Facebook Twitter Instagram Linkedin Tiktok
Rolling Hills Recovery Center combination logo

Our Location

855-559-8550

Get Help Now
Get Help Now
855-559-8550
Rolling hills recovery center combination logo
Take The First Step Now
Contact Us
Check Insurance
Take The First Step Now
Contact Us
Check Insurance

Does Insurance Cover Rehab Treatment?

  • Reviewed by: Dr. Carl Williams, Ph.D., LCADC
  • Modified:
  • Reading Time: 9 minutes
  • Reviewed by: Dr. Carl Williams, Ph.D., LCADC
  • Last Update:
  • Reading Time: 9 minutes

Learn how health insurance helps cover drug and alcohol rehab. This includes the effects of the Affordable Care Act and private insurance choices.

Start With a Phone Call
Check Insurance
Man Sitting On Armchair At Home With Laptop Paying Bill Online

Understanding Insurance Use in Rehab Funding

Using Healthcare Insurance to Cover Drug and Alcohol Rehab

Many people do not think about insurance or financial plans until they or a loved one needs help for addiction. Can insurance pay for rehab? Advocacy groups state that some addictions qualify as diseases and that most major healthcare providers cover them.

These organizations know that insurance for addiction treatment is crucial. Insurance companies will not cover this care unless they see it as a disease. They say that substance use disorders and mental illnesses, like depression, are diseases. They believe that insurance companies should pay for this treatment.

However, many non-disease conditions are already covered by insurance. Most insurance policies cover bone fractures, pregnancy issues, and the treatment of genetic problems. These are not seen as diseases. The word that is pertinent to an insurer is “medical necessity.”

For insurers, it does not matter if your alcoholism is a disease. Your insurance may cover therapy to help you stop drinking if it is seen as medically necessary. This depends on the rules and exceptions in your policy.

Table of Contents

rolling hills recovery center front desk and logo on the wall.
Group room at rolling hills recovery center with tv and logo mounted on the wall
Room with chairs at the na meeting room at rolling hills
Levels of Care
Popular Topics
Families & Addiction

Understanding Insurance for Rehab Services

Does Insurance Cover Drug Rehab?

Good news! Yes, your insurance plan will cover some or all of the costs for your drug treatment.

There is also special insurance for rehabilitation therapy. This type of coverage is not usually included in your regular medical insurance. However, you can buy it separately as an add-on.

Unlike basic insurance, this option may cover a broader range of treatment options and rehabilitation services. People who might become addicted or have family members at risk often buy this drug treatment program.

If your insurance plan covers substance abuse treatment, you may be eligible for a variety of programs, including:
  • Inpatient or residential rehabilitation.
  • Outpatient programs.
  • Medical detox and medication-assisted therapies (MAT).
  • Treatment for dual diagnosis and co-occurring pre-existing conditions like depression, anxiety, PTSD, and panic attacks.
  • Continuing care.
business executives interacting with each other 2023 11 27 05 27 55 utc

Impact of ACA on Rehab Coverage & Access

The Affordable Care Act and Rehab Coverage

Insurance can now pay for many, if not all, of your rehabilitation costs. This change is thanks to private lobbyists and the government. Now, insurance must cover rehabilitation for drug and alcohol addiction. This change happened after the Affordable Care Act (ACA) was passed.

You can buy the cost of your stay in a rehab center from the government under the ACA Act. Because of this Act, insurance companies must now pay for addiction treatment.

Society has slowly started recognizing the negative repercussions of persistent, obsessive alcohol and drug use. Most of us understand how addiction affects our mental and physical health. It also impacts the social and economic well-being of the whole family.

Thanks to the ACA, insurance companies must cover mental health and behavioral issues. This includes drug and alcohol addiction. They must provide this coverage nearly as much as they do for physical health problems. This is a big and positive step for those who need help.

In addition, there is Medicare and Medicaid. They may also assist in subsidizing the cost of both inpatient and outpatient rehabilitation services.

Did You KNow?

Most Major Insurance Will Help Cover the Cost of Treatment
anthem-white
cigna-1
mcr-aetna-white
mcr-beacon-white
med-mutual-white
prc-magellan
TRICARE_Logo_png
Call Today (855) 559-8550
Check Your Coverage
You Could Be Covered
100% for Treatment

Understanding Your Coverage

Private Insurance Coverage and Addiction Treatment

Private insurance policies can include employee insurance plans. They can also include plans bought by individuals from private companies. Additionally, they cover any programs that the federal government does not support.

Private insurance plans must now cover mental illness and drug abuse treatment like any other chronic condition. As per the Mental Health Parity and Addiction Equity Act (MHPAEA), if your plan includes mental health services, the cost of such services must be on par with the cost of other treatments covered by your plan. You should double-check your policy. An insurance company is not required to offer mental health coverage.

Private insurance is more expensive than a government-sponsored insurance plan. However, with increased costs comes a greater variety of treatment choices regarding therapy, facilities, and length.

Many insurance plans operate in conjunction with specific healthcare facilities or providers as part of a network. Managed Care is the term used to describe this arrangement. Managed care programs are often classified into three categories:

Health Maintenance Organizations (HMOs):

Often, they only cover treatment received from health providers who are members of their network. As a result, they are usually cheaper than other options.

Preferred Provider Organizations (PPOs):

They mainly focus on in-network providers. However, they can still cover some costs for out-of-network services. If you visit a provider outside your insurance network, you may need to pay out of pocket. After that, you can ask your insurer to reimburse you.

