Private health insurance is provided by privately owned insurance companies rather than 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.
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
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 your 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:1, 2
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 , verify your insurance online, or fill out the form below.
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:
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.
Health insurance may cover luxury alcohol and drug rehab, but it depends on your 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 the 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 .
The term “luxury” can be ambiguous. What may be considered a 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:
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.
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.