​​To find out if you or a loved one are covered under an insurance policy, call the company’s toll-free number. Many companies have separate numbers for behavioral and mental health services, which can be found on your insurance card. A representative should be able to provide information such as: Your coverage status The dates that your coverage is valid The services that your policy covers The amount of your deductible or copayment (the portion of the costs that you are responsible for) An insurance company representative may not be able to verify coverage for a specific service or treatment provider over the phone. Some plans require that a request for authorization be submitted before payment can be approved. It’s not always easy to understand the legal language of insurance contracts or to make sense of the rules and restrictions of a policy. As part of the admission process to a rehab center, you should have the guidance of an intake counselor or insurance verification specialist who can help you figure out your financial responsibilities. Most treatment centers that accept insurance have staff members who will help you request authorization for care from your provider.