Get clear answers before treatment begins

Insurance participation, authorization rules, covered services, deductibles, copayments, and coinsurance vary by plan and can change. Contact Harbor with your insurance card available so staff can review current information and explain next steps.

Verification of benefits is not a guarantee that an insurer will pay. Final coverage depends on eligibility, medical necessity, plan terms, authorization, coding, and the insurer’s claim decision.

• Have the member name, date of birth, member ID, and group number available
• Ask whether Harbor is currently in network for your specific plan
• Ask whether outpatient SUD assessment, counseling, and medication services require prior authorization
• Ask about deductible, copayment, coinsurance, visit limits, and laboratory benefits
• Request a written explanation of any self-pay amount before non-emergency services when possible

Keep copies of benefit explanations, receipts, authorizations, and communications. If something looks incorrect, call Harbor promptly and have the date of service, statement, and insurance explanation of benefits available.