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Sierra Health and Life Insurance Coverage for Drug and Alcohol Rehab

Sierra Health and Life insurance offers coverage for a range of healthcare services, including mental health and substance misuse treatment. If you or a loved one are struggling with drug or alcohol addiction and seeking treatment, Sierra Health and Life insurance may be able to help cover some or all of the cost of rehab.
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Sierra Health and Life Insurance Coverage for Drug and Alcohol Rehab

Finding addiction treatment coverage is critical if you are misusing drugs or alcohol. The sooner you begin the journey to recovery, the quicker you can start a brighter future. This article will assist you with accessing your Sierra Health and Life insurance for rehab.

Does Sierra Health and Life Cover Addiction Treatment?

Sierra Health’s drug and alcohol addiction treatment is covered under behavioral healthcare options (BHO).1 If you are dealing with drug or alcohol addiction, you can use your Sierra Health and Life coverage to seek rehabilitation.

The amount of coverage you have can vary 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 also vary from person to person, depending on the rehab center, the type of program attended, and specific services received.

Some of the services you can expect to see under your Sierra Health mental healthcare coverage are:1

  • Substance use services.
  • Inpatient services.
  • Outpatient services.
  • 24/7 crisis intervention services.
  • Educational tools and resources.
  • Crisis stabilization.

Depending on your addiction needs, you may need more than one of these services. Your treatment team will assist you in knowing what addiction rehab and recovery program is right for you.

Sierra Health and Life Plans and Levels of Cover

Your Sierra Health and Life substance abuse treatment coverage benefits offers 2 different plan types. These are Preferred Provider Organization (PPO) and Health Savings Account (HSA) compatible PPO plans.2 These are similar and can be explained as follows:

PPO plan: This plan allows you to access a wide range of medical and mental health solutions, and they will be covered as long as you use the network of providers. Treatment outside of the network is allowed but will be covered at a reduced rate.

HSA PPO: This type of plan is similar to the PPO plan, except you are given a lower monthly premium in exchange for an annual deductible. Once you meet the deductible, the coverage will kick in.

What Types of Addiction Rehab Does Sierra Health Cover?

Individuals who struggle with substance misuse and addiction have different needs and are at varying places on the journey to recovery. You might start out needing more intensive treatment services and then need something less intensive, such as outpatient therapy or aftercare services. You can check with Sierra Health for specific details about what your plan covers, but the levels of treatment that you can expect in rehab include:3

  • Medical detox: During medical detox, uncomfortable or potentially dangerous withdrawal symptoms will be monitored and managed by addiction professionals.
  • Residential inpatient treatment: An inpatient treatment program requires you to stay at the facility overnight for a period of time that is determined by your personal history and needs. You’ll have access to medical staff and clinicians who will monitor your vitals and provide therapy.
  • Partial hospitalization program (PHP): These programs provide intensive treatment for behavioral health issues without requiring an overnight stay. They typically offer more time in treatment than a standard outpatient program. You will stay at the facility for a good part of the week, receiving therapy and treatment services.
  • Outpatient treatment: Outpatient care varies in intensity and amount, depending on your personal history and needs, and can include programs such as intensive outpatient (IOPs). Outpatient care typically allows patients to go through treatment while living at home. It may also permit the patient to continue working or attending school while in treatment.

What Addiction Rehab Centers Take Sierra Health and Life Insurance?

Sierra Health and Life offers a wide array of in-network rehab centers. You can search the directory to find an addiction treatment center that covers your rehab needs. You can consider rehabilitation centers that are out-of-network as well, but coverage for out-of-network rehab will likely be higher than if you stayed in-network.2

What to Do if Sierra Health Won't Cover the Total Cost of Addiction Rehab

Sometimes health insurance won’t cover all rehab costs. There may be a deductible or copayment expenses. In this case, you do have other options. Be sure you contact the rehab treatment center to find out if they offer financial aid, sliding scale fee, or can arrange a payment plan with you. You can also talk to your family and friends about a small loan to help defray costs.

If you are unable to pay for these expenses, explore these pages for other options:

It’s critical to seek drug and alcohol rehab treatment as soon as you can. Now that you know how Sierra Health and Life coverage will assist with your rehab, you can take the first step to recovery.

Call to connect with a compassionate admissions navigator today. Together, we can help you rediscover a life of joy, fulfillment, and hope.

Check Your Sierra Health Drug and Alcohol Rehab Coverage

Going to therapy or detox for drug or alcohol addiction issues will put you on the path to greater well-being in life. However, if you’re not sure about your insurance benefits, you may feel worried about taking this step. It’s helpful to know exactly what your Sierra Health and Life plan covers so you can have peace of mind.

To find out exactly what type of rehab treatment is covered through your Sierra healthcare benefits, you can check your plan by calling , verifying your insurance online, or filling out the form below.


  1. Sierra Health and Life. (2021). Mental health and substance use benefits.
  2. Sierra Health and Life. (2021). How to use your health plan.
  3. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide.


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