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Unified Life Insurance

Rehabs That Take Unified Life Insurance

Unified Life Insurance is a name that treatment centers in Michigan and Texas use on their websites for a life and health insurer. Plans under this name may include some coverage for drug and alcohol treatment, although short-term or supplemental plans can have limits, and benefits vary by plan, network and level of care.Centers listed here name Unified Life Insurance on their own sites. Before admission, contact the facility and the insurer to check your benefits, any plan limits, whether the center is in network, prior authorization or referral needs, and the costs you may owe.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept Unified Life Insurance

Lukner Medical Clinic PLLC – Pampa

2545 Perryton Parkway, Pampa, TX, 79065

4.8★★★★★~~143~~

Federally certified

DetoxIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersMATTrauma-informed+10

Records place Lukner Medical Clinic PLLC at 2545 Perryton Parkway, Pampa, Texas. Listed provision covers detox, intensive outpatient and outpatient care. Medication-assisted treatment is recorded, combining prescribing with regular clinical contact. Treatment is delivered without an overnight stay, around existing commitments. Video appointments are recorded as an option here. Support for veterans appears on the record. Registration is federal, through SAMHSA; licensing is held with the Texas Health and Human Services Commission.

15 miDeep Lake48 miRick Husband Amarillo International Airport

Substances treated

Adderall Rehab · Alcohol Detox · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Ativan (Lorazepam) Rehab · Beer Addiction Treatment · Benzodiazepine Rehab · Binge Drinking Treatment · Carfentanil Rehab · +51 more

Levels of care

Aftercare and Continuing Care · Alcohol Detox Program · Ativan (Lorazepam) Detox Program · Benzodiazepine Detox Program · Buprenorphine-Assisted Detox · Carfentanil Detox Program · Clonidine and Lofexidine Detox · Cocaine Detox Program · Codeine Detox Program · Continuing Care · +41 more

Therapies

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

Active Duty Military Detox · Active Duty Military Dual Diagnosis Rehab · Active Duty Military Medicare Rehab · Active Duty Military Outpatient Rehab · Active Duty Military Rehab · Active Duty Military Suboxone · Active Duty Military Telehealth · Active Duty Military Trauma Rehab · Active Duty Military TRICARE Rehab · Adult Rehab · +82 more

Support services

Case Management · Community Outreach · Education and Job Training · Employment Support · Health and Wellness Support · Health Education · Hepatitis C Treatment · HIV Treatment · Housing and Employment Support · Housing Assistance · +10 more

Insurance accepted

AARP Medicare Advantage · Aetna · Anthem / Elevance Health · Axis · Baylor Scott & White Health Plan · BCBS (Blue Cross Blue Shield) · Carelon Behavioral Health · Central States Indemnity Co. of Omaha · Cigna Healthcare · Colonial Life · +30 more

Capital Area Human Services – Saint Francisville

5266 Commerce Street, Saint Francisville, Louisiana, 70775

3.8★★★★☆32

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

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

2.6 miWoodriff Falls22 miBaton Rouge Metropolitan AirportServes4 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

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

Groups served

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

Support services

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

Insurance accepted

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

Capital Area Human Services – 2455 Wooddale Boulevard, Baton Rouge

2455 Wooddale Boulevard, Baton Rouge, Louisiana, 70805

4.0★★★★☆~~165~~

CARF accredited

DetoxResidentialTelehealth+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersMATTrauma-informed+5

Deaf and HoH

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

7.6 miComite River4.6 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

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

Groups served

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

Support services

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

Languages

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

Insurance accepted

Capital Area Human Services – 2751 Wooddale Boulevard, Baton Rouge

2751 Wooddale Boulevard, Baton Rouge, Louisiana, 70805

4.0★★★★☆~~165~~

CARF accredited

IOPOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

Co-occurring DisordersMATTrauma-informed+7

Deaf and HoH

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

9.2 miComite River6.1 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

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

Levels of care

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

Therapies

Mental health

Groups served

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

Support services

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

Languages

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

Insurance accepted

Capital Area Human Services – Plaquemine

24705 Plaza Drive, Plaquemine, Louisiana, 70764

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

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

5.2 miUpper Grand River20 miBaton Rouge Metropolitan AirportServes6 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

