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Rural Carrier Benefit Plan (Coventry)

Rehabs That Take Rural Carrier Benefit Plan (Coventry)

Rural Carrier Benefit Plan is a Federal Employees Health Benefits plan for rural letter carriers and their families, administered by Coventry, now part of Aetna. The plan can include coverage for drug and alcohol treatment, varying by network and level of care.Illinois treatment centers name the Rural Carrier Benefit Plan on their own websites. Membership is limited to rural carriers who belong to the National Rural Letter Carriers’ Association. Before admission, contact the facility and the plan’s member services to check network status, precertification for inpatient or residential care, and any deductible or coinsurance you may owe.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept Rural Carrier Benefit Plan

List Psychological Services PLC – Bay City

126 Washington Avenue, Bay City, MI, 48708

4.7★★★★★~~189~~

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+9

Deaf and HoH

The provider's premises are at 126 Washington Avenue, Bay City, Michigan. Services on file are intensive outpatient and outpatient care. Substance use and mental health conditions are both treated here. Treatment is delivered without an overnight stay, around existing commitments. Telehealth is listed, so some contact can happen without traveling in. Group and family work are both recorded. Both federal registration through SAMHSA and Michigan Department of Health and Human Services licensing are on record.

1.6 miMiddle Ground11 miMBS International AirportServes4 towns

Substances treated

Adderall Rehab · Alcohol MAT Friendly · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · +32 more

Levels of care

Aftercare and Continuing Care · Continuing Care · Discharge Planning · Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Overdose Prevention Education · Recurrence Prevention · Weekend Rehab

Therapies

Activity Therapy · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Couples Counseling · Dialectical Behavior Therapy (DBT) · EMDR Therapy · Evidence-Based Therapy · +8 more

Mental health

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

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 · Hepatitis Support Services · HIV and Hepatitis Care · +46 more

Support services

Case Management · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Suicide Prevention Services · Waitlist Interim Services

Languages

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

Insurance accepted

AARP Health Care Options · Adoption Subsidy Program · Aetna · Assurant Health · BCBS (Blue Cross Blue Shield) · Carelon Behavioral Health · Cigna Healthcare · ComPsych · Golden Rule Insurance Company · Health Alliance Plan (HAP) · +16 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

List Psychological Services PLC – Lapeer

624 West Nepessing Street, Lapeer, MI, 48446

4.7★★★★★~~138~~

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+8

Deaf and HoH

Records place List Psychological Services PLC at 624 West Nepessing Street, Lapeer, Michigan. The record shows intensive outpatient and outpatient care. Medication-assisted treatment is recorded, combining prescribing with regular clinical contact. This is outpatient provision, so daily life continues around the appointments. Video appointments are recorded as an option here. Trauma care appears on the record alongside the rest. Federal registration is held through SAMHSA, and licensing sits with the Michigan Department of Health and…

4.6 miSkinner Lake22 miBishop International AirportServes8 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Hepatitis Support Services · HIV and Hepatitis Care · HIV Support Services · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Outpatient Rehab · Men's Rehab · +33 more

Support services

Practical Support · Suicide Prevention Services · Waitlist Interim Services

Languages

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

Insurance accepted

List Psychological Services PLC – Saginaw

5024 North Center Road, Saginaw, MI, 48604

4.5★★★★★~~160~~

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+8

Deaf and HoH

The site sits at 5024 North Center Road in Saginaw, Michigan. It is recorded as offering intensive outpatient and outpatient care. Co-occurring treatment is listed, which matters where both are present. Provision is outpatient, so no overnight stay is involved. Telehealth appointments are recorded as available, which widens what is reachable for anyone without transport. The record notes group sessions alongside individual work. Federal registration is held through SAMHSA, and licensing sits with the Michigan…

5.1 miCarrollton Bar5.0 miMBS International AirportServes4 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Case Management · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Suicide Prevention Services · Waitlist Interim Services

