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American Addiction Centers National Rehabs Directory

Insurance Coverage for Drug Rehab Treatment

What Is Drug and Alcohol Rehab Insurance?

One of the main reasons that those struggling with drug and alcohol addiction go untreated is because of the cost of professional substance abuse rehabilitation treatment.

Rehab can be expensive and may deter some people from seeking out a recovery program. Fortunately, all marketplace insurance plans are required to cover drug and alcohol addictions so that more people can have access to treatment and help recover from substance abuse and alcoholism. This coverage is sometimes referred to as drug and alcohol rehab insurance and there are treatment centers that accept insurance to help with addiction recovery.

Does Health Insurance Cover Private Rehab?

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 dual diagnosis 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.

Drug and Alcohol Rehab Centers That Take Insurance, an American Addiction Centers resource, has a relationship with various insurance companies and may be able to help you get into one of our drug and alcohol rehab centers. Some of these rehabilitation facilities that accept insurance in various states include:

To find out if you have coverage, give us a call or use our online insurance checker.

Looking for information about insurance and what it covers? Check out these pages.

Different Insurance Types and What Rehab Programs They Cover

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.2

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.

Commonly Covered Services Under Health Insurance Plans

When insurance companies do cover rehab services, coverage might typically include the following:

  1. Outpatient addiction treatment. With outpatient drug treatment, you don’t have to reside in a rehab facility in order to receive treatment. If you and your healthcare provider decide that you’re a good candidate for this type of treatment, it can let you continue to fulfill your home, school, or work responsibilities.
  2. Inpatient addiction treatment. At inpatient addiction treatment, you live in a rehab facility throughout your treatment while receiving a variety of services – including detox, therapy, counseling, access to medical care, and aftercare planning. Some inpatient centers are hospital based while others are situated in a non-hospital, residential setting.
  3. Detoxification treatment. Detox is the process your body goes through as it gets rid of any remaining substances in the system. While detox may occur at either an outpatient or an inpatient facility, in many cases your doctor or other healthcare professional may advise you to undergo detox at an inpatient facility. Inpatient facilities can provide safety, comfort, and careful monitoring of your physical and psychological condition as you go through withdrawal from your addiction.
  4. Psychotherapy. Psychotherapy provides the opportunity to meet with a therapist one-on-one and address any underlying issues that may influence your addiction. Your therapist can also offer tremendous aid in helping you develop coping skills. 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. is an informational site only and is not affiliated or sponsored by any insurance carriers.

Insurance Providers That May Cover Rehab Treatment

More resources about Insurance Coverage for Drug Rehab Treatment: