Healthcare Insurance Coverage and Villa Kali Ma

Villa Kali Ma provides treatment for women struggling with addiction, mental health disorders, and dual diagnosis (both addiction and mental health challenges) at multiple levels of care. We have inpatient and outpatient treatment options for all combinations of addiction, trauma, and mental health needs.

We are in-network with several major insurance providers. Please feel free to reach out to an admissions coordinator to help look over what treatment needs may be covered by your health insurance.

You’re Not Alone: Navigating Insurance Policies Can Be Challenging!

When you’ve decided to get help for your addiction, trauma, or mental health struggles, it can feel extra challenging to also have to think about how to fund your treatment. Insurance topics can be confusing and overwhelming, given the many factors like co-pays, deductibles, types of plans, rules of coverage, and finding in-network providers.

Please know, that we get it, and you don’t have to handle these questions alone! The staff at Villa Kali Ma will help you figure out your treatment coverage options so you can make an informed decision about what level of care you need and how you can afford it.

Does First Health Insurance Cover Drug or Alcohol Rehab?

If you have First Health Insurance, you very likely have some kind of coverage for drug and alcohol rehabilitation. It is important to verify the details of your particular plan, as each policy is slightly different and will vary state by state.

Please keep in mind that coverage does not necessarily mean that you won’t have to pay anything, just that some portion of the total cost will be taken care of by the insurance company.

How Can I Get Insurance Verification?

first health rehabThe best way to verify your insurance is to contact your insurance provider. At the insurance company website, you can log in to your client account, or you can find the appropriate phone number to call to speak to a customer service representative whose job it is to help you understand all the details of your case.

You can also talk directly with a services provider, such as Villa Kali Ma, and we will usually be able to help you figure it out.

If you have First Health insurance, you can verify to what extent your plan covers addiction treatment services by accessing your First Health coverage account online. There is a box in the upper right corner that allows you to log in as a client. Your insurance card will probably have information that’s necessary when you log in, such as a policy or ID number.

Alternatively, you can call First Health at 1-800-226-5116 to talk to a person about what will or will not be covered by your treatment.

If you’re thinking about joining us at Villa Kali Ma for your treatment, we can also help you get answers about the details of your policy’s coverage to the services we provide.

First Health is connected with in-network providers in every state, including California. Villa Kali Ma is listed as an in-network provider for First Health.

First Health Coverage Levels and Coverage Plans

The specifics and extent of coverage First Health provides depends on your policy. Generally speaking, you can expect that First Health will cover at least some of the costs associated with treatment, including detoxification, inpatient (aka rehab), and outpatient treatment, which includes different psychotherapy options and groups.

Most health insurance plans have different tiers and types of policies, following the general rule that the more you pay into your plan each month, the more you can expect to be covered when you need it.

Even if your First Health Insurance covers treatment, again please keep in mind that you might need to pay a deductible or a co-pay. A deductible is the amount that you are required to pay out of pocket before your insurance starts to cover additional costs. A co-pay is when you must pay a certain portion of a specific service.

First Health Coverage for Mental Health and Addiction Treatment

Like all insurance companies, First Health is required by law to provide some coverage for mental health and addiction treatment services. How much coverage, as well as which providers are preferred, varies according to your plan.

The best way to be sure of what extent of coverage you will have is to check with First Health regarding the specifics of your policy, by checking your online account or calling First Health to speak to someone. You can also talk to us at Villa Kali Ma to get a picture of which of our services will be covered in your case.

Generally speaking, you can expect some portion of costs to be covered related to receiving treatment for substance addiction as well as mental health services like counseling.

Which Addiction Treatment Programs Does Insurance Cover?

first health network insurance

Addiction treatment programs have different kinds of costs. It is often medically necessary to first detoxify in a supervised setting, such as a hospital or detoxification facility. Typical costs covered by insurance usually include detox, other substance abuse-related hospitalizations, drug tests, diagnoses, clinical assessments, and lab work.

You are probably covered for what are called “co-occurring mental health disorders” (when you have an addiction and mental health problems at the same time), and for individual, group, and family therapy during your stay in rehab, as well as any medically-recommended aftercare programs and services once you leave rehab.

Villa Kali Ma provides a full spectrum of addiction treatment services, which means that we provide all levels of care from medical detoxification down to outpatient. You should be able to receive the level of care you need and have some degree of coverage from your insurance to help you meet the costs of treatment.

What Is the Patient Protection and Affordable Care Act?

Also known as Obamacare, the Patient Protection and Affordable Care Act is a federal statute that expanded the coverage that insurance companies are required to provide. Due to the ACA, many mental health and addiction treatment services are covered to some degree by all insurance providers, such as rehabilitation and counseling.

What Does It Mean if Villa Kali Ma Is “In-Network” With My Insurance Company?

Depending on the type of insurance provider, insurance companies maintain a list of preferred providers, called “in-network providers”, where an agreement has been made beforehand to keep costs within a certain range.

If Villa Kali Ma is in-network for your insurance company, that generally means it will be cheaper for you than if it is out-of-network for your insurance company. Villa Kali Ma is in-network with First Health and several other major insurance providers.

Common Questions Regarding Insurance and Verification

It can be complicated and challenging to figure out your insurance. What type of plan you have will affect how your treatment costs are handled by your insurance. The best thing you can do is look at your current insurance policy to get an overview.

For additional understanding, you may want to check this website out to help get more insight into healthcare plans in general.

The most basic things you need to know are yes, you probably have some degree of coverage for addiction and mental health treatment through your insurance, but how much depends on your policy, so it’s best to make sure you have the details of exactly how much will be covered by your insurance before you embark on your treatment journey.

Villa Kali Ma Outpatient Treatment for Women

3790 Via De La Valle # 313
Del Mar, CA 92014

(760) 903-5758


Call Villa Kali Ma at (760) 350-3131 or contact us to learn about our Intensive Outpatient Program for women.


It was the best 30 days of my life.


Villa Kali Ma provides a holistic, supportive, therapeutic retreat for women to recover from trauma & substance disorders. The intensive and comprehensive approach provides a compassionate path of learning, awareness, and self-love for healing. I am grateful for the sacred space provided for my reflection, my mind-body-spirit work, and my opportunity to connect with other women in this process.


Villa Kali Ma changed my life in every single aspect. Not only did the experience help me get sober and stay sober for over a year now, but I was finally able to work on my past trauma in a safe and stable environment. Not a day goes by that I’m not using a healthy tool they taught me. I am forever grateful to the staff and strong women I spent my time with there. Truly the most profound life changing month of my life.





joint commission

Licensed by the State of California: Department of Health Care Services

Villa Kali Ma is an in-network provider with Anthem BCBS, Multiplan, First Health, Healthnet, and currently accepts most
PPO plans with out-of-network benefits. Call (760) 350-3131 for information on cost and payment options.