Languages

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

Insurance accepted

List Psychological Services PLC – Pigeon

7484 West Michigan Avenue, Pigeon, MI, 48755

4.5★★★★★13

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+8

Deaf and HoH

The provider's premises are at 7484 West Michigan Avenue, Pigeon, Michigan. The facility is listed for intensive outpatient and outpatient care. Medication-assisted treatment appears on the record, pairing approved medication with counseling and review. Provision is outpatient, so no overnight stay is involved. Telehealth appointments are recorded as available, which widens what is reachable for anyone without transport. The listing notes trauma-focused treatment. Both federal registration through SAMHSA and Michigan Department of Health and Human…

6.7 miLittle Pigeon River45 miMBS International AirportServes3 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Case Management · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Suicide Prevention Services · Waitlist Interim Services

Languages

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

Insurance accepted

List Psychological Services PLC – Caro (467 North State Street)

467 North State Street, Caro, MI, 48723

4.8★★★★★81

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+9

Deaf and HoH

The address on record is 467 North State Street in Caro, Michigan. Listed provision covers intensive outpatient and outpatient care. Co-occurring treatment is listed, which matters where both are present. Provision is outpatient, so no overnight stay is involved. Remote appointments appear on the record, useful where travel is difficult. Group and family work are both recorded. The facility is federally registered and licensed by the Michigan Department of Health and Human Services.

13 miNorth Branch Cass River35 miMBS International AirportServes3 towns

Substances treated

Levels of care

Therapies

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Depression and Trauma · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · Psychiatric Medication Management · Psychosocial Rehabilitation · Social Skills Training · +1 more

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 · DUI and DWI Programs · Hepatitis Support Services · +47 more

Support services

Case Management · Community Outreach · Housing and Employment Support · Housing Assistance · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Suicide Prevention Services · Transportation to Rehab · +1 more

Languages

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

Insurance accepted

List Psychological Services PLC – Caro (651 North State Street)

651 North State Street, Caro, MI, 48723

4.7★★★★★~~176~~

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+9

Deaf and HoH

List Psychological Services PLC operates from 651 North State Street in Caro, Michigan. The facility is listed for intensive outpatient and outpatient care. Medication-assisted treatment is part of what is listed, which for opioid dependence means buprenorphine, methadone or naltrexone alongside counseling. Treatment is delivered without an overnight stay, around existing commitments. Telehealth is listed, so some contact can happen without traveling in. Trauma care appears on the record alongside the rest. SAMHSA holds the…

13 miNorth Branch Cass River35 miMBS International AirportServes3 towns

Substances treated

Levels of care

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 · DUI and DWI Programs · Hepatitis Support Services · +47 more

Support services

Case Management · Community Outreach · Housing and Employment Support · Housing Assistance · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Self Help Groups · Suicide Prevention Services · +2 more

Languages

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

Insurance accepted

List Psychological Services PLC – Bad Axe

110 East Huron Avenue, Bad Axe, MI, 48413

4.6★★★★★48

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+8

Deaf and HoH

List Psychological Services PLC occupies 110 East Huron Avenue in Bad Axe, Michigan. According to the federal listing this provider runs intensive outpatient and outpatient care. Both addiction and mental health conditions appear on the record. Treatment runs on an outpatient footing, with people returning home between appointments. Remote appointments appear on the record, useful where travel is difficult. Family involvement is listed as part of the provision. The facility is federally registered and licensed…

10 miSouth Fork Cass River57 miMBS International AirportServes2 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Case Management · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · Suicide Prevention Services · Waitlist Interim Services

Languages

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

Insurance accepted

Locust Street Resource Center – Carlinville

320 South Locust Street, Carlinville, Illinois, 62626

2.9★★★☆☆14

COA accredited

ResidentialIOPOutpatient+3

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

TeensSeniorsYoung adults+6

Deaf and HoH

Locust Street Resource Center is located at 320 South Locust Street in Carlinville, within 9.5 miles of Standard and Nilwood. The practical catchment runs to roughly 10 miles, covering Standard, Nilwood, Chesterfield and Hettick. Carlinville sits in Macoupin County, and the county's own provision is limited enough that this site draws from a wide area. The facility runs residential treatment and intensive outpatient. Locust Street Resource Center is federally registered and licensed by the Illinois…

