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 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 insurance plans cover substance abuse 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 SUDs.3 This means that you can apply for 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 and substance abuse treatment.
Rehabs.com, an American Addiction Centers resource, has a relationship with various insurance companies and may be able to help you get into one of our treatment centers. To find out if you have coverage, give us a call or use our online insurance checker.
(Please note: 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 insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by any insurance carriers.)
Looking for information about insurance and what it covers? Check out these pages.
Health Insurance Providers and Coverage Levels
- Aetna Insurance
- American Family Insurance
- AmeriHealth Coverage
- Blue Cross Blue Shield
- Community Health Choice
- Coventry Insurance
- Emblem Health
- First Health Network
- Great West Insurance
- HCSC Insurance
- HMO Insurance
- Kaiser Permanente
- Magellan Insurance
- MVP Health Care
- United Health
- Office of National Drug Control Policy. (n.d.). Substance Abuse and the Affordable Care Act.
- Centers for Medicare & Medicaid Services. (n.d.). The Mental Health Parity and Addiction Equity Act (MHPAEA).
- HealthCare.gov. (n.d.). Mental health & substance abuse coverage.