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Payment Options

Addiction treatment is a life-changing investment in your health and happiness. At American Addiction Centers, our success rates for abstinence a year after treatment are 2x the industry average.

We offer the following options - which might be able to be combined - to help you pay for care:

Option #1

Health Insurance

American Addiction Centers (AAC) accepts many insurance plans to help cover addiction treatment.
  • We'll instantly check the coverage offered by your insurance provider.
  • You may receive treatment at one of our facilities at a reduced rate.
Option #2

Financing & Private Pay

Depending on your situation, we may be able to provide financing options and payment plans.
  • We accept Visa, MasterCard, American Express and Discover.
  • To determine your costs, please call to speak with our admission navigators.

See if You’re Covered

With a few details, we are able to connect with insurance providers across the country to instantly provide you with your coverage information.

AetnaBlue Cross Blue ShieldCignaUnited Health GroupKaiserHumana
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Find Insurance Carrier
*
Aetna
First Name
*
John
Last Name
*
Smith
Date of Birth
MM/DD/YYYY
Phone Number
*
(555) 555-5555
Email
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jsmith@mail.com
Policy Membership ID
WXY1030Z0
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Frequently Asked Questions
When do I Need to Pay for Rehab?
When you pay for rehab will depend on a variety of factors, including how you pay for rehab, how long you will be going to rehab, and more. If you are paying for rehab out-of-pocket, or as a “private pay” patient, your rehabilitation center will likely set up a payment plan with you that fits your needs. If you are using private health insurance to pay for rehab, you may only have to pay for rehab if you still owe a copay or deductible, or after your rehab bills your insurance company.
Can I Go to Rehab with No Insurance?
Yes, you can attend rehab with no private health insurance. There are plenty of options for those needing rehab who do not have insurance, including cash or self-payment, Medicaid, and more. In 2019, the mostly commonly accepted payment types at rehabilitation centers were cash or self-payment (90 percent), private health insurance (73 percent), and Medicaid (68 percent). Some treatment centers also reported accepting state-financed health insurance plan other than Medicaid (49 percent), federal military insurance (38 percent), Medicare (37 percent), and IHS/Tribal/Urban funds (12 percent).
Are There Extra Costs at Rehab?
Some rehabilitation centers may offer additional optional services that require an extra payment to utilize. Often, these optional services are of the luxurious nature and may consist of experiential therapies or luxury features.
What is AAC’s 90 Day Promise?
AAC’s 90-Day Promise exists to translate our commitment to our patients and our investment in their long-term sobriety. When you invest in your sobriety by attending an American Addiction Centers facility and successfully complete 90 consecutive days at this rehab, we believe that you have created the most solid foundation for your long-term goals of sobriety. In the event that you experience a relapse, you are welcome back for a complimentary 30 days of treatment.
Are There Government & State Funded Assistance Options?
Yes, there are some state-funded options for those who wish to utilize Medicare or Medicaid coverage to receive addiction treatment.
Which Insurance Companies Can Cover Rehab?
Most private insurance policies, such as Aetna, Blue Cross Blue Shield, Humana, United Healthcare, and more, will cover some form of addiction treatment. The breadth of your personal coverage will depend on your particular policy, the rehab center you attend, and more.
Can I Use Retirement Account Withdrawals to Cover Rehab?
Yes, retirement account withdrawals can be performed prematurely (before the age of 59 1/2) to pay for medical expenses, such as drug and alcohol rehabilitation. You can borrow up to $50,000 you’re your 401(k) or other workplace retirement plan, or half the balance in your account (whichever is less). However, this will eventually entail gradual repayment with interest into your own account.