29 miEast Fork Wood River41 miAbraham Lincoln Capital AirportServes3 towns

Substances treated

Levels of care

30-Day Rehab · Addiction Retreat · Aftercare and Continuing Care · Anxiety Retreat · Continuing Care · Depression Retreat · Discharge Planning · Dual Diagnosis Retreat · Evening Treatment · Intensive Outpatient Program (IOP) · +15 more

Therapies

Addiction Counseling · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Couples Counseling · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy · Integrated Dual Disorder Treatment · Motivational Interviewing · +1 more

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Family Education Programs · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · Mobile Crisis Response · Psychiatric Medication Management · Psychiatric Walk-In Clinic · +3 more

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Outpatient Rehab · Men's Rehab · Men's Residential Rehab · Men's Telehealth · Men's TRICARE Rehab · +29 more

Support services

Case Management · Community Outreach · Employment Support · Housing and Employment Support · Housing Assistance · Intensive Case Management · Intervention Services · Peer Support · Practical Support · Recovery Support Services · +4 more

Languages

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

Aetna · American Republic · BCBS (Blue Cross Blue Shield) · Carelon Behavioral Health · Carpenters Health & Welfare Fund · Central Laborers' Welfare Fund · CHAMPVA · Cigna Healthcare · Country Financial · GEHA · +23 more

List Psychological Services PLC – Sandusky

33 Sanilac Road, Sandusky, MI, 48471

2.6★★★☆☆25

COA accredited

OutpatientTelehealthAftercare

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersTrauma-informedTeens+8

Deaf and HoH

List Psychological Services PLC operates from 33 Sanilac Road in Sandusky, Michigan. The facility is listed for intensive outpatient and outpatient care. Provision spans substance use and mental health together. Treatment runs on an outpatient footing, with people returning home between appointments. Telehealth appointments are recorded as available, which widens what is reachable for anyone without transport. Registration is federal, through SAMHSA; licensing is held with the Michigan Department of Health and Human Services.

14 miMiddle Branch Cass River56 miBishop International AirportServes1 town

Substances treated

Levels of care

Therapies

Mental health

Groups served

Support services

Practical Support · Suicide Prevention Services · Waitlist Interim Services

Languages

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 the Rural Carrier Benefit Plan cover rehab?

Yes, the Rural Carrier Benefit Plan covers substance use disorder treatment under Section 5(e) of its brochure, and applies the same standards to behavioral health as to medical and surgical care. For 2026, an in-network inpatient mental health or substance use admission costs a $200 copay with no deductible.

The plan's Behavioral Health Support program connects members with clinical social workers, psychologists and other behavioral health professionals for substance use concerns at 1-800-638-8432.

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

Is the Rural Carrier Benefit Plan the same as Coventry?

Yes, in effect. Coventry Health Care affiliates, including First Health Life and Health Insurance Company and Cambridge Life Insurance Company, once underwrote the plan. Aetna completed its acquisition of Coventry in May 2013, and the plan is now administered by Claims Administration Corporation, an Aetna company.

Coventry Health Care was founded in 1986 and ceased to exist as a separate company on May 7, 2013, so the plan today operates as the Rural Carrier Benefit Plan backed by Aetna.

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

Does the Rural Carrier Benefit Plan cover residential treatment?

Yes, residential treatment center admissions are covered when precertified. The plan defines a residential treatment center as an accredited, state-licensed facility giving 24-hour residential treatment for medical, mental health or substance use needs. In-network inpatient behavioral health care carries a $200 copay per admission in 2026.

Someone must call 1-800-638-8432 at least two working days before admission, or within two business days for an emergency admission, to avoid a $500 benefit reduction.

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

Does the Rural Carrier Benefit Plan require prior authorization for rehab?

Yes. Prior approval is required for inpatient admissions, residential treatment center admissions and certain mental health services, as well as TMS and ABA. Call 1-800-638-8432 at least two working days before a planned admission, or within two business days of an emergency admission.

