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Insurance Coverage for Rehab: Does Insurance Cover Rehab?

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Does Your Health Insurance Cover Substance Use Treatment?

Yes, health insurance plans will generally cover the cost of treatment for substance use disorder (drug and alcohol addiction) and mental health conditions. The particular health insurance plan that you have will determine how much of your treatment is covered by your insurance plan, as well as how much you will be required to pay out-of-pocket. It’s best to check with your insurance provider before trying to enter a treatment program for substance abuse issues to understand the details of what is covered under your plan.

Find out instantly if your insurance may be able to cover all or part of the cost of addiction treatment. Or call us today at You will speak with an admissions navigator, and they can help you through the verification process. American Addiction Centers can take the confusion out of contacting your insurance provider directly. Simply call us or fill in the form below and we can communicate with your insurance directly. By filling in our confidential form below, we can find out which treatment centers are in-network, we can advise you on the length of stay covered, and we can save you time and from the hassle of contacting your insurance company and/or looking through hard to understand insurance documents.

Insurance Providers and Rehab Coverage

Health insurance benefits are designed to make health care both affordable and accessible, and there’s no stigma attached to asking for help. People with addictions and insurance should use their coverage to the fullest in order to get the care they need to leave addictions behind for good. Talking to plan administrators is a great place to start, but remember that the staff of addiction treatment facilities can also be of vital help.

In some cases, they can smooth the path to payment, so families have one less thing to worry over as they recover. Explore more information about insurance providers and rehab coverage below. Call us at If you do not see your provider listed below, we may still be able to work with you or your insurance provider to find treatment.


Options With and Without Insurance






Common Types of Healthcare Plans and Benefits

The three most common healthcare plans are health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, and point of sale (POS) plans.4 Substance abuse treatment and recovery may be covered by your insurance provider. Learn more about which plan, HMO or PPO, offers the best coverage:





Cost and Coverage


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Rehabs That May Accept This 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.
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We know you have options when it comes to addiction treatment. That’s why American Addiction Centers goes above and beyond to help you achieve and maintain sobriety.

Frequently Asked Questions

How to bill insurance for substance abuse treatment?

People with addictions and insurance should use their coverage to the fullest in order to get the care they need. Talking to your insurance plan administrator by calling the number on the back of your insurance card is a great place to start. The staff of addiction treatment facilities can also be of vital help, easing the path to payment so families have one less thing to worry over as they recover.

How to get financial assistance for substance abuse treatment?

Financial assistance for substance abuse treatment can come from federal, state, and local governments. There are also grants available through SAMHSA, as well as insurance options for certain populations, such as veterans or low-income families. Read more.

What is the cost of outpatient substance abuse treatment?

Outpatient treatment for substance abuse can cover many different services and levels of care. It is recommended that patients work with their insurance provider and the rehab facility directly to determine their out-of-pocket expenses. Read more.

Can I Get or Change My Health Insurance Coverage After a Qualifying Life Event?

Certain life changes, referred to as qualifying life events, allow you to make changes to existing coverage or sign up for a new health insurance plan. These life changes include loss of health coverage, changes in your household, changes in your residence, and more. Qualifying life events include:
  • Losing existing job-based, individual, or student health coverage.
  • Losing eligibility for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP).
  • Turning 26 years old and losing health coverage under your parent’s insurance plan. Getting married or divorced.
  • Having a baby or adopting a child.
  • A death in your family that affects your health coverage.
  • Moving to a different zip code or county that changes your health plan area.
  • Moving as a student to or from the place where you will go to school.
  • Moving to or from the place where you live and work as a seasonal worker.
  • Moving to or from a shelter or other transitional housing.
  • Experiencing changes in your income that affect your qualifying coverage.
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder.
  • Becoming a U.S. citizen.
  • Leaving incarceration such as jail or prison.
  • Starting or ending service as an AmeriCorps member.
All situations are different, so these life events might require documentation—such as birth certificates, adoption records, marriage licenses, divorce papers, death certificates, rental agreements, or mortgages—to show that you have added family members, lost family members who provided the health coverage, or moved into a new health insurance plan area. These changes usually need to be done within 60 days of the life event, but check with you insurer on specifics.

Can I Have Multiple Insurance Providers?

Yes, you can have multiple insurance providers. When two (or more) health insurance plan providers cover the healthcare costs of one person, this is called coordination of benefits. You may have dual insurance coverage if:
  • You are married and covered under your insurance plan and your spouse’s.
  • You are under 26 years old and covered by your parents’ insurance and your own.
  • You are under 26 years old with divorced parents and are under both parents’ plan as a dependent.
  • You are over 65 years old and have coverage through your employer and Medicare. If you have two separate health insurance plans, one plan will be your primary coverage and the other is your secondary coverage. Your primary provider pays first – up to its coverage limits. Your secondary insurance will then step in and pay the remaining cost (partial or full) of the treatment(s). Even after secondary insurance pays, you may still have some out-of-pocket costs.
About The Contributor
Lindsay Curtis is a freelance health writer with 20 years of writing and strategic communications experience.

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