Insurance · Honest answers

Can U.S. insurance help pay for rehab in Mexico?

Sometimes — and anyone who promises more than that is overselling. Here is exactly how out-of-network reimbursement can work, what we provide, and what to ask your insurer before you commit.

The honest summary Some PPO plans may reimburse a percentage of international care as out-of-network — typically anywhere from 0% to 60% of the “allowed amount,” after your out-of-network deductible, with no guarantee. HMO, EPO, and many ACA plans usually have no mechanism to pay a foreign provider at all. Medicare essentially never covers care outside the U.S.

You self-pay the all-inclusive price

Treatment at Despertares is cash-pay up front ($6,000–$12,000 for 30 days residential — often less than the deductible-plus-coinsurance at a "covered" U.S. facility).

We give you a complete superbill

Itemized billing statement with ICD-10 diagnosis codes, CPT procedure codes, a letter of medical necessity from the treating clinician, and proof of payment.

You file an out-of-network claim

Request your insurer's OON claim form before discharge and submit the packet. Reimbursement, when approved, is a percentage of the allowed amount after your OON deductible.

Other ways to reduce the cost

Can I use my HSA or FSA?

Generally yes — medically necessary addiction and mental-health treatment is typically an IRS-qualified medical expense, including care outside the U.S. Confirm with your plan administrator before you travel.

I'm a veteran — does the VA help?

The VA Foreign Medical Program (FMP) can cover treatment abroad when it's tied to a service-connected condition. A meaningful option for the San Diego military community — we help you ask the right questions.

Why can a U.S. plan still leave me paying $15,000+?

A "covered" U.S. facility with a $45,000 sticker can still leave you a $3,000–$10,000 deductible plus 20–40% coinsurance — often $15,000–$25,000 out of pocket. Compare that to our published all-inclusive prices before assuming insured means affordable.

Do you guarantee reimbursement?

No — and no one honestly can. Reimbursement depends entirely on your plan. We provide the complete documentation and help you verify eligibility first.

Free insurance-eligibility check

We verify your out-of-network options with you before you spend a dollar.

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