Freeman Recovery Center, located in Dickson, Tennessee and accredited by The Joint Commission, works directly with most insurance carriers to cover addiction treatment across every level of care, from medical detox and residential treatment to PHP, IOP, and outpatient services. If you’re trying to figure out whether your plan pays for rehab before committing to anything, FRC’s admissions team can verify your benefits for free, the same day you call. Insurance coverage questions shouldn’t be the reason someone delays getting care.
How Does Insurance Work for Rehab at Freeman Recovery Center?
For most clients, insurance is the primary way treatment gets paid for at Freeman Recovery Center, and it works like coverage for any other medical care. Because FRC works directly with most major carriers, your plan pays a share of the cost while you cover the rest through your deductible, copay, and out-of-pocket maximum.
Insurance Providers Accepted at Freeman Recovery Center
Freeman Recovery Center accepts a wide range of private insurance plans, making treatment accessible for Tennesseans at every income level and life situation. The facility is in-network with many of the most common carriers in the state, which typically means lower out-of-pocket costs and a smoother prior authorization process on the facility’s end.
Primary and in-network insurance carriers accepted include:
- Aetna
- Blue Cross Blue Shield (including BCBS of Tennessee)
- Carelon
- Cigna
- First Health Network
- Magellan
- Optum
- Oscar Healthcare
- TRICARE / TRICARE East
- UnitedHealthcare (UHC)
- UMR
Additional accepted plans:
- Amerigroup
- Baylor Scott & White Health Plan
- Bright Health
- CHAMPVA
- ComPsych
- Elevance Health / Anthem
- GEHA
- Golden Rule
- HealthSmart
- Humana
- Medicaid / TennCare
- Meritain
- Molina Healthcare
- Multiplan
- Providence Health
- Wellcare
- Optum VA CCN (for veterans and VA-eligible individuals)
Not sure if your plan is on this list? Call (615) 645-3677 any time, day or night, and the admissions team can pull your benefits in real time. You can also submit your insurance information online for a free, confidential check.
Book a Free Assessment
Contact us to schedule a free addiction or mental health assessment as part of our admissions process.
What Levels of Care Does Insurance Typically Cover at FRC?
Most major insurance plans cover medically necessary addiction treatment, and at Freeman Recovery Center, that means coverage can apply across the full continuum of care. The Mental Health Parity and Addiction Equity Act (MHPAEA) requires most group health plans and insurers to cover substance use disorder treatment at the same level they cover medical and surgical care. That federal protection works in your favor.
Here is how coverage generally maps to FRC’s levels of care:
Medically Monitored Detox
Medical detox is typically covered by most major carriers when medically necessary. FRC’s medically monitored detox program operates at the Burns, TN campus with 24/7 clinical supervision. Medical necessity documentation is provided by the clinical team during the admissions process.
Residential Treatment
Coverage for inpatient programs ranges from 7-day short-stay options to 30, 60, 90, and 180-day programs are commonly covered, though plan specifics vary. Insurance carriers typically review length-of-stay authorization on an ongoing basis, and FRC’s clinical team works directly with payers to advocate for appropriate length of care.
Partial Hospitalization Program (PHP)
PHP is one of the most commonly covered levels of care. At FRC’s Dickson outpatient facility, PHP provides structured daytime programming while patients live off-site. Many plans cover PHP as a step-down from residential or as an alternative to inpatient admission.
Intensive Outpatient Program (IOP)
IOP coverage is widely available. FRC offers evening IOP sessions specifically designed for working adults and parents, making it easier to stay in treatment without pausing employment or family responsibilities. Insurance coverage for IOP is often less restrictive than inpatient levels of care.
Medication-Assisted Treatment (MAT)
FDA-approved MAT medications including Suboxone, naltrexone, and others are covered by many plans, particularly under MHPAEA protections. FRC integrates MAT across multiple levels of care and also offers it through Freeman Health Partners, the facility’s sister medical organization.
Verify Your Insurance Coverage With Our Admissions Team
Our Tennessee Rehab Facilities
If you’re seeking rehabs covered by health insurance near Nashville, TN, Freeman Recovery Center offers detoxification services and 24/7 residential inpatient care at 1615 Highway 96, Burns, TN 37029, with a main office at 250 State St, Dickson, TN 37055, and also provides outpatient options like PHP, IOP, and general outpatient care at 250 State St, Dickson, TN 37055; for more information on your insurance rehab coverage and treatment options, call (615) 645-3677, and note that outpatient programming runs 8 a.m. to 9 p.m., Monday through Friday.
How Free Insurance Verification Works at Freeman Recovery Center
The verification process at FRC is straightforward and takes most of the guesswork out of the financial side. You don’t need to spend hours on hold with your insurance company or decode an explanation of benefits document before knowing if you can get admitted.
Here is what to expect:
1. Contact the admissions team by calling (615) 645-3677 or submitting the online form
2. Provide basic insurance information, including your member ID, group number, and the name of the subscriber (the person the plan is under)
3. The admissions team contacts your carrier directly to pull your benefits for substance use disorder treatment at the specific levels of care you are considering
4. You receive a clear summary of what is covered, what your deductible and out-of-pocket exposure looks like, and whether prior authorization is needed
5. Same-day admissions are available once insurance is confirmed and the clinical assessment is complete
Please note that a benefits verification is an estimate of coverage based on your plan at the time of inquiry. It is not a guarantee of payment. Final coverage determinations are made by your insurance carrier. FRC’s admissions team will help you understand any gaps before you arrive.
