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American Family Insurance for Addiction Treatment

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 drug and alcohol 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 substance 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 substance abuse 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 substance abuse 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 treatment facility you choose and what insurance policy you have, you will likely be responsible for paying some out-of-pocket costs.


How to Check Your Insurance Benefits?

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. For more information on AFI plans and to check what your plan covers, call , click here, or fill out the form below.


What Are American Family Insurance’s Coverage Levels and Plans?

American Family Health Insurance has a number of health plans.3

  • Group health insurance: If you are covered through your employer, you likely have their group health insurance. A group insurance plan may have a specific network of care providers, and you may not be able to get coverage outside that network. Some group health insurance options do allow you to access medical care outside the network. It depends on the type of plan, and you’ll want to talk to your human resources department or insurance agent for details.
  • Short-term health insurance: AFI also offers short-term health coverage if you are unemployed or waiting for new coverage to kick in. These short-term plans may have limited benefits and don’t necessarily comply with the Affordable Care Act when it comes to required rehab coverage. These types of plans are best for protecting yourself from emergencies while you wait for a group or individual plan to begin.

If you want to buy coverage directly from AFI, there are individual health plans available. This is your best option if you are self-employed or don’t have coverage from an employer. Individual American Family Insurance health insurance plans work the same as group coverage but may cost more.

American Family Insurance, Medicare & Medicaid

American Family Insurance offers different types of health insurance, including Medicare supplement insurance, short-term plans, group health insurance, and supplemental products.

If you are eligible for Medicare, you may be interested in the AFI Medicare supplement.4 These plans allow you to keep original Medicare but help with deductibles and coinsurance costs. This is a great option for those who are concerned about the coinsurance with Medicare and want to keep things more affordable during their addiction treatment.


What Types of Addiction Treatment Does American Family Insurance Cover?

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

  • 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.
  • Inpatient or residential treatment: With inpatient treatment, 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 mental health issues, limited outside support, home environments that don’t lend themselves to sobriety, and poor treatment outcomes in the past.
  • Partial hospitalization: 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 programs: These programs typically involve attending 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 treatment is best for you.


Do Treatment Centers Need to Be In-Network?

In most cases, you will need to seek treatment at a facility that is in-network with AFI to receive your full benefits. Even if you choose a treatment facility that is in-network, you may still be responsible for some of the treatment costs.

If you choose a facility that is out-of-network, you may be responsible for all the costs of your addiction treatment. You may be able to discuss financing options such as a payment plan or scholarships offered by the facility.


How to Verify the Coverage of Your American Family Insurance Plan?

The cost of drug and alcohol addiction treatment will vary from person to person. It will depend on the treatment center, the type of program attended, and specific services received.

Before deciding on a rehab center, check your AFI policy benefits to determine which costs will be covered by your insurance plan and which will be out-of-pocket for you. Call the number on your insurance card or log in to your account on AFI’s website to determine how much you may need to cover in terms of copays and any deductible that must be reached before coverage kicks in for the services you need.

American Addiction Centers can also verify your insurance coverage for you. Visit our insurance verification page, enter your information, and you will immediately be able to see if the center you are considering is in-network with AFI. Or, call to speak to one of our admissions navigators to have them check your benefits and help you understand what is covered.


What Should I Do if AFI Won’t Cover the Total Cost of Rehab?

The cost of a treatment program will vary based on a number of factors:

  • Type of program.
  • Location.
  • Amenities.
  • Privacy.
  • Length of stay.

If your American Family Insurance policy does not cover all your rehab expenses, it’s important not to let that stop you from getting treatment. You don’t have to use insurance when you decide to check into rehab. There are many other ways to finance your treatment and get the help you need. Some ways to pay for rehab include:

  • Payment plans: You pay off rehab in affordable installments.
  • Sliding scale: The rehab decreases your cost to something you can reasonably afford—typically based on your income level.
  • Grants or scholarships: The Substance Abuse and Mental Health Services Administration (SAMHSA), as well as individual rehabs, offer grants and scholarships to pay for people who can’t afford treatment.
  • Purchase affordable insurance on the Healthcare Marketplace.
  • Open a healthcare credit card or take out a specialized healthcare loan.
  • Use your savings or a credit card.

Make sure to do thorough research when looking for rehab so that you can find one that meets your financial needs.

Here are additional resources that provide more information about other ways to pay for rehab with or beyond what AFI covers:

We know that finding a rehab center is a confusing task, but we’re ready to help you navigate through the world of treatment centers. Call one of our admissions navigators at if you’re worried about a loved one or you’re ready to take action to begin the process toward recovery.


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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 for Addiction Treatment: