Health Choices Coverage for Addiction Treatment

Iowa self-funded employer plans, administered with care, verified free any day of the year.

Health Choices is an Iowa-based third party administrator that manages self-funded employer health plans. If Health Choices administers your employer’s plan, your benefits can cover addiction treatment at Radix Recovery in Cedar Rapids, Iowa, from medical detox through continuing care. Our admissions team verifies Health Choices benefits free, 24/7.

Quick facts

24/7

Free benefits verification

We check your Health Choices coverage any day of the year.

6 Levels of care

Levels your plan may cover, detox through continuing care.

Same day

Many clients admit

Many clients admit once benefits are verified.

1 call

We handle the rest

We handle authorizations directly with your plan.

Trusted in-network insurance partnerships

Does Health Choices Cover Rehab?

Almost certainly, yes.

Covered under federal parity

Health Choices is a third party administrator (TPA): your employer funds the health plan, and Health Choices runs it, processing claims, managing the network, and handling medical management. Self-funded employer plans cover substance use disorder treatment under federal parity rules that apply to plans of this type, and in our experience employers rarely carve that benefit out.

Because every self-funded plan is written for its specific employer, the details vary more than with off-the-shelf insurance. That makes verification especially valuable here: our admissions team reads your plan’s actual behavioral health terms with Health Choices and tells you precisely what is covered, at which levels of care, and at what cost to you.

What Health Choices May Cover at Radix Recovery

Health Choices-administered plans can cover the full Radix continuum when treatment is medically necessary. During verification we map your plan across every level:

Medical detox

medical provider-supervised withdrawal management with 24/7 nursing.

Residential inpatient

30, 60, or 90-day live-in treatment at our Cedar Rapids facility.

Partial hospitalization (PHP)

Full-day clinical programming, 4 to 8 hours daily.

Intensive outpatient (IOP)

3 days per week of structured therapy around your schedule.

Continuing care

Long-term relapse prevention and low-intensity outpatient support.

Who Health Choices Is

Since 1982

Health Choices

An Iowa third party administrator for self-funded employer health plans, with in-house clinical and medical management expertise.

Health Choices has operated since 1982 as a joint venture between Medical Associates Clinic and Mercy Medical Center, administering self-funded benefits with in-house clinical and medical management expertise. It serves employer groups in the Dubuque region and across Tri-state area.

If your member ID card says Health Choices, your employer self-funds your coverage and trusts Health Choices to run it. For you, the experience works like insurance: a network, a deductible, coinsurance, and an out-of-pocket maximum, all of which we confirm during verification. Health Choices is also closely connected to Medical Associates; if your card instead says Medical Associates Health Plans, see our Medical Associates coverage page.

How Do You Verify Your Health Choices Benefits?

Call or Submit Your Information

Call (319) 270-2890 or complete our confidential verification form. Have your Health Choices benefits member ID card handy; the process takes only a few minutes.

We Verify Your Benefits

Our admissions team contacts Health Choices directly, confirms your behavioral health benefits, and identifies your deductible, coinsurance, and any authorization requirements. You get a clear explanation of what your plan covers before you commit to anything.

Admit and Begin Treatment

Once benefits are confirmed and a clinical assessment is complete, most clients can admit the same day or the next day. We handle the paperwork so you can focus on getting well.

What Will I Pay Out of Pocket?

Your out-of-pocket cost depends on your specific plan, not just your insurance company. Three numbers on your plan documents determine most of what you will pay:

Deductible

The amount you pay before your plan starts sharing costs. If you have already met part of your deductible this year through other medical care, your remaining responsibility shrinks.

Coinsurance or copay

Your share of costs after the deductible is met, usually a percentage of the allowed amount or a flat fee per service.

Out-of-pocket maximum

The most you can pay in a plan year. After you hit this number, your plan pays 100% of covered services. Many residents who complete a full continuum of care reach this cap, which means later levels of care often cost little or nothing.

When we verify your benefits, we walk you through each of these numbers for your exact plan, so there are no surprises.

Why Radix

Why Health Choices Members Choose Radix

Radix Recovery gives eastern Iowa families a complete continuum of addiction treatment in Cedar Rapids: medical director-led medical detox with 24/7 nursing, structured residential treatment on 30, 60, or 90-day pathways, and step-down PHP, IOP, and continuing care with one clinical team throughout. Integrated dual diagnosis care for co-occurring depression, anxiety, and trauma is built into the program.

For Dubuque-area members, we are about 90 minutes from home: close enough for family involvement, far enough for a clean break from the environment where addiction took hold.