Groups served

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

Support services

Insurance accepted

Capital Area Human Services – Gonzales

1056 East Worthey Street, Gonzales, Louisiana, 70737

2.9★★★☆☆16

CARF accredited

IOPOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+7

Deaf and HoH

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

7.2 miNew River26 miBaton Rouge Metropolitan AirportServes6 towns

Substances treated

Levels of care

Therapies

Mental health

Groups served

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

Support services

Languages

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

Insurance accepted

Capital Area Human Services – Donaldsonville

901 Catalpa Street, Donaldsonville, Louisiana, 70346

3.5★★★★☆2

CARF accredited

OutpatientTelehealthWalk-in+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+7

Deaf and HoH

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

7.5 miClaiborne Island31 miBaton Rouge Metropolitan AirportServes4 towns

Substances treated

Levels of care

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

Therapies

Mental health

Groups served

Support services

Languages

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

Insurance accepted

Capital Area Human Services – New Roads

282A Hospital Road, New Roads, Louisiana, 70760

2.3★★☆☆☆3

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

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

6.5 miWoodriff Falls21 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

Groups served

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

Support services

Insurance accepted

Capital Area Human Services – Howell Boulevard, Baton Rouge

7855 Howell Boulevard, Baton Rouge, Louisiana, 70807

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

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

11 miComite River1.1 miBaton Rouge Metropolitan AirportServes8 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

Groups served

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

Support services

Insurance accepted

Capital Area Human Services – Port Allen

685 Louisiana Avenue, Port Allen, Louisiana, 70767

4.0★★★★☆~~165~~

SAMHSA listed

OutpatientTelehealthWalk-in

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

SeniorsYoung adultsCouples+2

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

10 miProfit Island6.1 miBaton Rouge Metropolitan AirportServes7 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

Groups served

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

Support services

Insurance accepted

Capital Area Human Services – Colonial Drive, Baton Rouge

422 Colonial Drive, Baton Rouge, Louisiana, 70806

2.8★★★☆☆11

CARF accredited

OutpatientTelehealthWalk-in+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+5

MATTrauma-informedTeens+6

Deaf and HoH

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

6.7 miComite River6.7 miBaton Rouge Metropolitan AirportServes5 towns

Substances treated

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

Levels of care

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

Therapies

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

Mental health

Groups served

Support services

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

Languages

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

Insurance accepted

Rivers Bend PC – Troy

550 Stephenson Highway, Troy, MI, 48083

3.4★★★☆☆~~101~~

Joint Commission

DetoxIOPOutpatient+2

Accepts InsuranceSelf-Pay

Co-occurring DisordersMATTrauma-informed+9

Rivers Bend PC operates from 550 Stephenson Highway in Troy, Michigan. Listed provision covers intensive outpatient and outpatient care. Co-occurring treatment is listed, which matters where both are present. Care is provided on an outpatient basis, so people continue living at home. Video appointments are recorded as an option here. Family involvement is listed as part of the provision. Licensing sits with the Michigan Department of Health and Human Services, alongside federal SAMHSA registration.

13 miApple Island20 miWindsor International AirportServes34 towns

Substances treated

Adderall Rehab · Alcohol MAT Friendly · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · +30 more

Levels of care

Aftercare and Continuing Care · Clonidine and Lofexidine Detox · Continuing Care · Detox by Substance · Detox Centers · Discharge Planning · Evening Treatment · Intensive Outpatient Program (IOP) · Non-12-Step Rehab · Online Rehab and Telehealth · +5 more

Therapies

Activity Therapy · Addiction Counseling · Anger Management · Cognitive Behavioral Therapy (CBT) · Cognitive Remediation Therapy · Counseling and Therapy · Couples Counseling · Dialectical Behavior Therapy (DBT) · EMDR Therapy · Evidence-Based Therapy · +7 more

Mental health

Co-Occurring Mental Health Conditions · Depression and Anxiety · Depression and Trauma · Family Education Programs · Mental Health Conditions · Mental Health Treatment · Psychiatric Medication Management · Psychosocial Rehabilitation · Trauma Treatment

Groups served

Adult Rehab · Couples Rehab · Court Ordered Rehab · Men's Dual Diagnosis Rehab · Men's Outpatient Rehab · Men's Rehab · Men's Telehealth · Men's Trauma Rehab · Senior IOP · Senior MAT · +25 more

Support services

Community Outreach · Practical Support · Suicide Prevention Services · Waitlist Interim Services

Insurance accepted

Aetna · Alliance Health and Life · BCBS (Blue Cross Blue Shield) · Cigna Healthcare · Evernorth Health Services · First Health · GEHA · Health Alliance Plan (HAP) · Health Choice of Michigan · HealthPartners · +11 more

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Common questions

Answered from what is listed here.

