Background Image

MVP Health Care Insurance Coverage for Drug & Alcohol Rehab

MVP Health Care is a regional, not-for-profit health insurer that provides care for more than 700,000 members in New York and Vermont. The goal of the company is to provide a wide range of health benefit plan options with the service and flexibility typically associated with smaller companies.1
Step 1/4 Check Coverage
* These fields are required
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

MVP Health Care and Addiction Treatment

If you have MVP Health Care insurance and are looking for alcohol and drug addiction treatment, you may have questions about what is covered by your insurance policy and the out-of-pocket expenses for which you may be responsible. Does MVP Health Care cover addiction treatment? The short answer is yes, MVP will cover at least some of your addiction treatment, but read on to learn more about MVP Health Care’s coverage of substance use disorders (SUDs).

Does MVP Health Care Cover Addiction Treatment?

If rehab is necessary for alcohol or drug addiction, MVP Health Care will pay for at least some of the program, or even the complete program, depending on the coverage level and other factors.2 The Affordable Care Act (ACA) requires that insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction), so MVP does cover addiction treatment.4 MVP insurance may cover a part of the cost of a rehab program, if not all of it.

To see if your insurance covers treatment at an American Addiction Center (AAC) facility, reach out to AAC’s compassionate admissions navigators 24/7 at . Let us assist you on your journey to a healthier, happier life.

MVP Mental Health and Substance Abuse Coverage

MVP has entrusted ValueOptions to handle matters regarding substance abuse services.3 ValueOptions provides mental health and substance abuse benefits for MVP, as MVP has contracted with ValueOptions and its treatment providers to develop and maintain a provider network.3 ValueOptions will be the one to answer coverage questions and provide information regarding accepted treatment facilities.3 The length and type of rehab program required will vary depending on the needs of the recovering addict.

Tailored Drug and Alcohol Rehab Treatment

MVP makes sure to have individualized plans that meet each person’s needs as they pursue treatment, and many treatments are covered by MVP plans.2 When seeking rehabilitation from an addiction to drugs or alcohol, it’s always important to check with your insurance provider to see what’s covered under your plan.

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.

Do Rehab Centers Need to Be In-Network to Accept MVP Health Care Insurance?

In-network providers have a contract with the insurance carrier to offer services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network facility. In some cases, you may even be responsible for the full cost of rehab if you choose an out-of-network facility.

Whenever possible, try to choose a facility that is in-network with MVP Health Care. If you are unable to find an in-network provider or prefer a facility that is out-of-network, you may be able to work out a payment plan with the facility so you can pay back the cost of treatment over time.

Addiction Rehab Coverage Levels and Plans for MVP Health Care

There are various health plans available through MVP Health Care. Those plans include various types of plans that fall under bronze, silver, gold, and platinum. Rates and copays vary depending on which plan you select. Plans also vary based on where you live. For individualized information about the plans you can obtain through MVP, visit their website.

How to Know What Your MVP Health Care Plan Insurance Covers

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 MVP 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 MVP’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 MVP. Or call to speak to one of our admissions navigators to have them check your benefits and help you understand what is covered.

Check Your MVP Health Care Rehab Coverage

It’s always best to be sure about what your healthcare benefits entail. You don’t want to be caught by surprise with unexpected financial costs. You may wonder if MVP Health Care covers drug or alcohol rehab, and the only way to really have the answer is to check your MVP health plan coverage.

Knowing exactly what MVP plans cover can give you peace of mind while you or your loved one is in rehab for addiction treatment. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. You can check your MVP Health Care coverage by calling , click here, or fill out the form below.

What Different Types of Addiction Treatment Does MVP Health Care Cover?

Getting the proper addiction treatment is essential for your recovery effort. The type of treatment plan you need will depend on the severity of your addiction and where you are in the journey to well-being. You might start out at one level of treatment and work way to another level, then continue until you don’t need treatment.

Some of the treatment programs you can expect to be covered may include:4,5

  • Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms.
  • Inpatient or residential care: Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
  • Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
  • Intensive outpatient program (IOP): Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
  • Outpatient treatment: Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at the treatment facility for therapy and support.

You need to request prior authorization for all elective inpatient admissions. Before contacting your insurance provider, a treatment plan will need to be determined between you and the counselor at the treatment facility.

You and the counselor will typically sit down in a private room and have a discreet and confidential conversation regarding your situation. The counselor will recommend the length of rehab stay that they believe is sufficient, and you can then proceed to get the duration of the treatment approved by MVP.

What Should I Do if MVP Health Care Won’t Cover the Total Cost of Rehab?

If your insurance plan won’t cover your rehab, don’t despair, because many facilities offer payment plans that will allow you to get the treatment you need. Government programs also offer aid to recovering addicts that can prove helpful. Many facilities will work with you to figure out how to have access to treatment and make it affordable.

There are other resources to help you cover the cost of rehab. You can check with the rehab facility for a sliding scale fee or payment arrangement. Additionally, some facilities offer financial aid or scholarships for treatment. If those options aren’t available, you could try to get a loan from family or friends.

Here are some resources that can help:

So, can you use your MVP Health Care insurance coverage for addiction treatment? Yes, you can! The specific details and how much the insurance pays for will depend on your plan and the provider you choose. However, there are options to help you pay if your insurance doesn’t cover the full cost.

What’s most important is that you can get the help you need to treat your addiction. There is a lot of information regarding health insurance that can be confusing and perhaps overwhelming. If you would like some help in sorting through this information to the get the addiction treatment you need, make sure to call your insurance company or speak to one of our admissions navigators today. They can outline the details of your plan and help guide your search.


  1. MVP Health Care. (n.d.). Our Story.
  2. MVP Health Care. (n.d.). Substance Use Disorders.
  3. ValueOptions. (2010). MVP Health Care Frequently Asked Questions/General Information.
  4. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
  5. National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.
Get the Care & Support You Need

Rediscover your joy during your stay at one of our American Addiction Center's facilities. We provide you the care you need to get clean and stay sober.

Call 888-341-7785

Guides for other health insurance providers