One roof, one team

Detox through continuing care lives in a single Cedar Rapids facility, with the same clinical team carrying through every step down.

Integrated dual diagnosis

The depression, anxiety, and trauma that often travel with addiction are treated alongside it, not referred out.

Authorizations handled

We coordinate admissions, authorizations, and step-down planning with the plan so coverage decisions do not slow your start.

One Call Answers Everything

Let our admissions team verify your Health Choices benefits free, explain your deductible and coinsurance, and handle the authorization work, before you commit to anything.

Health Choices Coverage for Residents Across Iowa

Our facility sits in Cedar Rapids, and people come to us from every corner of the state. Health Choices members across eastern Iowa and the Dubuque region can use their benefits here, and the Dubuque area is part of our core service area. Our admissions team coordinates travel logistics, family communication, and benefits questions for every Iowa community we serve.

Cedar Rapids

Our Location

Marion

~10 min

Iowa City

~30 min

Davenport

~1.5 hrs

Quad Cities

~1.5 hrs

Dubuque

~1.5 hrs

Ames

~1.5 hrs

Des Moines

~2 hrs

Ankeny

~2 hrs

West Des Moines

~2 hrs

Waterloo

~1 hr

Cedar Falls

~1 hr

Sioux City

~3.5 hrs

Council Bluffs

~3 hrs

Where Your Coverage Takes You

Every level of care lives under one roof in Cedar Rapids, with one clinical team and one billing relationship. When we run your free Health Choices verification, we confirm benefits across the full continuum at once, so you know what each step would cost before you ever step down.

All six levels, one campus Most clinical → Independent

Most clinical → Independent

Medical detox

Medical provider-led withdrawal management for alcohol and opioids with 24/7 nursing, typically over a 3- to 7-day window. As the most clinically intensive level, detox is verified alongside every other step when we check your Health Choices benefits.

Residential inpatient

Living on site with structured 30, 60, or 90-day programming and dual diagnosis care. Length of stay follows your clinical plan, and your Health Choices coverage for this level is confirmed up front.

Partial hospitalization (PHP)

Four to eight hours of clinical programming daily with off-site living, a step down in intensity that we verify in the same benefits review.

Intensive outpatient (IOP)

Three days per week of therapy and medication management built around work and family, covered by Health Choices across the same continuum.

Standard outpatient

Weekly therapy and relapse prevention for as long as it helps, the most independent level of ongoing clinical support.

Continuing care and alumni

Long-term relapse prevention, alumni connection, and a team that stays reachable after your formal treatment ends.

Common Questions About Health Choices Coverage

What is Health Choices?

Health Choices is an Iowa third party administrator, operating since 1982 as a joint venture between Medical Associates Clinic and Mercy Medical Center. It administers self-funded employer health plans: your employer funds the benefits, and Health Choices manages claims, networks, and medical management.

Does Health Choices cover drug and alcohol rehab?

Self-funded plans administered by Health Choices cover substance use disorder treatment under the federal parity rules that apply to them, and employers rarely exclude the benefit. Because each plan is employer-specific, we verify your exact terms with Health Choices before you make any decision.

Is Health Choices the same as Medical Associates?

They are related but distinct. Medical Associates Health Plans is an insurer; Health Choices is a TPA co-founded by Medical Associates Clinic that administers self-funded employer plans. Check your member ID card, and if you are unsure, call us and we will identify it for you.

What levels of care can my Health Choices plan cover at Radix?

Depending on your plan terms and clinical need: medical detox, residential inpatient, partial hospitalization, intensive outpatient, standard outpatient, and continuing care. We verify all five at once so you can see the whole treatment path.

How do I verify my Health Choices benefits?

Call (319) 270-2890 or submit our confidential form with your member ID. We contact Health Choices directly, confirm your plan’s behavioral health terms, and explain your coverage and costs in plain language.

Will my employer find out if I use my benefits for rehab?

Federal privacy law limits what employers can see about your medical claims, even in self-funded plans, where administrators like Health Choices act as a privacy firewall. If confidentiality is a major concern for you, ask us about it directly; we also offer private pay options with no claims filed at all.

Does my Health Choices plan require prior authorization?

Most plans require prior authorization for detox and residential care, and self-funded plans set their own rules. We confirm your plan’s requirements during verification and handle the authorization process on your behalf.

How fast can I admit with Health Choices coverage?

Once benefits are verified and any authorization is in place, most clients admit the same day or the next day. Our admissions team answers around the clock.

Find Out What Your Health Choices Plan Covers

One free, confidential call tells you what your Health Choices plan covers across the full continuum of care in Cedar Rapids. Our admissions team is ready right now, any day of the year.