Skipping precertification reduces benefits by $500. Reviews use National Standardized Criteria Sets and other nationally recognized guidelines for inpatient, acute rehabilitation and residential care.

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

How much does rehab cost with the Rural Carrier Benefit Plan?

In network for 2026, an inpatient mental health or substance use admission costs a $200 copay with no deductible, and outpatient treatment costs 15% of the plan allowance. Out of network you pay 30% of the allowance plus any balance billing by the provider.

The in-network catastrophic maximum is $5,000 Self Only and $10,000 Self Plus One or Self and Family; out of network it is $7,000 and $14,000.

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

What is the Rural Carrier Benefit Plan deductible?

For 2026 the calendar-year deductible is $350 Self Only and $700 for Self Plus One or Self and Family in network, rising to $800 and $1,600 out of network. The in-network inpatient behavioral health copay applies without the deductible.

A separate $200 per person retail prescription deductible also applies, though it is not applied when Medicare Parts A and B are primary for the member.

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

Does the Rural Carrier Benefit Plan cover out-of-network rehab?

Yes, out-of-network care is paid at the plan's standard benefits: 30% of the plan allowance for mental health and substance use treatment, plus any amount the provider balance bills above that allowance. You may also have to file the claim yourself.

The $400 out-of-network first-day hospital copay does not apply to behavioral health stays, and some out-of-network providers have agreed to discounted rates; ask at 1-800-638-8432.

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

Does the Rural Carrier Benefit Plan cover therapy?

Yes. Outpatient mental health and substance use counseling is covered at a $20 copay per primary care visit and 15% coinsurance for other services in network for 2026, or 30% coinsurance out of network. No referral is needed to see a specialist.

No therapy visit limit appears in the 2026 plan documents; Section 5(e) of brochure RI 72-012 sets out the behavioral health benefit in full.

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

Does the Rural Carrier Benefit Plan cover online therapy?

Yes. Teladoc visits cost nothing in network with no deductible, and include psychiatrists, psychologists and licensed clinical social workers for anxiety, stress, mood swings, sleep issues and trauma. Other HIPAA-compliant telehealth visits cost the office copay, $20 primary care or $35 specialist in network.

Teladoc is not available in every state, there is no out-of-network benefit, and its providers cannot prescribe DEA-controlled substances. Reach Teladoc Health at 1-855-835-2362.

Online Rehab and Telehealthhttps://rehabseekers.com/programs/online-rehab-and-telehealth/

Does the Rural Carrier Benefit Plan cover Suboxone?

Yes, buprenorphine-naloxone sublingual and ZUBSOLV are listed on the October 2026 CVS Caremark Performance Drug List the plan uses, with no prior authorization flags shown. Standard pharmacy cost shares apply once the $200 per person retail prescription deductible is met.

A 34-day retail generic costs 30% up to $7.50, and a 90-day generic supply through CVS retail or mail is $10. Drug lists are not all-inclusive.

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

Does the Rural Carrier Benefit Plan cover methadone?

Methadone is listed as a generic opioid analgesic on the plan's October 2026 CVS Caremark drug list, so the pharmacy benefit covers it for pain use. Coverage for methadone dispensed through an opioid treatment program is not spelled out in the active member brochure.

The retiree Aetna Medicare Advantage plan for the Rural Carrier Benefit Plan covers opioid treatment program services at $0 in 2026. Call 1-800-638-8432 to ask about a specific clinic.

Methadone Medication Clinichttps://rehabseekers.com/medications/mat/methadone/

Does the Rural Carrier Benefit Plan have a Medicare Advantage plan?

Yes. Aetna Medicare Advantage for Rural Carrier Benefit Plan, sponsored by NRLCA, is a Medicare ESA PPO offered nationwide for 2026. Inpatient mental health, individual and group therapy, outpatient substance use treatment, partial hospitalization and intensive outpatient care are all $0, though prior authorization may apply.

That plan carries a $0 medical deductible and $0 out-of-pocket maximum for Part A and B services. The member line is 1-866-241-0262 (TTY 711).

