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Does Insurance Cover Sober Living Homes?

If you struggle with substance misuse, you know that your recovery journey doesn’t end when you complete a formal treatment program. While many aftercare treatment options exist, some people find living in a type of recovery housing, such as sober living homes, can help support their ongoing recovery efforts.

Sober living homes offer a safe place to live while working to abstain from drugs or alcohol. Substances are not allowed, which can make it easier for you to focus on recovery. Because sober living homes are not funded by the state or any other government entity, you will likely need to use insurance or other means to pay for the cost.

What Are Sober Living Homes?

Sober living homes are designed for people recovering from drug or alcohol addiction.1 These group homes differ from a typical rehab treatment center in that they are generally not as intense or restrictive. With a residential inpatient program, you have close supervision; in a sober living home, you have the freedom to come and go when you want. Residents must abide by the sober living home rules and may be subject to drug testing. Sober living homes are ideal for people who have completed detox or an inpatient or outpatient program and are ready for more independence yet still want a degree of accountability and a strong support group.

Some of the characteristics of a sober living home include:2

  • A drug- and alcohol-free living environment.
  • Ongoing 12-step meetings such as Alcoholics Anonymous (AA).
  • Sober living home rules (e.g., drug testing).
  • Rent, utilities, and other costs.
  • An open door for residents to stay for as long as they want so long as they comply with the sober living home rules.

Does Insurance Cover Sober Living Homes?

Does insurance cover sober living? In many instances, insurance will not provide coverage for sober living homes. Through the Affordable Care Act (ACA), insurance providers must cover 10 essential benefits, which include treatment for substance use disorders.3 While sober living homes are designed to help people recover from addiction in a safe and supportive environment, they are not considered treatment facilities. However, it’s always best to check with your insurance directly to verify your plan’s specific coverage.

Does Insurance Cover Drug and Alcohol Rehab Treatment?

Although your insurance might not cover the cost of a sober living home, as stated above, the Affordable Care Act (ACA) requires insurance companies to provide coverage for the treatment of substance use disorders, which includes rehab. The amount of coverage you will receive is dependent on your specific policy.

Some of the drug rehab treatments that your insurance may cover include the following:4

  • Medical detox: Although not always necessary, a patient’s continuum of care may include medical detox. Some substances can cause uncomfortable and even dangerous withdrawal symptoms when a person abruptly cuts back or stops taking them. During medical detox, doctors provide care, monitoring, support, and medication as needed to help patients more comfortably and safely manage withdrawal symptoms.
  • Inpatient programs: Inpatient rehab programs allow patients to get help for addiction in a residential setting. Most inpatient programs involve a combination of group and individual therapy as well as other activities designed to support recovery.
  • Outpatient programs: Outpatient programs allow patients in recovery to live at home while attending treatment at a rehab facility during the day.
  • Intensive outpatient programs (IOP): IOPs are a form of outpatient program that involves more frequent treatment sessions than a typical outpatient program.
  • Partial hospitalization programs (PHP): PHPs offer a similar level of intensity to an inpatient program, but patients return home in the evening.
  • Aftercare: Aftercare programs help ensure patients maintain recovery and identify ways to prevent relapse. Part of aftercare planning may include finding a sober living home.

Check Your Rehab Coverage

Finding treatment for substance use can feel overwhelming but knowing beforehand exactly what your insurance will cover can give you peace of mind. You can call the number on the back of your insurance card and speak to a representative to find out exactly what your policy will cover or fill out the form below.

How to Find a Sober Living Home

Once you complete rehab, the staff at the facility can help you find a sober living home that meets your needs. You can also use our rehab directory. Simply enter your location and filter by “sober living home” for a list of results.

Learn more: Sober Living Homes Near Me

How Much Does a Sober Living Home Cost?

The Fair Housing Act and Americans with Disabilities Act work to ensure that sober living homes can exist and thrive in neighborhoods.5 These laws call for reasonable rental costs for a given area. For example, if the average cost to rent a room in your city is $550 per month, that would be the average amount you would pay for a sober living home.

Still, the cost of sober living homes varies based on several factors, including:

  • The location of the sober living home.
  • The room types offered (e.g., private or shared).
  • The amenities included (e.g., gym, pool, transportation to therapy).
  • The utilities.
  • How long you plan to live there.
  • If there are medical professionals on-site.

How to Pay for a Sober Living Home if Insurance Doesn’t Cover It

If you don’t have insurance to cover the cost of a sober living home, you still have options. The Substance Abuse and Mental Health Services Administration provides grants and funding for facilities to assist eligible individuals with sober living.6 You can also reach out to a sober living home to learn what types of assistance they may offer. Grants, scholarships, or self-pay discounts can help you cover the cost as well.

Learn more: How to Get Into Rehab Without Insurance

Learn More About Aftercare Programs for Substance Use

Addiction is a treatable disorder but doesn’t end after treatment is over.7 Living a drug-free lifestyle is a long-term commitment and aftercare is different for everyone. Counseling, 12-step meetings, and outpatient care are just a few of the common forms of aftercare that can help you maintain sobriety and live a fulfilling life.

If you are looking to learn more about addiction treatment or aftercare options such as sober living homes, you can contact our caring professionals 24 hours a day at .

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