Do Addiction Rehab Centers Accept Insurance as Payment?

Yes. The vast majority of drug and alcohol addiction rehab facilities accept private and marketplace insurance plans, and many also accept public ones through Medicaid or Medicare. Each facility’s website will detail the type of plans accepted.

Examples of Insurances that Rehab Facilities Accept

Every individual rehab facility will accept a different collection of insurance providers. However, there are a number of private and marketplace insurance providers that are widely accepted for drug and alcohol rehab, including:

• Aetna
• AmeriHealth
• Blue Cross Blue Shields
• Cigna
• ComPsych
• Coventry
• Humana
• MultiPlan 
• Value Options 
• Tricare

Examples of public health insurance coverage options that are widely available for people seeking addiction treatment:

• Medicaid – Health insurance for low-income individuals
• Medicare –  Health insurance for people over 65 

Medicare Part A will cover up to 190 days of inpatient care. Outpatient care will require Medicare Part B. 

What Addiction Treatment Services Does Insurance Cover?

Every plan has a different level of coverage, and every addiction treatment facility offers a different collection of services. Some programs and services that are frequently covered include:

• Medical detox
• Medication-assisted treatments
• Psychotherapy
• Inpatient rehab
• Outpatient rehab
• Partial hospitalization
• Addiction treatment
• Clinic visits
• Home visits
• Evaluations 
• Drug testing
• Counseling 
• Assessments
• Medications 
• Treatment for co-occurring disorders

Verify Health Insurance Coverage Online

Many facilities have websites that can verify if your insurance will cover their services. The process is simple. Contact them, and provide them some information, such as your name and policy number.

Alternatives to Paying for Rehab with Insurance

If your insurance is not accepted but you still need treatment, here are alternative payment options:

• Loans
• Scholarships
• Fundraiser
• Payment plans
• Pay out of Pocket 
  • Credit cards
  • Cash
  • Personal checks
  • Money order

Rehab Costs

• Celebrity rehabs can cost up to $100,000/month.
• Regular facilities can cost anywhere between $2,000 up to $30,000 a month

If these costs seem high, it is important to remember that they are often significantly less than what an addict would spend on drugs during the same time period.

How Long Do I Need to Wait for My Insurance to Get Approved

If you or someone you know is showing signs of overdose or alcohol poisoning, they need immediate care. Call 911 immediately. Additionally, contact the National Suicide Prevention Lifeline if you are having suicidal thoughts.

If the care you need is not urgent, then most facilities should let you know instantly through the automated system whether your insurance is accepted. If the process is not instant, you might need to wait one or two days for a person to manually check.

Use Your Health Insurance To Cover the Costs of Rehab

The 2008 Mental Health Parity and Addiction Equity Act (MHPAEA) and the 2014 Affordable Care Act (also known as ‘Obamacare’) required that addiction treatment is covered under insurance plans. Substance use disorders are now treated like any other medical illness. Doctors, therapists, and counselors can bill insurance similar to someone visiting a clinic for a basic checkup or getting admitted for a hospital stay.
Contact a treatment center near you for more information.