health insurance coverage
for Addiction treatment
wE ACCEPT MOST Health INSURANCE PLANS
Don’t see your health insurance policy here? Don’t worry. We may still be able to help you by verifying your insurance.
Learn about Meritain Health’s drug and alcohol rehab coverage.
Learn about Aetna’s drug and alcohol rehab coverage. We have all of the answers to your questions.
Learn about Cigna’s drug and alcohol rehab coverage. Knowing what to expect and make an informed decision.
Learn about Blue Cross Blue Shield’s plans and the ins and outs of drug and alcohol rehab coverage.
Learn about United Healthcare’s drug and alcohol rehab coverage. We guide you on the specifics.
Learn more about the United Medical Resources and how to navigate finding treatment for addiction.
Learn about the Government Employee Health Association and what to expect for substance abuse treatment coverage.
Our Treatment Program Levels of Care
Frequently Asked Questions
How Much of my treatment will insurance cover?
When it comes to finding out just how much treatment your health insurance plan will cover, it’s not always very clear.
The reality is that your health insurance plan coverage for treatment will have a variety of factors that come into play.
You can utilize our free addiction treatment insurance verification if you want the real, concrete numbers of what your health insurance will cover.
Our admissions specialist can go through the numbers with you and give you a greater understanding of what to expect.
Are there limits or restrictions on what type of rehab coverage my health insurance policy covers?
Yes, there are restrictions on what type of programs are covered by health insurance regarding addiction treatment.
Generally, the plan must cover medically necessary services in an inpatient or outpatient setting, and a qualified provider must provide the services.
Additionally, it’s often that certain standards must be met, like JCAHO accreditation.
Is Family Therapy Included in Treatment Services?
Yes, family therapy and group counseling coverage are included in the cost of a plan that covers addiction services.
What is a deductible or out of pocket Max?
A health insurance deductible is the amount of money that a person must pay for medical expenses before their health insurance policy will begin to cover the remaining cost. Deductibles vary depending on the individual’s plan, but typically range from $100-$5,000 in annual out-of-pocket costs.
An out of pocket max is the maximum amount you are required to pay for covered health care services in a given year. This includes deductibles, coinsurance, and copayments (but not premiums). Once you have met your out of pocket max for the calendar year, your health insurance company will cover all remaining eligible costs at 100%.
Want to get the full picture of your health insurance costs? Verify insurance.
How can I go to rehab without health insurance?
If you are dealing with an addiction and don’t have health insurance, don’t worry; options are still available.
Depending on your financial situation, free or sliding fee scale rehab centers may be available to you. You can also look into applying for financial assistance from state organizations, community groups, or charities dedicated to helping those facing addiction receive the treatment they need.
With patience and diligence, you can find a rehab center that fits your needs and budget—so don’t give up! Don’t let a lack of health insurance prevent you from getting the help you need; there is hope for recovery!