In-Network Insurance in San Diego

San Diego Transformation Center is now in-network with ten major health plans and employee assistance programs — making evidence-based outpatient behavioral health care more accessible across Southern California.

Why In-Network Coverage Matters

Out-of-pocket cost is one of the leading barriers to seeking behavioral health treatment. When your health plan is in-network with a provider, it means negotiated rates, more predictable benefits, and streamlined prior authorization. Our outpatient programs deliver the clinical intensity of higher levels of care without 24-hour admission, so you can maintain your family and career while receiving expert, evidence-based treatment. Actual costs and coverage depend on your specific plan — our team confirms your benefits before you commit to anything.

What Every In-Network Member Can Access

Across all ten plans below, members can access our full outpatient continuum in-network, subject to the terms of their individual plan.

Substance Use Disorder (SUD) — PHP (ASAM 2.5/2.7), IOP (ASAM 2.1), and OP (ASAM 1.0–1.5) with evidence-based care, MAT, and peer support.
Mental Health — PHP, IOP, and OP care for depression, anxiety, bipolar disorder, PTSD, and more.
Eating Disorders — Specialized outpatient programming for anorexia, bulimia, binge eating disorder, and related conditions.
Co-Occurring Disorders — Integrated dual-diagnosis care with a single, unified team — our “One Team, One Journey” model.

Explore our programs: PHP · IOP · Outpatient · Substance Use · Mental Health · Co-Occurring

Your In-Network Plans

Find your plan below. Not sure which network your plan uses? We’ll figure it out for you.

1. Cigna / Evernorth

Cigna manages behavioral health through its subsidiary Evernorth, one of the largest behavioral health networks in the industry. Under most Cigna plans, behavioral health and SUD benefits fall under the same deductible and out-of-pocket maximum as medical benefits, though this varies by plan.

2. United Healthcare

United Healthcare manages behavioral health through Optum, one of the largest behavioral health networks in the industry. Under most United Healthcare plans, behavioral health and SUD benefits fall under the same deductible and out-of-pocket maximum as medical benefits, though this varies by plan.

3. Aetna

Aetna serves millions nationwide, with behavioral health benefits governed by the Mental Health Parity and Addiction Equity Act. Our team uses CBT, DBT, EMDR, and MAT protocols aligned with Aetna’s clinical criteria. Cost-sharing depends on your plan type (HMO, PPO, EPO).

4. Sharp Health Plan

Sharp Health Plan manages behavioral health through Optum Health Behavioral Solutions of California. Under most Sharp Health Plan plans, behavioral health and SUD benefits fall under the same deductible and out-of-pocket maximum as medical benefits, though this varies by plan.

5. Optum

Optum manages behavioral health for UnitedHealthcare and many other plans, operating one of the largest behavioral health networks in the industry. Under most Optum-administered plans, behavioral health and SUD benefits fall under the same deductible and out-of-pocket maximum as medical benefits, though this varies by plan.

6. Oscar Health

Oscar Health manages behavioral health through Optum, one of the largest behavioral health networks in the industry. Under most Oscar plans, behavioral health and SUD benefits fall under the same deductible and out-of-pocket maximum as medical benefits, though this varies by plan.

7. Curative Health Plan

Curative is a member-forward plan built around a low-cost model — many qualifying plans feature $0 copays and no deductible, though coverage depends on your specific plan design. Curative’s Care Navigator team can connect members directly with our admissions team.

8. Prime Health Services

Prime Health Services (PHS) is a national PPO network used by carriers, third-party administrators, and self-insured employers. If your card lists PHS, or your TPA participates in the network, you may now access us in-network. Our billing team coordinates PHS benefits directly.

9. Uprise Health (EAP)

Uprise Health (formerly American Behavioral) is a leading EAP and digital behavioral health platform. Members referred through the EAP can transition into our PHP, IOP, or OP programs with streamlined authorization — often with an assessment and referral at no cost.

10. MediNcrease (MHP)

MediNcrease is a national, directly-contracted multi-specialty PPO network and cost-containment leader across commercial health, workers’ compensation, and auto medical markets. Direct contracting reduces cost-sharing for plan members across all MediNcrease plan types.

11. Western Growers Health

The largest provider of health benefits for the agriculture industry — a non-profit offering ACA-compliant HMO, PPO, and flexible plans across California and the West. We offer multilingual clinical capabilities to serve this workforce with dignity and respect.

