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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.







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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: