American Family Insurance (AFI) has been around since 1927. AFI offers 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.1Â
Does American Family Insurance Cover Addiction Treatment?
Private insurance plans with American Family Insurance 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 misuse treatment to the same extent that they cover other medical issues.2 Â 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 that all health insurance plans 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 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. Regardless of what rehab facility you choose and what insurance policy you have, you will likely be responsible for paying some out-of-pocket costs.
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.