Drug and Alcohol Rehab Covered by Oscar Health, Inc.

Oscar Health, Inc. covers drug and alcohol addiction treatment through its partner, Optum Behavioral Health.³ You can visit the Optum website to search for an in-network provider and find the care you need.³ Depending on your specific plan, you may receive a portion or complete Oscar Health, Inc. coverage for addiction treatment.

The Affordable Care Act (ACA) protects your access to essential health benefits (EHBs), including addiction and mental health care.⁴ This law requires that all marketplace plans cover EHBs to some degree.⁴ With increased SUD treatment accessibility in the United States, the ACA ensures you have options to find the help you need. Still, your specific amount of coverage depends on your insurance plan.

Understanding your health insurance policy can simplify finding the best care for you. Our admissions navigators can help you get the most out of your coverage. Contact American Addiction Centers to verify your insurance and learn more about your benefits at .

Recovery is different for everyone.⁵ What works for someone else may not work for you.⁵ That’s why multiple levels of care are available to meet you where you are in recovery. 

Here are some common types of addiction treatment you may receive coverage for with Oscar Health, Inc.:⁵

• Medical detox. People complete detox to eliminate substances from their bodies safely. It involves 24/7 medical supervision and monitoring throughout the withdrawal process. Depending on your situation, you may receive medications to ease cravings and withdrawal symptoms.
• Inpatient or residential rehab. Inpatient rehab provides a structured, supportive living environment with 24/7 attentive care. Patients participate in therapeutic interventions, such as individual and group therapy, addiction education, and peer support, to develop coping skills for long-term recovery.
• Outpatient programs. With outpatient programs, you live at home while attending rehab. These levels of care offer similar treatment approaches to inpatient rehab. Outpatient programs vary in intensity, from daily treatment to less intensive programs.
• Addiction aftercare. Mental health professionals recommend remaining in aftercare once completing an initial program.  Some common aftercare services include ongoing therapy, 12-Step programs, and sober living homes.

Generally, many begin treatment in detox before transitioning to another level of care.⁵ Depending on your situation, the next step in your journey could be inpatient rehab, a partial hospitalization program (PHP), a high-intensity outpatient (HIOP)/intensive outpatient program (IOP), or standard outpatient treatment.⁵ Once completing treatment, you’ll start addiction aftercare to stay on track in recovery.⁵

Your doctor or addiction specialist can help you understand the best level of care for you. Mental health professionals use the American Society of Addiction Medicine (ASAM) criteria as a guideline for the placement, transfer, and discharge of those seeking addiction and co-occurring disorder treatment.⁶ This criterion is a continuum of care ranked 0.5 to 4, from early intervention to inpatient rehab.⁶ Before starting treatment, you’ll complete an assessment and evaluation to diagnose your SUD and determine appropriate care.⁵

Using Oscar Health, Inc. coverage for rehab is straightforward. Oscar’s digital tools, such as their mobile app and website, make it easy to find in-network providers and facilities specializing in addiction treatment.¹ You can contact Oscar Health, Inc. to learn more about the specific details of your policy and verify your addiction treatment coverage levels.¹ Oscar Health, Inc. also provides an online patient portal where you can search for information on your plan.¹

Additionally, American Addiction Centers (AAC) admissions navigators can verify your insurance online or by phone at and answer your questions about seeking addiction treatment. You can also enter your insurance information into our online form for instant coverage information.

Many struggle with mental health disorders, like anxiety, depression, post-traumatic stress disorder (PTSD), and schizophrenia, along with addiction.⁷ This is known as co-occurring disorders or dual diagnosis. Addiction may occur from attempting to cope with the symptoms of mental health disorders using drugs or alcohol.⁷ Prolonged substance use can also encourage the development of mental health disorders.⁷ A rehab covered by Oscar will often treat co-occurring disorders. 

Regardless of the situation, mental health experts recommend treating both conditions in tandem to promote long-term recovery.⁷ Without a blended approach, these underlying disorders can negatively affect your recovery journey.

AAC facilities treat co-occurring disorders with an integrated approach of evidence-based therapeutic interventions. You’ll benefit from comprehensive care with an individualized treatment plan that addresses both conditions at the same time.

Embarking on your recovery journey can be the beginning of a happier, healthier life. Once you understand the right level of care for you, you can begin searching for a treatment center. Finding the best care for you takes research and consideration. Be sure to put your needs and recovery goals at the forefront while contacting facilities.

Treatment directories like recovery.org give you the tools to find different levels of care. You can tailor your search to your specific needs and preferences, search by location, and more. Furthermore, you can instantly check insurance benefits offered by your insurance provider.

Our AAC admissions navigators are here to guide you through the process. The admissions process can seem overwhelming, but it starts with just one call. During your initial call with AAC, you’ll often discuss basic information, such as insurance and contact information. You’ll also talk about your treatment goals, mental health status, pre-existing medical conditions, and physical limitations during the pre-screening. This can help the admissions navigator understand a suitable match for you.

This call is the perfect time to ask questions about the treatment process and what to expect. Our admissions navigators can also help you find a rehab that takes Oscar and discuss how to use Oscar Health, Inc. coverage for addiction treatment.

If you or a loved one are struggling with addiction or dual diagnosis, various options for support and encouragement are available. Evidence-based interventions, like cognitive behavioral therapy (CBT), motivational interviewing (MI), relapse prevention training, and medication-assisted treatment (MAT), can help you build coping skills to promote sustained recovery.⁵ Contact an AAC admissions navigator to learn more about addiction treatment, Oscar coverage for rehab, and how to start your recovery journey at .

1. Oscar. (n.d.). Individuals.
2. Oscar. (n.d.). About us.
3. Oscar. (n.d.). FAQs.
4. Healthcare.gov. (n.d.). Affordable Care Act (ACA).
5. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (third edition).
6. American Society of Addiction Medicine. (2024). About the ASAM criteria.
7. National Alliance on Mental Illness. (n.d.). Substance use disorders.