Medicare Rehabhttps://rehabseekers.com/insurance-accepted/medicare/

Who can join the Rural Carrier Benefit Plan?

Only active and retired USPS rural letter carriers who are, or immediately become, members of the National Rural Letter Carriers' Association may enroll. For 2026 the plan offers High Option only, with enrollment codes 79A Self Only, 79C Self Plus One and 79B Self and Family.

Union dues vary by state, and the brochure points members to their State Association secretary or the NRLCA Membership Department, reachable at (703) 684-5545.

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

How do I find a rehab that takes the Rural Carrier Benefit Plan?

Search the Aetna Find a Provider directory set to the Rural Carrier Benefit Plan, since the plan uses the Aetna Choice POS II Open Access network, or call member services at 1-800-638-8432 and ask whether a program participates. Network status can change, so ask again before each admission.

Ask the program who will handle precertification, and whether the facility is accredited and state licensed, which the plan requires for residential treatment.

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

What states does the Rural Carrier Benefit Plan cover?

All of them. The Rural Carrier Benefit Plan is a nationwide plan, listed by OPM among the Postal Service Health Benefits Program's Nationwide Plans, with the same benefits in every state. Members can use network providers virtually anywhere in the United States through the Aetna network.

Overseas members have 24/7 toll-free numbers, and if their country is not listed they can call 1-480-445-5106 (TTY 711) for help with benefits.

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The Rural Carrier Benefit Plan is a nationwide fee-for-service health plan for United States Postal Service rural letter carriers, sponsored by the National Rural Letter Carriers’ Association and administered by Claims Administration Corporation, an Aetna company. For a carrier weighing up addiction treatment, that means a union-sponsored card with Aetna‘s network and Aetna’s precertification desk sitting behind it.

The word Coventry in the plan’s older name is history rather than a current brand. As of a 2016 federal audit the plan was underwritten by First Health Life and Health Insurance Company and Cambridge Life Insurance Company, both Coventry Health Care affiliates, with Coventry network companies supplying provider access. Aetna completed its acquisition of Coventry Health Care in May 2013 for $5.7 billion, and Aetna has been a CVS Health subsidiary since November 28, 2018. A program that says it takes Coventry for a rural carrier is describing this same coverage.

Since 2025 the plan has sat in the Postal Service Health Benefits Program rather than the Federal Employees Health Benefits Program, and for 2026 there is a single High Option, brochure RI 72-012, with enrollment codes 79A Self Only, 79C Self Plus One and 79B Self and Family. This guide covers what the plan pays for substance use treatment at each level of care, where precertification applies and what it costs to skip it, the 2026 deductibles and cost shares, how medication runs through CVS Caremark, and how to work out which programs sit inside the network.

Does the Rural Carrier Benefit Plan Cover Drug and Alcohol Rehab?

Yes. Treatment for substance use disorder and mental and behavioral health conditions is covered under Section 5(e) of the 2026 brochure, and the plan applies the same standards to behavioral health that it applies to medical and surgical care. In network for 2026, an inpatient mental health or substance use admission costs $200 per admission with no deductible, and outpatient care is 15% of the plan allowance.

Out of network, both inpatient and outpatient behavioral health run at 30% of the plan allowance, and a non-participating provider may balance bill the difference between its charge and that allowance. One useful quirk: the $400 out-of-network first-day hospital copay does not apply to out-of-network mental health or substance use stays.

The plan’s Care Management service includes Behavioral Health Support for anxiety, depression, substance use disorders and domestic violence, connecting enrollees to clinical social workers, psychologists and other behavioral health clinicians on 1-800-638-8432, Monday to Friday.

What Does the High Option Pay at Each Level of Care?

Section 5(e) is laid out by setting rather than by rehab level, with headings for professional services, diagnostics, inpatient hospital or facility care and outpatient hospital or facility care. Detox, partial hospitalization and intensive outpatient are not itemised separately in the published summary, so ask member services which heading a given admission will be processed under before the date is booked.