What is Unified Life Insurance?

Unified Life Insurance Company is a stock life and health insurer incorporated in Texas in 1986 and based in Overland Park, Kansas. It mainly takes over and services existing policies from other insurers, covering Medicare supplement, individual health, life, annuity and disability business rather than selling many new plans.

Over 30 years it acquired more than 50 blocks of business from 27 different companies, and it had roughly 100,000 active policyholders in 2024.

Who owns Unified Life Insurance?

Obra Insurance Holdings LLC, part of Obra Capital, Inc., has owned Unified Life since December 27, 2023, with the deal announced on January 3, 2024. Obra is an alternative asset manager majority owned by controlled affiliates of Aquarian Holdings LLC and RedBird Capital Partners.

The company kept its name after the sale, and AM Best upgraded its financial strength rating to B++ (Good) with a stable outlook on November 1, 2024.

Does Unified Life Insurance cover rehab?

Yes, but only where the individual policy includes substance use treatment. Unified Life publishes no benefit summary or coverage policy for addiction care, so benefits come from the legacy policy it took over from another insurer. Short-term medical policies reviewed by the Massachusetts Attorney General in 2017 covered no behavioral health at all.

Call Policyholder Services and Claims on (800) 237-4463 with the policy number to ask which levels of care a policy pays for.

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

Does Unified Life Insurance cover detox?

No, there is no published detox benefit, so payment rests entirely on the legacy policy. A 2013 Missouri group hospital indemnity filing offered no detoxification coverage and the state rejected the forms. With a Medicare Supplement policy, Original Medicare Part A pays first for hospital-based withdrawal management.

The supplement then helps with Medicare's 2026 Part A deductible of $1,736 per benefit period and the $434 daily coinsurance for days 61 to 90.

Medical Detoxhttps://rehabseekers.com/programs/detox-centers/medical-detox/

Does Unified Life Insurance cover inpatient rehab?

Yes, where the policy provides hospital benefits. With a Unified Life Medicare Supplement policy, Original Medicare Part A pays first for inpatient care in a general or psychiatric hospital, and the supplement covers Medicare's deductible and coinsurance. Other legacy policies vary, and no benefit summary is published.

Medicare Part A pays for a lifetime maximum of 190 days of inpatient psychiatric hospital care, plus 20% of the approved amount for professional services.

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

Does Unified Life Insurance cover intensive outpatient treatment?

Yes, for Medicare Supplement holders. Medicare Part B covers outpatient services, intensive outpatient programs and partial hospitalization, and the supplement picks up the Part B coinsurance, 100% under most lettered plans, 50% under Plan K and 75% under Plan L. Other Unified Life policies publish no outpatient benefit.

No Medigap plan pays the Part B deductible, which is $283 in 2026, and Plan N can carry copays of up to $20 for some office visits.

Intensive Outpatient Program (IOP)https://rehabseekers.com/programs/outpatient/iop/

Does Unified Life Insurance cover therapy?

No, no outpatient therapy, psychiatry or visit-limit information is published, so the legacy policy decides. Short-term medical policies sold through an association and reviewed in Massachusetts did not cover behavioral health services, and a 2013 Missouri filing lacked even two diagnostic sessions with a licensed mental health professional.

Ask Policyholder Services on (800) 237-4463 how many counseling visits a specific policy pays for and at what rate.

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

Does Unified Life Insurance cover online therapy?

Yes, on existing Texas individual major medical policies, where Unified Life reimburses telemedicine claims on the same basis as in-person office visits. Mental health is not named specifically in that notice, and no telehealth rule is published for other states or for other policy types.

The Texas notice refers to preferred or contracted health professionals, so a virtual counseling visit may need to be with a contracted clinician.

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

Does Unified Life Insurance cover methadone?

Yes, where a Medicare Supplement policy is in force, because Opioid Treatment Program services are a Medicare Part B benefit and the supplement helps with the Part B coinsurance. Unified Life itself publishes no formulary or medication policy for buprenorphine, naltrexone or methadone.

Medigap policies carry no prescription drug benefit, so medications filled at a pharmacy fall to Part D or to the member.

