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American Family Insurance Coverage for Drug and Alcohol Rehab

American Family Insurance (AFI) has been around since 1927 and they offer all kinds of insurance, including health plans. They are available in 19 states, and their health insurance ranges from supplemental and short-term plans to individual and family plans for clients.1

The AFI health insurance plans have different coverage levels for rehab services, and the price will fluctuate with the amount of coverage offered.

As part of the Affordable Care Act (ACA), AFI provides marketplace insurance plans that cover some or all the costs of drug and alcohol rehab programs. If you have AFI health insurance and are searching for a substance abuse treatment facility that is covered by your plan, American Addiction Centers (AAC) is here to help.

American Addiction Centers (AAC) strives to provide you with the most updated information on each carrier’s addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.


Does American Family Insurance Cover Addiction Treatment?

Private insurance plans with American Family Insurance (AFI) will cover substance abuse treatment to varying degrees. The 2014 Affordable Care Act (ACA) placed strict rules on private insurance, guaranteeing that plans cover drug and alcohol abuse treatment to the same extent that they cover other medical issues.2  This means that if your AFI plan covers 60% of your medical expenses, it must also cover 60% of your addiction treatment costs.

The ACA requires all health insurance plans to cover behavioral health treatment (e.g., psychotherapy and counseling), mental health inpatient services, and substance use disorder (SUD) treatment.2

The ACA also improved access to SUD services by requiring private companies like AFI to cover substance abuse screening, for the most part. There’s a very good chance that your particular AFI plan covers addiction screening and assessment services, which will help you determine the extent of your drug and alcohol problem.

The financial responsibility you have for your treatment will depend on the state you live in, the healthcare plan you have, the treatment you need, and if you choose an in-network or out-of-network facility. No matter what rehab facility you choose and what insurance policy you have, you will likely be responsible for paying some out-of-pocket costs.

The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.


Different Types of Substance Abuse Treatment Covered by American Family Insurance

With most FI plans covering at least some of the costs of treatment for drug or alcohol addiction, the types of treatment can vary in intensity and frequency. Types of addiction treatment may include:5,6

Medical Detox

Medical detox helps you withdraw safely from drugs and alcohol. Under 24/7 medical supervision, staff will work closely with you—and may prescribe medications to help ensure that you withdraw safely and that your symptoms are addressed as needed. You can look for medical detox facilities near me to find out more.

Inpatient or Residential Treatment

With residential inpatient programs, you receive treatment and live at the facility. Inpatient treatment typically involves group and/or individual therapy. It is often recommended for individuals with co-occurring (dual diagnosis) mental health issues, limited outside support, home environments that don’t lend themselves to sobriety, and poor treatment outcomes in the past.

Partial Hospitalization Program (PHP)

These programs allow you to live at home throughout treatment and spend your days at the treatment facility. This is sometimes referred to as day treatment.

Intensive Outpatient Program (IOP)

Intensive outpatient programs typically involve attending drug and alcohol treatment programs approximately 3 evenings a week. People in these programs can live at home and go to work during the day.

Outpatient Treatment

An outpatient facility lets you meet with doctors and therapists, and you can even attend group sessions and recovery meetings before heading back home at the end of the day. With a residential program, you get the chance to focus solely on your recovery without any daily tasks getting in your way or slowing down your progress.

When you decide to get treatment for a drug or alcohol addiction, you will need to decide what type of rehab treatment is best for you.

How to Check Your American Family Insurance Rehab Coverage 

Before choosing the right rehab treatment center for you, check your AFI policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card or log in to your account on AFI’s website to learn more about what your specific policy plan covers.

Knowing exactly what your American Family Insurance plan covers can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles.


Drug and Alcohol Rehab Centers That Take Insurance

Rehabs.com, a subsidiary of American Addiction Centers, can help you or your loved one find a substance abuse treatment facility that will meet your requirements. You may be looking for a treatment center that is near you or one that is out of State. If you have insurance, we may be able to get into one of our drug and alcohol rehab centers as we have relationships with various insurance companies. Some of our rehabilitation facilities that take insurance in various states include:

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






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Sources

  1. American Family Insurance. (n.d.). About Us.
  2. Healthcare.gov. (2021). Mental Health and Substance Abuse Coverage.
  3. American Family. (2020). Health insurance coverage for individuals, families, and groups.
  4. American Family. (2020). Health FAQs.
  5. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
  6. National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.

More resources about American Family Insurance Coverage for Drug and Alcohol Rehab: