Demonstrate working knowledge of private and commercial insurance requirements (e.g., Molina, Optum, Kaiser, Blue Shield Promise, TriWest, MHN, Aetna) including medical necessity criteria, authorization limits, concurrent reviews, and step-down justification. The therapist conducts biopsychosocial assessments, develops and implements treatment plans, provides psychoeducation, facilitates relapse prevention, and ensures compliance with state and federal documentation requirements.