Insurance Carriers that Are Accepted at Addiction Rehabs
Health Insurers A - H
Health Insurers I - Z
Military Veterans
Using Insurance for Addiction Treatment
Overcoming drug and alcohol addiction isn’t easy, especially without professional help. Finding the right addiction treatment program can provide peace of mind and help you get the help you need to achieve and sustain recovery.1 If you're considering a treatment program, your insurance may cover some or all of the cost.
Does Insurance Cover Rehab for Addiction?
Most health insurance plans do provide some level of coverage for addiction treatment.2 Does medical insurance cover rehab completely? The cost of treatment will vary for each individual because of different factors, such as your plan, the rehab you attend, its amenities, the location of the rehab, and the length of your stay.
Those with health insurance should know that the Affordable Care Act mandates that all Marketplace plans cover mental health and substance misuse services as essential health benefits (EHBs).3 The federal government also requires that all Marketplace plans offer the same level of coverage for substance use disorder (SUD) and mental health treatment as they do for other types of medical and surgical care.2 However, each plan varies and substance use and mental health treatment benefits can vary depending on your state and your specific plan.3
Levels of Care Covered by Insurance
People in addiction treatment have varying needs, and there are different levels of care to help people throughout various stages of their recovery.8 While the treatment process can vary, it typically involves detox, rehab, and aftercare.9 Each level of care can have different costs depending on several factors, including the duration and intensity of treatment (such as 24/7 inpatient care versus outpatient rehab).
Does insurance cover rehab at all levels of care? That depends on the level of care or duration of treatment. Health insurance may cover some, most, or all of the cost, but again, this can vary depending on your plan.3
How to Find Out if Rehab Is Covered By Insurance
Before starting treatment, you should check your healthcare benefits to confirm your drug and alcohol rehab coverage. You can do this by calling the member services number on the back of your insurance card or using the online portal on your insurance website.
You can also confirm that American Addiction Centers treatment facilities take your insurance quickly and easily by using the form below.
Finding and Paying for Rehab Near You
Finding the right rehab can be an important step in regaining control of your life. If you or someone you love is struggling with addiction, you should start by consulting your doctor to have an evaluation and discuss the appropriate treatment setting for your needs. Entering addiction treatment, including detox, treatment, and aftercare, can help people attain and maintain sobriety and help them start living healthier, happier lives.9
Contact American Addiction Centers (AAC) at to speak with a knowledgeable admissions navigator, who can help you understand rehab, provide more information about how to get insurance to pay for inpatient rehab or outpatient treatment, and guide you through the admissions process. Alternatively, you can use the recovery.org directory to search for rehabs near you and instantly verify your insurance online.
Instantly find your coverage information
We'll be able to tell you if your insurance provider is in network with an American Addiction Centers treatment facility.
- Dual-diagnosis treatment centers.
- Personalized treatment plans.
- Financial options available.
Step 1/4 Check Coverage
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