FRC’s admissions line is open 24 hours a day, 7 days a week. There is no obligation tied to a benefits check. It is simply information you need to make a decision.
Does Insurance Cover Rehab Near Nashville? What Tennessee Residents Need to Know
Freeman Recovery Center is located in Dickson, Tennessee, approximately 40 miles west of Nashville. The Dickson campus serves outpatient levels of care, including PHP and IOP, while the Burns, TN campus houses medically monitored detox and residential treatment. For families and individuals searching for addiction treatment near Nashville, Clarksville, Franklin, and surrounding areas, FRC accepts the same insurance plans commonly issued through Tennessee employers and the state’s healthcare marketplace.
A few state-specific coverage points worth knowing:
TennCare and Medicaid
Tennessee’s Medicaid program, TennCare, covers substance use disorder treatment when services are medically necessary. Freeman Recovery Center accepts TennCare for eligible patients. If cost has been a barrier and you are not sure what you qualify for, the admissions team can help you understand your options.
TRICARE for Veterans and Military Families
FRC accepts TRICARE and TRICARE East, as well as CHAMPVA and Optum VA CCN for veterans and their family members. Veteran-specific admissions support is available through the same admissions line.
Marketplace Plans (ACA)
Plans purchased through the Healthcare.gov marketplace are required to cover mental health and substance use disorder services as one of the ten essential health benefits. Most marketplace plans accepted at FRC are listed above, but if yours is not, call and ask. Coverage can often still apply on an out-of-network basis.
For information on using out-of-network benefits specifically, see FRC’s guide to out-of-network treatment coverage.
Why Insurance Verification Is Just the Beginning
Coverage confirmation matters, but it is only one part of the admissions picture. Freeman Recovery Center holds The Joint Commission accreditation, a nationally recognized standard for healthcare quality and safety, which means that when a carrier reviews a claim, they are looking at a facility with documented clinical standards. That matters for how smoothly authorization proceeds.
FRC also holds state licensure through the Tennessee Department of Mental Health and Substance Abuse Services and is LegitScript certified, a credential that helps patients confirm the facility is a legitimate, vetted provider before submitting any personal or financial information.
Beyond accreditation, the clinical picture shapes what insurance covers:
- The treatment team provides clinical documentation supporting medical necessity at each level of care
- If a carrier denies a claim or authorization request, FRC works through the appeals process on the patient’s behalf
- For patients moving through multiple levels of care, from detox to residential to PHP and IOP, the team coordinates insurance through each transition so coverage gaps do not disrupt continuity of treatment
To explore what specific programs are available once coverage is confirmed, visit the programs and levels of care section or learn more about what treatment at Freeman Recovery Center looks like day to day.
Find a Tennessee Rehab Center That Takes Insurance Today
Freeman Recovery Center is a leading rehab that takes insurance in Tennessee, offering expert, compassionate care for substance use and co-occurring mental health conditions. We make it simple to access treatment by working directly with your insurance provider.
From detox coverage to inpatient coverage and PHP coverage, our rehab centers in Tennessee are built around your recovery journey. If you’re searching for rehab centers that take insurance or want to understand your coverage options, our team is ready to assist. Don’t let uncertainty about health insurance for rehab delay your healing. Take the next step now—for yourself or a loved one—and contact Freeman Recovery Center to verify your benefits and start personalized treatment today.
Common Insurance Questions FRC’s Admissions Team Handles Every Day
The admissions staff at Freeman Recovery Center fields insurance questions from prospective patients and their families every day. The questions below reflect what people actually ask before making the call, answered directly.
Does insurance cover drug and alcohol rehab in Tennessee?
Yes, in most cases. Under the Mental Health Parity and Addiction Equity Act, insurers that cover medical care are required to provide comparable coverage for substance use disorder treatment. Most commercial plans, including those listed above, cover at least some level of addiction care, from outpatient to inpatient. Coverage amounts vary by plan; a benefits verification will clarify what applies to your specific policy.
Will my insurance pay for residential addiction treatment in Tennessee?
Residential treatment coverage depends on medical necessity, your plan’s benefit structure, and your remaining deductible and out-of-pocket maximum for the year. FRC’s admissions team handles prior authorization for residential stays and works directly with carriers to document clinical necessity. The verification process will clarify exactly what your plan will pay before you arrive.
How do I verify my insurance covers rehab before I go?
Call (615) 645-3677 or visit. The admissions team will verify your benefits directly with your carrier and give you a clear picture of your coverage within the same business day, often within a few hours.
Can I use Medicaid or TennCare to pay for rehab in Tennessee?
Yes. Freeman Recovery Center accepts TennCare/Medicaid for eligible patients. If you are unsure whether you qualify for TennCare, or if you need help understanding what coverage TennCare provides at each level of care, the admissions team can walk through that with you on the same call.
Statistics on Rehab and Health Insurance Claims in the Volunteer State
- In 2011, 59.6% of substance abuse treatment admissions reported having no health insurance, 21.3% reported having Medicaid, and 10.5% reported having private insurance. In 2020, the KFF reported 58% of adults with mental health conditions or substance use disorders were covered by private insurance.
- Those on Medicaid with moderate to severe mental health conditions or substance use disorders were more likely to have chronic health conditions than those on private insurance.
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