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

Does Unified Life Insurance need prior authorization for rehab?

No, none are published: the company lists no prior authorization rules, pre-certification steps or medical necessity criteria such as ASAM or InterQual, and names no utilization review vendor. The legacy policy's own wording governs, so read the certificate before any admission.

A treatment center or a member can call (800) 237-4463 with the policy number to ask what notice a policy requires before a stay begins.

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

Is Unified Life Insurance in network with rehab centers?

No, Unified Life has no provider directory, named network or find-a-provider tool. Medicare Supplement policies work alongside Original Medicare rather than a plan network, so a program that accepts Medicare can bill and the supplement pays toward Medicare's cost sharing.

A Texas telemedicine notice mentions preferred or contracted health professionals, so certain legacy Texas major medical policies may use a contracted arrangement that is not named publicly.

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

Does Unified Life Insurance cover out-of-network rehab?

Yes, usually, because legacy indemnity-style and Medicare Supplement policies are not built around a plan network. Unified Life publishes no in-network or out-of-network rules, so the member's own policy wording decides what it pays and whether any reduction applies away from contracted providers.

Ask the program for its self-pay rate as well, so you can weigh it against what the policy is likely to pay.

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

How do I find a rehab that takes Unified Life Insurance?

Call Policyholder Services and Claims on (800) 237-4463 with the policy number, ask what the policy pays for addiction treatment, then ask the program's admissions office to bill Unified Life directly. The insurer publishes no online provider search.

Health claims go to P.O. Box 25326, Overland Park, KS 66225-5326, by fax to 913-402-6942, or to healthclaims@unifiedlife.com.

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

What is the Unified Life Insurance phone number?

(800) 237-4463 reaches Unified Life Policyholder Services and Claims, the number published for both benefit questions and claims. No separate behavioral health, crisis, nurse or TTY line is listed, and the company has no policyholder portal or mobile app.

Health claim questions can also go to healthclaims@unifiedlife.com, and general policyholder questions to csinfo@unifiedlife.com.

Does Unified Life Insurance offer Medicare Advantage or Medicaid plans?

No, the company's Medicare business is Medicare Supplement, not Medicare Advantage, and it offers no Medicaid managed care plan. It appears on the Texas Department of Insurance list of companies with Medicare supplement insurance, and Medicare supplement also shows in Missouri market records.

A Medigap policy requires Original Medicare Parts A and B and pays toward Medicare's deductibles, coinsurance and copayments; which lettered plans remain in force is not published.

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

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Unified Life Insurance Company is a small Overland Park, Kansas life and health insurer that mainly services policies it has taken over from other companies rather than selling large numbers of new ones. For anyone arranging addiction treatment, that means the coverage question is settled by the individual policy in force, not by a published company-wide benefit.

The company was incorporated in Texas in 1986, carries NAIC number 11121, and has been a wholly owned subsidiary of Obra Insurance Holdings LLC, part of Obra Capital, Inc., since December 27, 2023. It had roughly 100,000 active policyholders at the time of that deal, and individual health makes up about 86.7% of its business mix. Over three decades it has absorbed more than 50 blocks of business from 27 different companies, which is why a policy document may still carry a name such as Colonial Life Insurance Company of Texas, Gerber Life, Guarantee Trust Life, American Fidelity Assurance or Penn Treaty Network America.

This guide covers what is known about addiction treatment under a Unified Life policy, how a Medicare Supplement policy interacts with Original Medicare for detox and inpatient care, what is published about authorization and cost sharing (very little), how medication is handled, and what to ask on the phone before an admission date is set.

Does Unified Life Insurance Cover Drug and Alcohol Rehab?

It depends entirely on the individual policy. Unified Life publishes no benefit summary, plan brochure or coverage policy for substance use treatment at any level of care, so there is no company-wide answer. The policy certificate, and a call to Policyholder Services and Claims on (800) 237-4463 with the policy number, settle it.

Two kinds of policy turn up most often. Where the member holds a Unified Life Medicare Supplement policy, Original Medicare is the primary payer for substance use care and the supplement pays toward Medicare’s deductibles, coinsurance and copayments. Where the policy is a legacy health, hospital indemnity or short-term medical contract, benefits follow the terms written when that policy was issued, and those terms vary widely from one assumed block to the next.