Point of Service (POS):

Implies that you may choose between an HMO or a PPO whenever you want medical attention. POS is the most adaptable plan.

Did You Know Rolling Hills Recovery Center Works With A Variety Of Healthcare Providers?

A patient navigator is ready to help. Our team of dedicated professionals are here to help 24 hours a day.

Call (855) 559-8550

Leveraging Group Insurance for Addiction Care

Group Health Insurance Plans

Members of a professional organization, a society, or employees of a large company can get group insurance coverage. Insurance for groups may include life coverage, medical coverage, and other individual ranges.

Because many customers share the insurance provider’s risk, group health coverage often has lower premiums.

One main benefit of group insurance is that it offers policies to all members. This is true no matter their age, gender, income, or job.

In many circumstances, insurance covers the whole expense of addiction treatment. Because of this, you will only have to pay copayments or deductibles if that is the case.

Our Patient Navigators Are Here When You Need Them

Our experienced staff is available 24/7 to answer any questions you may have. Call today and change your tomorrow.

We're Here When You're Ready

Find Out Why We Have a 4.9 Rating on Google

Testimonials & Stories of Hope

Understanding Your Financial Obligations

Deductibles and Copayments

A copayment (or copay) is a defined amount of money you spend out of your pocket for a given service. In most cases, copays are applied to doctor’s appointments, specialist visits, and repeat prescriptions. Mainly, copayments vary from $10 to $45, sometimes more. The exact amount depends on your health insurance plan.

The deductible is the amount you pay for medical costs before your insurance helps. For example, if your deductible is $1,000, you must cover the first $1,000 of your medical expenses.

A person’s insurance policy can vary in how much it covers for alcohol or drug treatment. It can also differ in the length of time the coverage lasts. Talk to your doctor or the treatment center you want to visit. Ask if they have information on this topic.

Please fill out our online form or call us to see if Rolling Hills Recovery Center takes your insurance.

The cost of detox and treatment varies based on the following factors:
  • The finer details of your situation.
  • The sort of therapy used, as well as.
  • The sort of treatment facility that offers the required services.
Master bedroom at grandview estates inpatient alcohol rehab
Living room area at grandview estates alcohol rehab program

Your Path to Freedom Begins Today

Don't Wait Any Longer. Transform Your Life Today.

Our caring treatment navigators are standing by 24 hours a day, 7 days a week ready to help you or your loved one. When you call Rolling Hills Recovery Center you can trust that you will find the help you need – at no cost or obligation to choose our program. Get started right now.

Call Today (855) 559-8550
Get a Callback Now
Request a Confidential 100% Confidential Callback

Coverage for Continuing Care

Aftercare and Insurance Coverage For Rehab

A wide range of insurance plans covers outpatient therapy and follow-up services. However, many insurance plans include time restrictions on inpatient and outpatient treatment.

Some insurance plans may offer treatment coverage for up to six months or a year. These plans are available from certain providers. Other companies may only cover a few days or weeks of therapy.

Before you agree to a treatment plan, check your insurance coverage. Also, look at the policies of the rehab or healthcare facility.

It is not common for someone to reach long-term wellness through detox alone. Without follow-up treatment, even short stays in the facility may not be enough.

Treatment for drug misuse and addictions includes outpatient therapies and long-term treatment planning. Many people recovering from drug addiction benefit from these programs. They help them stay sober for a long time. Insurance usually covers aftercare services, but you should double-check the details with your insurance carrier.

Among the most often used techniques for addiction treatment and aftercare services are:

  • Group therapy.

  • CBT (cognitive behavioral therapy).

  • Family therapy.

  • Occupational Retraining.

Most insurance companies cover the therapy methods mentioned above and others. This is true as long as the APA (American Psychological Association) has approved them.

Insurance companies may not cover holistic programs and activities like guided meditations. This does not mean that these treatments are not helpful or successful for some people with drug abuse issues.

The integration of a 12-step program is another possible option for continued treatment. Addiction is a sickness, not a moral flaw, and 12-step programs teach addicts to embrace this fact. Also, a 12-step program encourages a participant to help others when they are still in recovery or active addiction.

Our Admissions Process

Conclusion

Maximizing Insurance Benefits for Drug and Alcohol Rehab

Health insurance often covers some or all of an individual’s drug and alcohol rehab treatment expenditures. Addiction is a chronic condition that needs treatment in the same way that hypertension, stroke, and cancer do.

However, most insurance plans cover alcohol addiction treatment to differing degrees. Before making treatment decisions, learn more about your specific insurance coverage and options.

Facebook Linkedin X-twitter Pinterest Instagram

Written By:

Geoffrey Andaria

Geoffrey Andaria mental health writer at rolling hills recovery center
Rolling Hills Recovery Center

Mental Health Writer

About Author:

Geoffrey Andaria is an experienced mental health content writer and editor. With a B.A. in English and Journalism, Geoffrey is highly educated in freelance articles and research. Having taken courses on social work, Geoffrey is adamant about providing valuable and educational information to individuals affected by mental health and the disease of addiction.

Medically Reviewed By:

Dr. Carl Williams Ph.D., LCADC

Carl Williams, medical content reviewer at rolling hills recovery center
Rolling Hills Recovery Center

Expert Contributor

About Reviewer:

Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.

Start Your Journey

Stay Informed & Up-to-Date

Related Insurance Articles & Topics