. Student certificates give no pre-certification phone number, but the insurer reserves the right to review mental health and substance use programs, in network and out, against program requirements.

No published medical necessity criteria or pre-certification line was found for any Pan-American Life product, which makes two questions worth putting to the group member services number before an admission: whether the daily benefit pays from day one, and whether a written benefit schedule can be sent to the admitting program. Groups sitused in Pennsylvania carry one further rule on PanaMed, a pre-existing condition exclusion with a 12-month lookback, so a condition treated in the year before the effective date is worth raising directly.

Ask the admissions team for a daily rate. A fixed indemnity benefit only makes sense against the program’s own per-day charge. Ask what a day of detox and a day of residential care are billed at, then set that beside the daily benefit and the day cap on the plan schedule. The gap is the number that decides whether admission is workable.

How Much Does Rehab Cost With Pan-American Life?

Under fixed indemnity the plan pays a fixed daily sum and the balance of the bill stays with the policyholder. In the 2024 sample group that sum was $500, $1,000 or $1,500 per inpatient day by benefit level, to 30 days a year, alongside hospital confinement benefits of $1,000, $2,000 or $3,000 per day and intensive care at $2,000, $4,000 or $6,000 per day to a 30-day maximum.

Student certificates work on percentages and caps instead. The CSU Chico plan carries a $0 deductible, an out-of-pocket maximum of $3,000 in network and $5,000 out of network per policy year, a $300,000 total maximum benefit per policy year, and a $50 copay on inpatient substance use treatment. The UA Fort Smith plan carries a $100 deductible per policy year per person, waived at the student health center. Both are labelled limited benefit coverage that does not provide some benefits required by the ACA.

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

Those are the sums a program bills without coverage. A daily indemnity benefit covers part of a residential day and little of a hospital one, which is why admissions teams are often asked about a self-pay rate or a sliding scale alongside the plan benefit rather than instead of it.

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

No published policy on buprenorphine, naltrexone or methadone was found in Pan-American Life’s materials. PanaMed carries a Limited Rx Benefit Plan that pays a fixed dollar amount per day for a maximum number of days per month or year through the RxEDO pharmacy network, more than 68,000 retail pharmacies plus mail order, so the question to put to the plan is what fixed amount applies to a specific drug.

Where the Prescription Is Filled

The 2024 sample group showed a $10 copay on generics and $30 on formulary brands for a 30-day supply, with a $400 monthly maximum per person, and a pharmacy help desk on (800) 522-7487. A Suboxone prescription is a retail fill and runs against that maximum; methadone for opioid use disorder is dispensed inside a licensed opioid treatment program rather than at a pharmacy counter, so it is billed as a program service. Ask the clinic how it bills medication-assisted treatment before the first dose.

Counseling Through the EAP

Where an employer adds the Employee Assistance Program, counseling exists outside the medical benefit. The 2024 sample group used SupportLinc on 1-888-539-3327, offering up to eight counseling sessions per presenting concern for the employee and immediate family, covering anxiety, depression, grief, substance use, anger and stress. The EAP is an optional ancillary product, so not every group has one. Telemedicine is included with the fixed indemnity plan, HealthiestYou in that group with 24/7 doctor access and no consult fee, though whether therapy is included is not stated.

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

A program is in network with a Pan-American Life plan when it holds a contract with the PPO network rented for that specific product, not with the insurer directly. The 2024 sample group used the First Health Network with a wrap network for rural and suburban access. Network status is settled through the provider lookup for the network printed on the card, or on 1-888-298-6828.

Under fixed indemnity the daily amount is identical in or out of network; the network only secures a discounted provider price, which still matters when the member owes the balance. Student certificates pay out-of-network care at 80% of usual and customary charges, so the network question carries real money there. Programs that accept Pan-American Life Insurance are gathered on the Pan-American Life Insurance page, alongside the wider private insurance listings, and each entry shows the payments the program says it accepts, its licensing and accreditation, and how far it sits from the nearest airport.

How Do I Find a Rehab That Takes Pan-American Life?

Call 1 (877) 569-3075, the line for US group members, policyholders and healthcare providers, or the member services number printed on the card, and ask for the benefit schedule covering inpatient substance use treatment. In Puerto Rico the number is 1 (787) 620-1414. Then give that schedule to the admissions team, since benefits under the sample fixed indemnity design are assigned straight to the provider.

A student on a limited benefit certificate has a different task: the percentage-of-charges design rewards staying in network, and the certificate requires residential care at a state-licensed provider or program, so licensing is the first question for any clinic. The state pages are a practical starting point for shortlisting, whether that is rehabs in California near a Chico campus or rehabs in Arkansas near Fort Smith.

Is Pan-American Life the Same as PALIG or Pan-American Accident & Health?

They are parts of one organization. Pan-American Life Insurance Group, PALIG, is the mutual parent in New Orleans with more than 30 member companies. Pan-American Life Insurance Company is the main US underwriter and administers claims for the group health products. Pan-American Accident & Health is the division selling accident coverage, health benefits, medical stop loss and student programs, and Pan-American International Insurance Corporation underwrites the student certificates. Puerto Rico business sits with Pan-American Life Insurance Company of Puerto Rico, which launched PanaMed there in September 2014.

The group serves more than 7.3 million customers across 49 US states plus the District of Columbia, Puerto Rico, the US Virgin Islands and more than 22 countries in Latin America and the Caribbean, with 2025 premiums of $1.86 billion and AM Best and Fitch ratings of A. Scale is not the issue when checking a rehab benefit; product design is, and a billing office that has handled fixed indemnity before will understand the arithmetic faster than one that has not.

References and Citations

Pan-American Life Insurance Group — US group benefits product pages, Pan-American Accident & Health division pages, media kit and the March 2026 announcement of 2025 results.
Pan-American Life Insurance Company — PanaMed limited benefit fixed indemnity plan flyer and a 2024 employer benefit guide setting out daily benefit levels, pharmacy benefit and EAP.
Pan-American International Insurance Corporation — student limited benefit certificates for California State University, Chico 2025-26 and the University of Arkansas – Fort Smith 2026-27.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.