The history on limited health products is worth knowing. In 2017 the Massachusetts Attorney General found that Unified Life short-term medical policies sold through a third-party association, including the National Congress of Employers, did not cover behavioral health services, maternity or preventive services, and alleged that the mental health and prescription coverage had been misrepresented. Separately, a 2013 group hospital indemnity form filing in Missouri offered outpatient substance treatment capped at 20 days where the state required 26, and carried no detoxification coverage; the Missouri Department of Insurance did not accept those forms. Neither case describes every policy in force, but both show why a certificate has to be read rather than assumed.

Which Unified Life policy is it? The product types known to be serviced are Medicare Supplement, legacy individual major medical (Texas), short-term medical sold through associations, group hospital indemnity, individual disability and life. Only the Medicare Supplement route has published rules behind it, because those rules belong to Medicare. Everything else sits in the original certificate.

What Does a Medicare Supplement Policy Pay Toward Each Level of Care?

A Medigap policy requires Original Medicare Parts A and B and pays toward Medicare’s own cost sharing. Medicare covers inpatient care in a general or psychiatric hospital under Part A and, under Part B, outpatient services, intensive outpatient programs, partial hospitalization and Opioid Treatment Program services. The supplement follows that coverage rather than setting its own.

Medical Detox

Where withdrawal management happens as inpatient hospital care, Part A pays and the supplement helps with the Part A deductible and daily coinsurance. Unified Life publishes nothing about medical detox under non-Medicare policies. Alcohol and benzodiazepine withdrawal can cause seizures, and acute withdrawal belongs in an emergency department regardless of how the billing is later sorted out.

Residential and Inpatient

Part A covers inpatient care in a general or psychiatric hospital, with a lifetime limit of 190 days of inpatient psychiatric hospital care. Freestanding residential rehab is a different billing category from hospital inpatient care, so the admissions team should state which one it bills before a Medigap holder commits to dates. Programs listed under Medicare inpatient rehab commonly handle that distinction daily.

PHP, IOP and Outpatient

Under Part B, partial hospitalization, intensive outpatient and ordinary outpatient counseling are covered, and most Medigap letters pay the Part B coinsurance in full. Plan K pays 50% and Plan L 75% of that coinsurance, and Plan N carries copays of up to $20 for some office visits. For Texas legacy major medical policies, Unified Life reimburses telemedicine claims on the same basis as in-person office visits, which matters for anyone using online rehab and telehealth; behavioral health is not named specifically in that notice.

Does Unified Life Insurance Need Prior Authorization for Rehab?

No prior authorization rules, pre-certification requirements or medical necessity criteria are published by Unified Life. The company names no utilization review vendor and no behavioral health carve-out. The only published route is to call Policyholder Services and Claims on (800) 237-4463 with the policy number and ask what the policy requires before admission.

The privacy notice does list claim payment and medical management among the services handled by business associates, without naming them, so a review of some kind can sit behind a claim. The health claim authorization form also covers release of records on drug and alcohol treatment and mental health services, with psychotherapy notes needing a separate authorization, which tells the member that such claims are read in detail. Health claims go to Unified Life Insurance Company, ATTN: Claims, P.O. Box 25326, Overland Park, KS 66225-5326, by fax on 913-402-6942, or to healthclaims@unifiedlife.com.

What Should I Ask When I Call Unified Life?

Five questions for (800) 237-4463

Which company originally issued this policy, and which form number governs it?

Does the policy pay anything toward detox, residential treatment, PHP, IOP or outpatient counseling, and is there a day or dollar cap?

Is anything required in writing before admission, and who files it?

Does the policy pay on a contracted-provider basis, and if so under what arrangement?

If this is a Medicare Supplement, which lettered plan is in force?

How Much Does Rehab Cost With Unified Life Insurance?

No deductible, copay or coinsurance figures for any Unified Life health policy appear in a published plan document, so the policy schedule is the only source. For a Medicare Supplement holder the member’s share is Original Medicare’s cost sharing, less whatever the lettered plan pays toward it.

Those Medicare figures for 2026 are a Part A deductible of $1,736 per benefit period, $434 a day for inpatient days 61 to 90, $868 a day for lifetime reserve days, and 20% coinsurance for professional services. No Medigap plan covers the Part B deductible, which is $283 in 2026. Plans K and L carry their own annual out-of-pocket limits of $8,000 and $4,000. Premiums for the policy itself are paid by electronic funds transfer or by mail on annual, semi-annual, quarterly or monthly cycles; credit cards are not accepted.

