Check Coverage

Verify Your Insurance Coverage

Lookup Insurance
Provide Information
Receive Results
american addiction centers photo
Your information is safe & secure
Lookup Patient Insurance
Insurance Carrier
american addiction centers photo

Insurance Coverage for Outpatient Addiction

Last Updated: August 30, 2019

Does Insurance Cover Outpatient Addiction Treatment?

Outpatient treatment is offered in close to 10,000 rehab centers across the country. Many accept payments from insurance companies, but not all policies offer complete coverage. It is a good idea to work with an insurance navigator at the treatment center you have chosen, so you will be sure that the full scope of your treatment is covered by your policy.

There is a multitude of rehab options available to individuals affected by substance abuse, and quite a few ways to facilitate making rehab possible, too.

In 2013, the Substance Abuse and Mental Health Services Administration reported 22.7 million people needed help for drug or alcohol abuse, and just 2.5 million of those people got that help. Many failed to seek help or were left without access to it due to a lack of insurance coverage.

Fortunately, this is slowly changing in the United States as more insurance companies are covering addiction treatment. Still, even those policies that offer coverage may not offer the type of coverage an individual requires. It’s important to verify coverage before committing to a specific treatment plan, because insurance coverage does frequently come with limitations.

What Is Outpatient Addiction Treatment?

Outpatient treatment for addiction simply means that an individual travels to a rehab facility or clinic on a regular basis for care and then returns home afterward. Clients don’t stay overnight or live at a residential facility.

Outpatient care is most frequently recommended for individuals who need to continue with family or work responsibilities outside of treatment, and it is generally only an option for those who are considered to be low-risk clients. The risk of relapse for those in outpatient care is higher, since they return home each night and do not receive the 24/7 supervision available with inpatient care. As a result, outpatient treatment is not recommended for those with severe or long-term addictions.

Outpatient treatment is offered at 9,882 rehab centers across the county, per SAMHSA.

The typical treatment experience may include:

  • Medical detox
  • Therapy
  • Support group participation
  • Family counseling
  • Routine drug and alcohol screenings
  • Evaluation for mental health disorders
  • Employment assistance
  • Diet and exercise education
  • Skills groups

Paying for Outpatient Care

outpatient care
Many who seek outpatient care pay for treatment costs with health insurance. This is ideal since treatment costs can run into the thousands of dollars.

Still, many in need of addiction treatment don’t have health insurance. Combined data spanning from 2010 to 2013 showed that 31.4 percent of people who needed addiction treatment but didn’t get it cited lack of health insurance as the reason, according to SAMHSA.

There were 10.2 million people insured through plans under the Affordable Care Act as of March 2015, the U.S. Department of Health and Human Services reports. All plans offered under the direction of the ACA must cover substance abuse treatment, but the specific amount covered is variable.

Certain plans might have higher monthly premiums, but they cover treatment at or close to 100 percent. Others may only cover 70-80 percent of the costs, but monthly premiums are lower.

Deductibles tend to fall in line with the same pattern. Coverage for outpatient care is more common than coverage for inpatient treatment, and this comes down to cost. It is more expensive to live on site and seek treatment around the clock than it is to show up five days a week for a few hours of treatment. As a result, far more treatment centers offer outpatient care than inpatient care.

Verify Coverage

Coverage options can vary a great deal from one insurance plan to the next. It’s a good idea to work with an insurance navigator at the treatment center you’re interested in to make sure the full scope of treatment is covered by your policy.

Verify Your Insurance Coverage

american addiction centers photo
Your information is safe & secure.

Get a response instantly - for free.

What you need to get started:

Health Insurance Card

Let’s verify your coverage for treatment at an American Addiction Centers location. We promise to keep your information confidential.

All Fields Required

american addiction centers photo
This form is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
By submitting this form you agree to the terms of use and privacy policy of the website. When you enter your phone number and submit this form, you agree to receive texts from AAC. This consent is not a condition of purchase. Msg & data rates may apply.
*Insurance Disclaimer: American Addiction Centers will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” American Addiction Centers will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.
Outpatient treatment is a broad term, and some policies may not cover certain programs, such as holistic treatment options, exercise programs, and alternative therapies. It’s also wise for individuals to reach out to their insurance companies before enrolling in treatment anywhere and ask a few vital questions, such as:

  • Are there any specific drug treatment services or medications that aren’t covered?
  • How much of the bill is the insured party responsible for?
  • Is anything still owed on the deductible?
  • What duration of treatment will be covered?
  • Which facilities are in-network?

If an individual’s policy doesn’t offer sufficient addiction coverage, there are other options. A lot of facilities extend payment plan options to clients who need financial assistance.

Sometimes Medicaid can pick up the slack as a secondary form of insurance, too, for those who qualify.
Last Updated on August 30, 2019