Medical Detox

Withdrawal management delivered as an inpatient or facility stay is billed under the inpatient cost share and needs precertification like any other admission. Medical detox for alcohol or benzodiazepines carries seizure risk, and acute withdrawal belongs in an emergency department rather than in a queue for authorization; emergency admissions are reported afterwards.

Residential and Inpatient

Residential treatment center admissions are covered with precertification. The brochure defines a residential treatment center as an accredited, state-licensed facility providing 24-hour residential treatment for medical, mental health or substance use needs, so a residential rehab without that licensing sits outside the benefit whatever its network status.

PHP, IOP and Outpatient

Day programs billed as outpatient facility care, including partial hospitalization and intensive outpatient, fall under the 15% in-network coinsurance. The 2026 Summary of Benefits and Coverage lists a $20 copay per primary care visit for outpatient behavioral health with 15% coinsurance for other services. Telehealth counseling is paid at the office visit rate, $20 primary care or $35 specialist in network, and Teladoc visits with psychiatrists, psychologists and licensed clinical social workers cost nothing in network, with no out-of-network benefit and no coverage for controlled substance prescribing.

Which card are you holding? An active carrier is on the High Option described here. A retiree with Medicare Parts A and B may instead be in Aetna Medicare Advantage for Rural Carrier Benefit Plan, an employer PPO where 2026 cost shares are $0 for inpatient mental health, individual and group therapy, outpatient substance use treatment, partial hospitalization, intensive outpatient, telehealth behavioral health and opioid treatment program services, with prior authorization still possible. That line is reached on 1-866-241-0262.

Does the Rural Carrier Benefit Plan Need Prior Authorization for Rehab?

Yes for inpatient admissions, residential treatment center admissions and certain mental health services, along with transcranial magnetic stimulation and applied behavior analysis. Call 1-800-638-8432 at least two working days before a planned admission. An emergency admission is reported within two business days. No referral is needed to see a specialist.

Level-of-care decisions for inpatient care, acute rehabilitation, residential treatment and therapies needing prior authorization are made against National Standardized Criteria Sets and other nationally recognized guidelines. The admissions team at a program usually files the request, but the reduction for a missed precertification lands on the enrollee, so it is worth asking who is making the call and getting a reference number.

The $500 question. If no one precertifies an inpatient or residential treatment center stay, benefits are reduced by $500. That penalty applies whether the program forgot or the family assumed it had been done, which makes a single phone call before admission the cheapest step in the process.

How Much Does Rehab Cost With the Rural Carrier Benefit Plan?

For 2026 the calendar-year deductible is $350 Self Only and $700 Self Plus One or Self and Family in network, rising to $800 and $1,600 out of network. An in-network inpatient behavioral health admission is $200 with no deductible, outpatient behavioral health is 15% of the allowance, and the catastrophic maximum is $5,000 Self Only or $10,000 for a family in network.

Out-of-network care counts against a separate catastrophic maximum of $7,000 Self Only or $14,000 for a family, runs at 30% of the allowance, and can leave a balance bill on top; the enrollee may also have to file the claim. Some non-participating providers have agreed discounted rates with the plan, which is worth asking about on 1-800-638-8432 before a private admission is arranged.

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 where there is no coverage at all. Under the High Option the enrollee’s share is the copay and coinsurance above, capped by the catastrophic maximum, which is the figure that matters most when a residential stay runs into a second month.

Does the Rural Carrier Benefit Plan Cover Suboxone, Methadone and Other Addiction Medication?

Pharmacy benefits run through CVS Caremark. The October 2026 Performance Drug List, Standard Control with Advanced Control Specialty Formulary, lists sublingual buprenorphine-naloxone and Zubsolv, along with generic naloxone. Methadone appears as a generic opioid analgesic; dispensing through an opioid treatment program is not addressed in that document.