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 any coverage behind them. Where a legacy policy pays a fixed daily indemnity rather than a share of charges, the gap between the two columns is the member’s to carry, which is why sliding scale rehab and self pay rehab options are worth pricing at the same time as the benefit call.

Does Unified Life Insurance Cover Suboxone, Methadone and Other Addiction Medication?

No formulary or medication policy is published by Unified Life, and nothing is stated about buprenorphine, naltrexone or methadone. For a Medicare Supplement holder, Opioid Treatment Program services are a Medicare Part B benefit, so methadone dispensed inside such a program is billed as a program service rather than a pharmacy fill.

Where the Prescription Is Filled

The Medigap benefit comparison shows hospital and medical cost-sharing benefits only, with no drug benefit listed, so a retail pharmacy fill of Suboxone or buprenorphine sits outside the supplement and needs separate drug coverage. A methadone clinic bills differently again, and clinics usually explain which part of the benefit they bill before the first dose.

If the Policy Is a Legacy Block

Unified Life states that all terms and conditions of an assumed policy remain unchanged, so medication coverage is whatever the original certificate said. Colonial Life Insurance Company of Texas policies, for example, were assumed effective October 1, 2019, with billing and claims moving to the Overland Park addresses on May 1, 2020 and benefits untouched. Massachusetts alleged that prescription coverage under the short-term product had been misrepresented, which is a reason to get the drug answer in writing.

Which Rehab Centers Are In-Network With Unified Life Insurance?

Unified Life publishes no provider directory, no network name and no find-a-provider tool, so there is no network list to search. A Medicare Supplement works alongside Original Medicare rather than a plan network, while a Texas legacy major medical notice refers to preferred or contracted health professionals without naming the arrangement. The phone line is the only published route.

Programs that accept Unified Life Insurance are gathered on the Unified Life Insurance page, with level-of-care pages for Medicare PHP, Medicare IOP and Medicare MAT where a supplement sits behind Original Medicare. 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 policy pays.

How Do I Find a Rehab That Takes Unified Life Insurance?

There is no online provider search to use. Call Policyholder Services and Claims on (800) 237-4463 with the policy number, or ask the admissions team at a program to run the benefit check and put the answer in writing. Policyholder questions can also go to csinfo@unifiedlife.com.

It helps to have the original issuing company’s name and the form number to hand, because the claims team works from the assumed block rather than a single product line. If the policy turns out to pay little toward treatment, the next places to look are programs that accept private insurance under a second policy in the household, Medicaid rehab where income qualifies, and state funded rehab.

Is Unified Life Insurance the Same as Colonial Life or United Life?

No. Unified Life assumed the policies of Colonial Life Insurance Company of Texas in 2019, which is a different company from Colonial Life & Accident, part of Unum. It is also distinct from Unity Financial Life Insurance Company of Cincinnati and from United Life; the resemblance is in the name only. Seven insurers merged into Unified Life between 2001 and 2009, including National Financial Insurance Company and American Insurance Company of Texas in 2006 and Concord Heritage Life in 2009, which explains why old paperwork and current correspondence often carry different letterheads.

Before you call a program: have the policy number, the original issuing company’s name and the form number ready, and know whether the contract is a Medicare Supplement or a legacy health policy. The company is licensed in every state except New York according to Weiss Ratings, and AM Best raised its financial strength rating to B++ (Good) on November 1, 2024, so claims payment is not the open question; the policy wording is.

References and Citations

Unified Life Insurance Company — company, contact, claims and forms pages, merger and assumption history, and Colonial Life Insurance Company of Texas transfer notices.
AM Best — rating actions on Unified Life Insurance Company, including the November 1, 2024 upgrade to B++ (Good) and the 2022 downgrade.
Obra Capital, Inc. — announcement of the acquisition of Unified Life Insurance Company, January 3, 2024.
Office of the Massachusetts Attorney General — 2017 settlement over short-term health policies sold through an association.
Missouri Department of Commerce and Insurance — company lookup, market share data and the 2013 group hospital indemnity form order.
Texas Department of Insurance — list of companies offering Medicare supplement insurance, updated October 1, 2025.
Centers for Medicare & Medicaid Services — Medicare coverage of mental health and substance use services and 2026 cost figures; Medigap plan comparison.
Weiss Ratings — company profile, business mix and state licensing listing.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.