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Does Insurance Cover Rehab?

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Fortunately, the majority of PPO health insurance plans provide partial or full coverage for drug rehab and alcohol rehab.

The perceived barrier to treatment prevents many people addicted to alcohol, prescription medications, or illicit drugs from accessing the structured therapy they need. The latest data published by SAMHSA (Substance Abuse and Mental Health Services Administration) shows that 40 million U.S. adults had substance use disorder in 2020 and only 2.4 million engaged with any form of treatment. The same data indicates that only 2 million people went to alcohol rehab in 2020, while 28.5 million reported alcohol use disorder in that year. 

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Addiction is a chronic, relapsing brain disorder. While there is no cure for alcohol use disorder or substance use disorder, both conditions respond favorably to evidence-based interventions. 

Rehab might be effective for treating most addictions, but it can also be expensive to get the level of care you need. Explore whether or not you can meet the costs of drug or alcohol rehab with health insurance. 

Does Health Insurance Cover Rehab?

Due to the significant treatment gap in the United States, the ACA (Affordable Care Act) was enacted in 2010 with three main goals in mind: 

  1. Expanding the Medicaid program.
  2. Increasing accessibility to affordable and effective health insurance.
  3. Supporting innovative treatment delivery methods like virtual rehab to further reduce the costs of healthcare.

All insurance plans, whether individual or group plans, most now offer coverage for ten essential health benefits. Treatment for substance use disorder (addiction) and mental health disorders is deemed essential. 

The ACA also mandates that health insurance providers offer the equivalent coverage to that offered for surgical care or general medical care.

Some insurance plans may meet the full cost of a supervised clinical detox followed by 30 days in an inpatient treatment facility. Other plans may only provide partial coverage for outpatient therapy. The extent of coverage will depend on many variables, including the severity of your addiction and the specifics of your health insurance plan. 

Recovery is a lifelong process, so you should not rush the process. Take your time to choose the right drug and alcohol rehab offering an appropriate environment and interventions for your needs. Once you have a shortlist of treatment providers, you can then further explore whether you can meet at least some of the costs with a PPO health insurance plan. 

How Can I Determine if My Health Insurance Plan Covers the Costs of Rehab?

Consult your health insurance provider directly to assess your coverage for drug and alcohol rehab. Your insurer should inform you about the extent of coverage and whether you are eligible for a medical detox covered by insurance. 

These insurance providers and more offer at least partial coverage for addiction and mental health treatment: 

  • Cigna
  • Aetna
  • Tricare
  • United Healthcare
  • Humana
  • Blue Cross and Blue Shield

Does Insurance Cover Alcohol Rehab?

Health insurance providers are compelled by the Affordable Care Act to cover the costs of alcohol rehab. Benefits will vary depending on the state and the provider. 

Most major health insurers will meet at least some of the following costs: 

  • Screenings
  • Intervention
  • Medical detox services
  • Outpatient treatment
  • Medically-managed residential care if essential
  • Behavioral interventions (psychotherapy and counseling)
  • Dual diagnosis treatment

Does Insurance Cover Drug Rehab?

Many health insurance plans will provide the following coverage for drug addiction treatment: 

  • IOPs (intensive outpatient programs)
  • PHPs (partial hospitalization programs)
  • MAT (medication-assisted treatment)
  • Short-term inpatient care for severe drug addictions
  • Preventative counseling
  • Peer support
  • Ongoing counseling

What can you do if you are ready to move from active addiction into sober living and you want to meet the costs of therapy with health insurance? We can help you from detox to discharge and beyond here at our luxury Huntington Beach rehab center.

California Detox: Inpatient or Outpatient Rehab Covered by Most PPO Insurers

At California Detox, our team of credentialed specialists deliver addiction treatment at all levels of intensity as follows: 

  • Outpatient rehab
  • Intensive outpatient treatment
  • Inpatient rehab
  • Virtual rehab

Our programs are designed to address all types of addictions and mental health conditions. For those with co-occurring disorder, we have dual diagnosis treatment programs that delivered coordinated and integrated care. 

If you have PPO health insurance that covers the cost of addiction treatment, we are happy to work with most major providers here at our luxury rehab center in California. 

For more information about rehab with insurance and immediate assistance, reach out to California Detox right now by calling 949.567.8790.

FAQs

You should first contact your insurance provider to discuss the coverage offered by your health plan. If coverage is available, you can determine whether the insurer will meet the costs of inpatient or outpatient rehab. You can also discuss if a supervised detox is deemed essential. Next, speak with the rehab centers on your shortlist to confirm whether the insurance plan is accepted as payment for treatment. At California Detox, we work with most major PPO insurance providers.
Some health plans will cover the full costs of a medical detox and inpatient treatment for alcoholism or drug addictions, while others may only partially meet the costs of outpatient therapy. Many variables influence coverage specifics and how much you will need to pay out of pocket.

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