Recreate Life Counseling provides partial hospitalization (PHP) and intensive outpatient (IOP) treatment for substance use and mental health in Boynton Beach, Florida. If your health plan is administered by Luminare Health, or by CoreSource under its older name, this page explains how that kind of plan works, what it usually covers for addiction treatment, and what to ask before you start.
Our admissions team verifies Luminare and CoreSource benefits for free. Network status and your exact cost depend on your employer’s plan, so we confirm both and give you a written estimate before you commit to anything.
CoreSource is now Luminare Health
CoreSource was a long-running benefits administrator owned by Trustmark. It later operated as Trustmark Health Benefits, and after Health Care Service Corporation (HCSC) acquired it in 2022, it was renamed Luminare Health in November 2023. If your card or paperwork still says CoreSource or Trustmark, the plan is still valid. The administrator’s name changed, not your benefits.
What a third-party administrator is
Luminare is a third-party administrator (TPA), not an insurance company. It runs health plans for employers that pay their employees’ medical claims directly, which are called self-funded employee benefit plans. Your employer sets the rules and pays the bills. Luminare processes claims, handles authorizations, and usually rents a provider network so members get negotiated rates.
That matters for treatment in three ways:
- Your plan document is the rulebook. Coverage, exclusions and cost sharing are written by your employer, so two people with Luminare cards can have very different benefits.
- The network may carry another name. Many self-funded plans use a rented network, and that network’s name is often printed on the card. It decides who is in network for you.
- Your HR department can help. HR or your benefits office can send you the plan document and summary of benefits if you do not have them.
Does a Luminare plan cover addiction treatment?
Almost always, yes. Self-funded plans are governed by federal law, and the Mental Health Parity and Addiction Equity Act (MHPAEA), often called the Parity Act, applies to them. If a plan covers mental health or substance use treatment, it cannot set stricter limits on that care than it sets on medical or surgical care. That includes visit caps, day limits, prior authorization rules and cost sharing.
Coverage still depends on medical necessity. A clinical assessment has to show that the level of care fits your needs, and the plan can approve full coverage, partial coverage or a different level of care based on it.
Types of treatment usually covered
Recreate provides the outpatient levels of care. If you need detox or residential treatment first, our admissions team refers you to a partner program and brings you into ours when you are ready to step down.
| Level of care | Typical coverage | At Recreate |
|---|---|---|
| Medically assisted detox and medications for withdrawal | Covered when medically necessary | Referral to a partner program |
| Inpatient and residential rehab programs | Covered when medically necessary, usually with authorization | Referral |
| Partial hospitalization (PHP) | Covered, usually with authorization | Yes |
| Intensive outpatient (IOP) | Covered, sometimes with authorization | Yes |
| Individual and group counseling, behavioral therapy | Covered | Yes, as part of PHP and IOP |
| Prescription medications, including medication-assisted treatment | Covered through the plan’s pharmacy benefit | Coordinated with prescribing providers |
| Dual diagnosis care with a psychiatrist or other prescriber | Covered under the behavioral health benefit | Yes |
In-network and out-of-network coverage
Participating providers, the ones in your plan’s network, bill at negotiated rates and cannot charge you above them. Whether your plan pays for out-of-network treatment depends on the plan document:
- Some individual or group plans include out-of-network benefits with a separate deductible and higher coinsurance. The provider may also bill you for charges above what the plan allows.
- Others cover only in-network treatment, except in emergencies.
- Some plans cover virtual care at in-network rates, which can matter for aftercare once you go home.
Whether a primary care provider (PCP) referral is needed also depends on the plan. Most self-funded PPO-style plans do not require one, but check before you start.
What it will cost
Inpatient treatment costs and outpatient treatment costs are both shaped by the same parts of your plan:
- Deductible: what you pay each year before the plan pays.
- Copayments or coinsurance: a flat fee per day or session, or a percentage of the allowed amount.
- Out-of-pocket maximum: the most you pay in a plan year for covered in-network care.
Because every employer sets its own numbers, we do not list figures here. Our benefits check turns your plan’s numbers into a written estimate for the program we recommend. If you have financial concerns about anything not covered, ask admissions about payment options.
Questions to ask before rehab
Whether you call your Luminare representative yourself or let us do it, these are the questions that decide what you pay:
- Does my plan cover partial hospitalization and intensive outpatient treatment for substance use and mental health?
- Is the treatment center in my plan’s network, and which network does my plan use?
- Do I have out-of-network benefits, and at what level?
- Is pre-authorization required, and who requests it?
- How much of my deductible and out-of-pocket maximum is left this year?
- Are there any exclusions in my plan benefits for substance use treatment?
Ask the treatment center questions too: who your treatment specialist and therapist will be and what licenses they hold, what the clinical assessment involves, and who handles the paperwork with your plan.
How to verify your benefits with us
- Have your insurance card ready, front and back. The network name and the TPA contact details are usually printed on it.
- Call us or complete the confidential form on this page.
- We contact Luminare to confirm active coverage, network status, authorization rules and your cost sharing under your employer’s plan.
- You get a written estimate before you agree to anything.
- If you move forward, we complete the clinical assessment, request authorization and schedule your start date.
Choosing a treatment center
- Accreditation and licensing. Recreate Life Counseling is accredited by The Joint Commission and licensed by the Florida Department of Children and Families.
- Evidence-based care. Cognitive behavioral therapy, dialectical behavior therapy, family therapy and medication-assisted treatment are the core of our programs.
- A plan for after treatment. Ask about aftercare and relapse prevention before you start, not at discharge.
Frequently asked questions
Is CoreSource the same as Luminare Health? Yes. CoreSource operated as Trustmark Health Benefits and was renamed Luminare Health in 2023.
Does the Parity Act apply to my self-funded plan? Yes. MHPAEA applies to self-funded employer plans that offer mental health or substance use benefits.
Will my employer know I am in treatment? Your employer funds the plan, but your health information is protected by HIPAA, and substance use treatment records have added protection under 42 CFR Part 2. Claims details are not shared with your manager.
Does my plan cover mental health treatment without a substance use problem? In most plans, yes. PHP and IOP for depression, anxiety and trauma fall under the same behavioral health benefit.
What if my claim is denied? You can appeal through your plan. Our admissions team can explain the next step and support it with clinical documentation.
Written by: The Recreate Life Counseling Editorial Team
Published on: March 31, 2019
Updated on: November 11, 2026
