Inpatient Mental Health Treatment Covered by Lucet

Updated Jul 22, 2025

Nearly 1 in 5 U.S. adults experiences a mental illness each year.¹ Finding the right treatment can feel overwhelming, but support is available. Lucet is a behavioral health partner that helps members of select health plans access mental health and substance use services.² On this page, we’ll explore how Lucet insurance coverage for mental health rehab works and how to start the recovery process.

* These fields are required

If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

Does Lucet Cover Inpatient Treatment for Mental Health?

Yes, Lucet typically covers inpatient mental health treatment for eligible members.³ As a behavioral health partner, Lucet works with specific health plans to connect individuals to various mental health and addiction services.³ Covered levels of care may include:⁴

Inpatient hospitalization.
Residential treatment.
Partial hospitalization programs (PHPs).
Intensive outpatient programs (IOPs).
Standard outpatient treatment.

The exact coverage depends on your health plan, whether the services are medically necessary, and whether prior authorization is required.^3,4

Thanks to the Affordable Care Act (ACA), most insurance plans must include coverage for essential health benefits, including mental health and substance use disorder (SUD) services like inpatient rehab.⁵

Inpatient treatment provides 24/7 support in a structured setting, often including evidence-based care, individual and group therapy, and medical supervision.⁶ This level of care can be ideal for people with severe symptoms or safety concerns that outpatient treatment alone can’t address.⁶

Which Mental Health Conditions Does Lucet Cover?

Lucet mental health rehab coverage can include treatment for a wide range of conditions. The extent of coverage you receive will depend on your plan’s benefits, your state’s insurance laws, and whether your provider is in-network. Common conditions typically covered under Lucet coverage for mental health treatment include:¹

Anxiety.
Bipolar disorder.
Depression.
Post-traumatic stress disorder (PTSD).
Attention-deficit/hyperactivity disorder (ADHD).
Obsessive-compulsive disorder (OCD).
Schizophrenia.
Borderline personality disorder.

How to Use Lucet For Mental Health Treatment & Rehab

Using your Lucet insurance coverage for mental health rehab starts with understanding your benefits. Co-pays, deductibles, and in-network providers affect how to pay for rehab and what your out-of-pocket costs for mental health treatment will be.

Getting clear on these details can help you avoid surprises and feel more confident as you begin treatment. Here are a few ways to verify your Lucet mental health rehab benefits:

Call member services: Use the number on the back of your insurance card to speak with a representative who can explain your plan and check your Lucet coverage for mental health treatment.
Visit the Lucet website: Some health plans working with Lucet offer online portals for reviewing benefits or chatting with a live representative.
Speak with a Lucet care manager: Lucet offers 24/7 access to licensed care professionals who can assess your needs and guide you through the next steps.
Contact a treatment facility: Many mental health and addiction rehab centers can verify your insurance and provide a breakdown of costs.

Lucet Coverage for Co-Occurring Disorder Treatment

Many people experience both a mental health condition and a substance use disorder (SUD) at the same time.⁷ In some cases, substance misuse may lead to the development of a mental health disorder. In others, people may self-medicate mental health symptoms with drugs or alcohol, which can lead to SUD.⁷

Regardless of how co-occurring disorders develop, experts recommend treating both conditions simultaneously to support long-term recovery.⁷ Since the Affordable Care Act (ACA) considers mental health and addiction treatment essential health benefits, your insurance should provide at least partial coverage for co-occurring disorder treatment.⁵

Start Your Recovery

Seeking mental health treatment is a brave first step to improving your overall well-being. We’re here to help you every step of the way.

If you’re ready to find addiction treatment options for yourself or a loved one, get started with our free nationwide rehab search tool. Find addiction treatment facilities that take insurance, rehabs that allow pets, outpatient rehab programs, same-day admission rehab facilities, and more.

Sources

National Alliance on Mental Illness. (n.d.). Mental health conditions.
Lucet. (n.d.). Home page.
Lucet. (n.d.). Frequently asked questions.
Lucet. (n.d.). What type of program do I need?
HealthCare.gov. (n.d.). Health benefits & coverage.
FindTreatment.gov. (n.d.). What to expect.

Rehabs That May Accept Lucet Insurance

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.

View All Facilities

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