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Health Insurance Coverage for Private and Luxury Rehab Centers

With the passage of the Affordable Care Act (ACA), people are able to have increased access to substance use disorder (SUD) treatment. All insurance plans now must cover behavioral and mental health treatment, which includes substance abuse treatment, at the same level as they cover medical and surgical procedures.1,2

There are various treatment facilities available, and some of those facilities are luxury treatment centers. Luxury drug and alcohol addiction rehab programs are typically inpatient programs that provide quality addiction treatment with high-level amenities.


What is Private Health Insurance?

Private health insurance is insurance that is provided by privately owned insurance companies rather than by government-run insurance programs (including Medicare and Medicaid). Plans obtained through your employer and those purchased outside of the workplace in the individual or family health insurance market fall under the private health insurance umbrella.3 There are a variety of types of private health insurance available.


Checking Your Insurance Benefits

If you are worried that you or your loved one is struggling with addiction, it can feel overwhelming to look for help. As you consider your options, knowing exactly what your 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 what your insurance plan covers, call AAC at click here, or fill out the form below.


What Type of Treatment is Covered by Private Health Insurance?

Getting the proper addiction treatment is important 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.

What is Private Drug and Alcohol Rehab?

Private drug and alcohol rehab is treatment in a facility that is run by a private organization rather than a government-run program. Private rehab programs are funded through private sources—typically fees from people who are obtaining treatment. Because funding is through private sources, the programs often have greater financial resources and can offer a wider range of treatment options and amenities. Private rehabs may have a higher cost, and may not be covered by insurance, but with lower staff-to-patient ratios, more personalized care, and high-level amenities, the cost may be worth the investment.


Does Health Insurance Cover Private Rehab?

Health insurance may cover at least a portion of private rehab, but the amount depends on your individual insurance plan. While not all private facilities may accept insurance, a large percentage of private for-profit private facilities do, with 77.8% accepting private health insurance in 2020. Private nonprofit facilities also may accept private insurance, and they have a greater likelihood of accepting Medicare and Medicaid.6


Private Rehab Centers That Take Health Insurance

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs or accept your insurance. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs.

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a private insurance plan, the following AAC facilities may accept your plan for drug and alcohol addiction rehab. These AAC facilities include:


What is Luxury Drug and Alcohol Rehab?

Luxury rehab is similar to other types of drug and alcohol addiction rehab in many ways, including the incorporation of inpatient and outpatient treatment opportunities, detox, therapy, and aftercare. In addition to those treatment programs, luxury rehab may include high-end amenities, potentially smaller sizes, more personalized treatment, holistic programs, and privacy.


Does Health Insurance Cover Luxury Rehab?

Health insurance may cover luxury alcohol and drug rehab, but it depends on your individual insurance policy. As long as a facility is in network with your plan then at least some of your treatment will be covered. If you select a luxury rehab that is not in network, you will be required to pay a larger portion of the cost, if not all of it.

To find out if your insurance plan covers treatment at a luxury rehab, contact one of our admissions navigators at .


Luxury Rehab Centers That Take Health Insurance

The term “luxury” can be ambiguous. What may be considered luxury to some may not be viewed the same way by others. So, when you are looking for a rehab facility, make sure to understand your own needs so you can choose the right program for you.

One area that sets luxury rehab apart from other rehab programs is the amenities that may be offered. Potential amenities may include:

  • Outdoor activities, including swimming, tennis, hiking, horseback riding.
  • Exercise programs and facilities.
  • Gourmet meals.
  • Meditation classes.
  • Massage.
  • Acupuncture.
  • Spa treatments.
  • Private rooms.

What If I am Not Covered by Insurance?

While insurance companies are required to cover at least some of your SUD treatment, not all types of treatment are covered. So, while you may have a specific program you are interested in for treatment, it may not be covered under your personal insurance plan. If that is the case, you can either find another treatment program that your insurance plan covers, or you can pursue treatment outside of your insurance plan.

Contact one of our admissions navigators so that they can provide you with the answers to any questions you may have about the programs and amenities your insurance covers. Additionally, if you choose to pursue treatment beyond your insurance, you can read about alternative strategies for going to rehab.


Sources

  1. Abraham, A.J., Andrews, C.M., Grogan, C.M., D’Aunno, T., Humphreys, K.N., Pollack, H.A., Friedmann, P.D. (2017). The Affordable Care Act Transformation of Substance Use Disorder Treatment. Am J Public Health, 107(1): 31-32.
  2. Healthcare.gov. (n.d.). Mental health & substance abuse coverage.
  3. Healthinsurance.org. (n.d.). What is Private Health Insurance?
  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.
  6. Substance Abuse and mental Health Administration. (2020). National Survey of Substance Abuse Treatment Services: 2020.

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