Insurance Coverage for Drug and Alcohol Addiction Treatment
What Is Drug and Alcohol Rehab Insurance?
If you have the question in mind “does insurance cover rehab?”, the short answer is yes. Private rehabilitation treatment for drug and alcohol addiction is typically covered by health insurance. The Affordable Care Act (ACA) lists drug or alcohol addiction services as 1 of 10 categories of essential health benefits, which means that any insurance sold on the Health Insurance Marketplace must cover addiction treatment.1 Insurance companies are required to cover certain basic health services, which include the treatment of mental and behavioral health conditions as well as substance use disorders (SUDs). Additionally, the Mental Health Parity and Addiction Equity Act (MHPAEA) ensures that all private health insurance plans cover substance abuse rehab and treatment to the same degree that they cover other medical issues, so you can expect equal levels of coverage for both.2 In addition, insurance companies cannot deny coverage for any pre-existing conditions, including substance use and co-occurring disorders.3 This means that you can apply for health insurance coverage regardless of what stage of recovery you are in. Insurance can help dramatically reduce what you might otherwise have to pay for detox, inpatient or outpatient substance abuse treatment.
The health insurance marketplace allows you to compare and purchase affordable insurance plans. Under the Affordable Care Act (ACA), each of the following insurance types must cover substance addiction treatment1:
- All marketplace insurance plans.
- Medicaid plans.
- Private insurance policies.
Each of these insurance types are required to cover drug and alcohol abuse treatment to the same extent that they cover medical and surgical services.
Your benefits will vary depending on your specific plan and what state you live in, but these health care exchange or marketplace plans can’t put monetary limits on what is covered in a year or a lifetime.
That being said, health insurance plans do not typically cover all of luxury rehab expenses. They may provide partial coverage, depending on the insurance company and your specific plan.
If you are unsure of what will be covered, contact your insurance company to get the details of your plan.
Insurance Coverage Overview
Health Insurers A - H
- Aetna
- Anthem
Health Insurers I - Z
- Medicaid
- Medicare
Military Veterans
- Veterans Affairs
- Veteran's Choice Program
Services Commonly Covered by Health Insurance Plans
When insurance companies do cover rehab services, coverage might typically include the following:
- Detoxification.
- Inpatient Addiction Treatment.
- Outpatient Addiction Treatment.
How to Find Drug and Alcohol Rehabs Covered by Insurance
AAC works with most insurance providers. Our navigators will assist you in verifying your specific insurance policy during the drug and alcohol addiction treatment admissions process. We can guide you through what your coverage looks like at no cost, and everything is completely confidential. Get started in advance by checking your insurance for treatment coverage using our free online tool
AAC works with most insurance providers. Our navigators will assist you in verifying your specific insurance policy during the drug and alcohol addiction treatment admissions process. We can guide you through what your coverage looks like at no cost, and everything is completely confidential. Get started in advance by checking your insurance for treatment coverage using our free online tool
Instantly find your coverage information
Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your health insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by any insurance carriers.