Where the Prescription Is Filled

There is a $200 per person retail prescription deductible for 2026. A 34-day retail fill is 30% for a generic to a maximum of $7.50 and 30% for a brand to a maximum of $200. A 90-day supply through CVS retail or mail is $10 generic, $50 preferred brand and $80 non-preferred. Specialty drugs are $70, $90 or $120 for 30 days, need preauthorization and come from CVS Specialty Pharmacy on 1-866-814-5506. Caremark Customer Care is 1-800-292-4182.

Long-Acting Injectables and Clinic-Administered Doses

Vivitrol, Sublocade and Brixadi did not appear on the drug lists published for 2026, and those lists state that they are not all-inclusive. Ask Caremark whether a specific Vivitrol shot or extended-release buprenorphine is on the current list, and ask the prescriber whether it will be billed through the pharmacy benefit or as a medical claim when given in a clinic, because the cost share differs. A carrier starting at a methadone clinic should ask member services how that program’s services are authorized and paid.

Which Rehab Centers Are In-Network With the Rural Carrier Benefit Plan?

A program is in network when it holds a contract in Aetna Choice POS II (Open Access), the network behind this plan, and Aetna alone decides which providers participate. Residential care must also meet the brochure’s definition of a residential treatment center: accredited and state licensed for 24-hour treatment. Network status is settled in the Find a Provider search on RCBPhealth.com or on 1-800-638-8432.

Programs that accept the Rural Carrier Benefit Plan are gathered on the Rural Carrier Benefit Plan page, with level-of-care pages for detox centers and outpatient rehab alongside the broader private insurance accepted listings. Each listing shows the payments the program says it accepts, its licensing and accreditation, and how far it sits from the nearest airport, which narrows the shortlist before the call that settles network status.

How Do I Find a Rehab That Takes the Rural Carrier Benefit Plan?

Start with the Find a Provider search on RCBPhealth.com, which runs against the Aetna network for this plan, or call member services on 1-800-638-8432, Monday to Friday, 8:00 AM to 5:30 PM Eastern. No referral is needed, so an enrollee can approach a behavioral health program directly once the admission is precertified.

A 24-hour nurse line runs on 1-800-556-1555, though it is not a crisis line and an emergency means 911. Enrollees abroad use the overseas number 1-480-445-5106, and questions about the Postal Service Health Benefits Program itself go to the helpline on 844-451-1261. Retirees on the Medicare side use the Medicare Advantage line, with drug coverage auto-enrolled through the SilverScript employer plan on 1-833-825-6754.

Is the Rural Carrier Benefit Plan the Same as Coventry, Aetna or MHBP?

No, though the lines cross. The plan belongs to the National Rural Letter Carriers’ Association, a union founded in 1903; Coventry Health Care companies once underwrote and networked it and merged into Aetna in 2013; Aetna now administers it through Claims Administration Corporation under an Office of Personnel Management contract. Enrollment is open only to active and retired USPS rural letter carriers who are, or immediately become, association members.

MHBP, the NALC Health Benefit Plan and the APWU Health Plan are separate postal plans with their own brochures, and MHBP shares the same administrator, which is why the two sets of member pages can look alike. Check the brochure number and enrollment code on the card before quoting a benefit to an admissions team.

Before you call a program: have the enrollment code (79A, 79C or 79B) and brochure RI 72-012 to hand, know whether the coverage is the High Option or the retiree Medicare Advantage plan, and ask the program two questions: does it participate in Aetna Choice POS II, and who is filing the precertification.

References and Citations

U.S. Office of Personnel Management — Postal Service Health Benefits Program nationwide plan listings and Rural Carrier Benefit Plan High Option brochure RI 72-012 (2026), including Section 5(e) and precertification rules.
Rural Carrier Benefit Plan — 2026 Summary of Benefits and Coverage, member services and provider search pages, RCBPhealth.com.
Office of Personnel Management, Office of the Inspector General — audit of the National Rural Letter Carriers’ Association health benefit plan, contract CS 1073.
CVS Caremark — Performance Drug List, Standard Control with Advanced Control Specialty Formulary, October 2026.
Aetna Medicare Advantage for Rural Carrier Benefit Plan — 2026 summary of benefits for the employer PPO and SilverScript employer prescription drug plan.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.