One of the first things many people in need of addiction treatment ask about is whether or not their health insurance plan will cover their rehab program. Insurance companies are required to provide coverage for mental health and addiction treatment, but levels of coverage vary.
Thanks to the Affordable Care Act (ACA), and the Mental Health Parity and Addiction Equity Act (MHPAEA) that preceded it, Americans receive health insurance coverage for addiction treatment.
But every health insurance plan is different, so the amount of coverage may vary.
But that doesn’t mean that insurance companies will cover the entire cost of treatment programs or cover every treatment service provided by a rehab center.
Insurance companies also may require prior authorization for some drug and alcohol addiction treatment options, and they may deny coverage for a specific type of treatment.
You will also find a lot of coverage variance in insurance policies, so while they may cover treatment, the extent of that coverage depends on your insurance provider and policy.
Generally speaking, insurance covers rehab costs associated with evidence-based treatment for drug or alcohol abuse.
Levels of care that are usually covered by insurance include:
Treatment services that are usually covered by insurance include:
The preceding treatment services and levels of care for alcohol and drug abuse will almost always be covered by all types of insurance.
Many people get private insurance benefits through their employer or spouse’s employer. Other popular forms of health insurance include publicly funded programs.
Different types of insurance that cover substance abuse include:
This means that no matter what type of health insurance you have, you can receive coverage for mental health services and alcohol and drug addiction treatment.
Insurance companies must offer coverage for a drug rehab program, but that coverage can vary depending on your insurance plan.
You may still end up owing a sometimes considerable amount of money due to out-of-pocket expenses.
Out-of-pocket expenses may include:
You should also note that if you are not receiving care at a treatment facility that is in-network with your insurance company, your copayments and your deductible could increase.
If you find yourself facing more out-of-pocket expenses from a drug rehab program than you were anticipating, you have options to help you pay for them.
Payment options for costs outside of health insurance coverage may include:
If you or a loved one is facing a substance use disorder, you can find treatment today. Call or visit AddictionResource.net to learn about the recovery process and how to get started.
Written by the Addiction Resource Editorial Staff
This page does not provide medical advice. See moreAddiction Resource aims to provide only the most current, accurate information in regards to addiction and addiction treatment, which means we only reference the most credible sources available.
These include peer-reviewed journals, government entities and academic institutions, and leaders in addiction healthcare and advocacy. Learn more about how we safeguard our content by viewing our editorial policy.
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