Paying for Alcohol Rehab With and Without Insurance Coverage
If you struggle with alcohol use, you’re not alone. More than 28 million people in the United States had a past-year alcohol use disorder (AUD) in 2020, but no one has to go through it alone.1 Addiction is treatable, and programs across the country can help you break the cycle of addiction.
Unfortunately, sometimes people hesitate to enter treatment because they aren’t sure how to afford it. The good news is that there are many ways to pay for alcohol rehab, whether you have health insurance or not.
This page will help you understand how to pay for alcohol rehab with health insurance and what to do if you don’t have that type of coverage.
Does Health Insurance Cover Alcohol Rehab?
In short, yes, although coverage will vary depending on several factors.
The Affordable Care Act (ACA) was enacted in 2010 and requires long-term health insurance plans to cover 10 essential health benefits, including mental health and substance use treatment.2 This means that alcohol rehab insurance coverage can help you pay some or all of the costs associated with treatment.
The exact amount of coverage you’ll get from your insurance will depend on your specific plan, so you’ll want to verify your coverage before you commit to an alcohol rehab program. You can do this by calling the number on the back of your insurance card and speaking to a representative. You may also be able to check the details of your plan online.
What Is Covered by Insurance?
What’s covered by insurance will vary; in general, insurance focuses on providing coverage for evidence-based, medically necessary care.
Your primary care physician or another medical professional can help determine the best treatment plan for your unique needs. Your doctor may ask you several questions about your alcohol use, including how long you have been drinking, how much you typically drink, if you use other substances, and if you have any other co-occurring health problems. Your doctor may also ask about your home, social, and work life to assess your support system.
While treatment will look different for everyone, common evidence-based treatment options that may be covered by insurance include:3
- Outpatient care.
- Inpatient or residential treatment.
- Dual diagnosis care for co-occurring mental health and substance use disorders.
Due to the changes made by the ACA, pre-existing conditions are covered by insurance.4 Also, health insurance plans must provide at least as much coverage for substance use and mental health treatment as they would for any other medical condition, which is known as coverage parity.4
What Isn’t Covered by Insurance?
Insurance generally doesn’t cover experimental or unproven treatment methods or non-medical amenities. Instead, coverage will focus on medically-necessary proven treatment.
For example, services that are unlikely to be covered by insurance include:
- Alternative or holistic care services.
- Recreation programs that aren’t part of evidence-based treatment.
- Food delivery.
- Private treatment services from a provider not vetted by the insurer.
How to Check If Your Insurance Covers Alcohol Rehab
Understanding what your insurance covers ahead of time can help you avoid unexpected bills and focus on recovery. Fortunately, there are several ways you can check your insurance coverage, including:
- Call the number on the back of your insurance card and speak to a representative. Alternatively, you should be able to access the details on your insurance plan online by viewing your explanation of benefits (EOB). Be sure to have your insurance card handy so you can provide your ID number and plan type.
- You can check your insurance coverage at an American Addiction Centers (AAC) facility by filling out the form below or contacting us at . Our admissions navigators can verify your insurance in just a few minutes and answer any questions about rehab.
How to Find Alcohol Rehab Near Me That Takes Insurance
Many high-quality treatment programs can help you break free from the cycle of addiction but finding an alcohol rehab near you can feel daunting. Fortunately, there are several ways you can begin your search.
If you have a primary care physician or another medical professional that you see, you can ask for a referral. Most insurance companies have an online portal where you can search for providers in your insurance company’s network. You can also contact rehabs directly to find out if they accept your insurance plan and how much coverage it provides.
The Rehabs.com directory allows you to easily find local treatment programs. You can filter by location, treatment options, insurance accepted, and more.
What Are My Options if I Don’t Have Insurance?
If you don’t have health insurance, you can still get the treatment you need. There are several ways to pay for rehab, even if you don’t have insurance coverage.
Some treatment programs offer grants and scholarships based on financial need. Others offer payment plans and sliding scales, based on what you can realistically pay. You may also be able to get assistance from an Employee Assistance Program (EAP) at your job. The Human Resources department can help you begin the process.
Some people take out personal loans or borrow money from friends and family to pay for the treatment they need.
No matter which method you use to pay for treatment, it’s important to get the help you need. Treatment is an investment in yourself that can help you live a happier, healthier life.
How Much Does Alcohol Rehab Cost Without Insurance?
How much rehab costs can vary greatly depending on the types of treatment you receive, the setting in which you receive it, and for how long. This is why it’s important to understand the cost ahead of time so you know exactly what you can expect to pay.
No matter how much rehab costs, it’s important to not delay getting the care you need. Rehab is an investment in yourself that will always be worth the price. If the cost of rehab is a barrier to getting the treatment you need, know that you have options. Contact American Addiction Centers at to learn more.