12. Networks By Design

A California-based network management company building custom networks for employers, payors, and plan sponsors, including California EPO and workers’ compensation networks. As a participating facility, we’re accessible to plan members across California employer groups.

13. Claritev (formerly MultiPlan)

Claritev operates the PHCS and MultiPlan networks — the infrastructure behind many employer, TPA, and self-insured plans. If your card references PHCS, MultiPlan, or Claritev, you’re in a broad network with behavioral health coverage. Look for the PHCS or MultiPlan logo on your card.

14. Teamsters Assistance Program (TAP)

TAP provides substance abuse and dependency support to Teamsters members and families, with benefits compliant with federal MHPAEA parity rules. Teamsters members can call their TAP representative or contact us to coordinate a smooth, confidential access process.

Plan names and benefit descriptions are provided for member convenience and are subject to the terms of each individual plan. In-network status and coverage should be confirmed through your plan or our admissions team before beginning care.

Not Sure Which Network Your Plan Uses?

We’ll check it for you — free, confidential, usually within 24 hours.

About San Diego Transformation Center

San Diego Transformation Center — the clinical arm of Prosperous Health San Diego, LLC — provides comprehensive outpatient treatment for substance use, mental health, eating disorders, and co-occurring conditions. Our 15,000-square-foot facility houses private clinical rooms, community spaces, a boutique gym, medical suites, and a TMS wing. Through our “One Team, One Journey” model, you work with the same integrated care team from your first call through long-term remission monitoring. We hold the Joint Commission Gold Seal of Approval for Behavioral Health Care.

Our Outpatient Levels of Care

Level of Care	ASAM	Description
Partial Hospitalization (PHP)	2.5 / 2.7	Medically intensive day treatment, 5–6 hrs/day
Intensive Outpatient (IOP)	2.1	Structured group & individual treatment, 3+ days/week
Outpatient (OP)	1.5	Ongoing therapy and monitoring
Standard Outpatient	1.0	Long-term remission monitoring and support

How to Get Started

Our admissions team handles all insurance verification, prior authorization, and intake scheduling on your behalf — at no cost and with complete confidentiality.

Contact us — Reach our admissions team and tell us which plan you’re enrolled in.
Free insurance verification — We confirm your in-network benefits, cost-sharing, and authorization requirements, typically within 24 hours.
Clinical assessment — A licensed clinician conducts a comprehensive biopsychosocial assessment to determine the right level of care.
Personalized treatment plan — Your care team builds an individualized plan and your journey begins.

Frequently Asked Questions

How do I know if my insurance is in-network with San Diego Transformation Center?

Look for your plan or network name — such as Cigna, Aetna, Curative, PHCS, MultiPlan, or Prime Health Services — on your insurance card. If you’re unsure, our admissions team will verify your in-network status for free, usually within 24 hours.

What if my plan uses a network like PHCS, MultiPlan, or Prime Health Services?

Many employer-sponsored and self-insured plans are administered through PPO networks like PHCS, MultiPlan (Claritev), Prime Health Services, MediNcrease, and Networks By Design rather than a household-name carrier. If any appear on your card, you may be in-network with us.

Does in-network coverage mean my treatment is free?

Not necessarily. In-network status means negotiated rates and more predictable benefits, but your actual out-of-pocket cost depends on your plan’s deductible, copay, and coinsurance. Some plans, such as certain Curative plans, feature very low or $0 costs. We confirm your exact cost-sharing before you begin.

What levels of care are covered?

Our in-network agreements cover our full outpatient continuum: PHP, IOP, and standard Outpatient. We do not provide 24-hour residential care.

Can I use my Employee Assistance Program (EAP)?

Yes. If your employer offers an EAP through Uprise Health, your benefit may cover an initial assessment and referral into our programs at no cost. Contact HR or Uprise Health to initiate a referral, or call us and we’ll help coordinate.

What conditions do you treat?

Outpatient treatment for substance use disorders, mental health conditions (depression, anxiety, bipolar disorder, PTSD), eating disorders, and co-occurring disorders — treated together with a single care team.

How long does insurance verification take?

Most verifications are completed within 24 hours. Our team contacts your plan directly, confirms benefits and any authorization requirements, and walks you through what to expect.

Start Treatment Using Your Benefits

Recovery is possible, and for thousands of members across our newly in-network plans, quality care is now more accessible. Let us verify your benefits at no cost and with complete confidentiality.