Does Insurance Cover Drug Rehab?
The cost of addiction treatment is one of the most common barriers to getting help. Most PPO insurance plans cover inpatient drug and alcohol rehab under the Mental Health Parity and Addiction Equity Act (MHPAEA). This federal law requires insurance companies to cover substance use disorder treatment at the same level as medical and surgical care.
Insurance Coverage for Addiction Treatment
The Mental Health Parity and Addiction Equity Act requires health insurance plans to cover substance use disorder treatment at parity with medical and surgical benefits. Most major insurance carriers — including Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, Ambetter, and Humana — cover inpatient substance abuse treatment.
PPO vs. HMO Coverage
PPO plans generally provide the broadest coverage for addiction treatment, allowing you to see out-of-network providers. HMO plans typically require referrals and restrict you to in-network providers. If you have a PPO plan, you likely have significant coverage for inpatient rehab. We work with most major PPO insurance plans.
What Insurance Typically Covers
Insurance coverage for inpatient rehab typically includes medical detoxification, residential treatment, individual and group therapy, psychiatric evaluation and medication management, drug testing, and aftercare planning. Coverage duration depends on your specific plan and medical necessity criteria.
Out-of-Pocket Costs
Even with insurance coverage, you may be responsible for deductibles, copayments, and coinsurance. Many treatment centers offer payment plans for out-of-pocket expenses. Some plans have annual out-of-pocket maximums that cap your total costs.
Free Insurance Verification
We verify your insurance benefits at no cost and with no obligation. Call (678) 257-3133 and our admissions team will contact your insurance provider, determine your specific coverage, calculate estimated out-of-pocket costs, and explain your benefits in plain language.
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