Alcohol Rehab with Insurance
Fortunately, the majority of PPO health insurance plans provide partial or full coverage for drug rehab and alcohol rehab.
The perceived barrier to treatment prevents many people addicted to alcohol, prescription medications, or illicit drugs from accessing the structured therapy they need. The latest data published by SAMHSA (Substance Abuse and Mental Health Services Administration) shows that 40 million U.S. adults had substance use disorder in 2020 and only 2.4 million engaged with any form of treatment. The same data indicates that only 2 million people went to alcohol rehab in 2020, while 28.5 million reported alcohol use disorder in that year.
Rehab might be effective for treating most addictions, but it can also be expensive to get the level of care you need. Explore whether or not you can meet the costs of drug or alcohol rehab with health insurance.
Does Health Insurance Cover Rehab?
Due to the significant treatment gap in the United States, the ACA (Affordable Care Act) was enacted in 2010 with three main goals in mind:
- Expanding the Medicaid program.
- Increasing accessibility to affordable and effective health insurance.
- Supporting innovative treatment delivery methods like virtual rehab to further reduce the costs of healthcare.
All insurance plans, whether individual or group plans, most now offer coverage for ten essential health benefits. Treatment for substance use disorder (addiction) and mental health disorders is deemed essential.
The ACA also mandates that health insurance providers offer the equivalent coverage to that offered for surgical care or general medical care.
Some insurance plans may meet the full cost of a supervised clinical detox followed by 30 days in an inpatient treatment facility. Other plans may only provide partial coverage for outpatient therapy. The extent of coverage will depend on many variables, including the severity of your addiction and the specifics of your health insurance plan.
Recovery is a lifelong process, so you should not rush the process. Take your time to choose the right drug and alcohol rehab offering an appropriate environment and interventions for your needs. Once you have a shortlist of treatment providers, you can then further explore whether you can meet at least some of the costs with a PPO health insurance plan.
How Can I Determine if My Health Insurance Plan Covers the Costs of Rehab?
Consult your health insurance provider directly to assess your coverage for drug and alcohol rehab. Your insurer should inform you about the extent of coverage and whether you are eligible for a medical detox covered by insurance.
These insurance providers and more offer at least partial coverage for addiction and mental health treatment:
- United Healthcare
- Blue Cross and Blue Shield
Does Insurance Cover Alcohol Rehab?
Health insurance providers are compelled by the Affordable Care Act to cover the costs of alcohol rehab. Benefits will vary depending on the state and the provider.
Most major health insurers will meet at least some of the following costs:
- Medical detox services
- Outpatient treatment
- Medically-managed residential care if essential
- Behavioral interventions (psychotherapy and counseling)
- Dual diagnosis treatment
Does Insurance Cover Drug Rehab?
Many health insurance plans will provide the following coverage for drug addiction treatment:
- IOPs (intensive outpatient programs)
- PHPs (partial hospitalization programs)
- MAT (medication-assisted treatment)
- Short-term inpatient care for severe drug addictions
- Preventative counseling
- Peer support
- Ongoing counseling
What can you do if you are ready to move from active addiction into sober living and you want to meet the costs of therapy with health insurance? We can help you access the quality care you need with treatment centers happy to accept insurance as payment.
Treatment for Alcohol Addiction with Insurance at Drug Rehab Centers
If you are ready to reclaim your life from addiction to alcohol, we can help you access affordable addiction treatment throughout Southern California at Drug Rehab Centers.
We can connect you with a variety of reputable rehabs happy to accept insurance as payment for inpatient or outpatient treatment.
To initiate your recovery, you may require a supervised medical detox. With medications and continuous care, this will streamline detoxification and withdrawal while reducing the likelihood of complications. We can help you find licensed medical detox centers near you where you can use health insurance as payment for treatment.
Once you are detoxed from alcohol – this typically takes about a week – we can help you select the most appropriate treatment program, whether residential rehab or some form of outpatient therapy.