Insurance Coverage

Last updated on June 2nd, 2020

The Affordable Care Act (ACA) lists drug or alcohol addiction services as 1 of 10 categories of essential health benefits, which means that any insurance sold on the Health Insurance Marketplace must cover treatment.1 Insurance companies are required to cover certain basic health services, which include the treatment of mental and behavioral health conditions as well as substance use disorders (SUDs). Additionally, the Mental Health Parity and Addiction Equity Act (MHPAEA) ensures that all private insurance plans cover substance abuse treatment to the same degree that they cover other medical issues, so you can expect equal levels of coverage for both.2

In addition, insurance companies cannot deny coverage for any pre-existing conditions, including SUDs.3 This means that you can apply for insurance coverage regardless of what stage of recovery you are in. Insurance can help dramatically reduce what you might otherwise have to pay for detox and substance abuse treatment.

Rehabs.com, an American Addiction Centers resource, has a relationship with various insurance companies and may be able to help you get into one of our treatment centers. To find out if you have coverage, give us a call +1 (888) 341-7785 or use our payment options form.

(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by any insurance carriers.)

Looking for information about insurance and what it covers? Check out these pages.

Is there Insurance that Covers Substance Abuse Treatment?
Does My Substance Abuse Insurance Coverage Pay for Treatment
Frequently Asked Questions About Addiction Rehab


Find more information about what your insurance covers here:

Aetna
Does Aetna Substance Abuse Coverage Include Rehab and Detox
Aetna Insurance Coverage for Heroin
Aetna Insurance Coverage for Opiates/Opioids
Does Aetna Insurance Cover Therapy for Alcohol Abuse?


American Family Insurance
American Family Insurance
American Family Insurance Coverage for Alcohol
American Family Insurance Coverage for Opiates/Opioids
American Family Insurance Coverage for Cocaine


AmeriHealth
Does AmeriHealth Coverage Include Rehab and Detox?


Blue Cross Blue Shield
Blue Cross Blue Shield Insurance Coverage for Alcohol
Blue Cross Blue Shield Insurance Coverage for Opiates/Opioids
Need Help Finding Blue Cross Blue Shield Substance Abuse Providers?
Blue Cross Blue Shield Insurance Coverage for Cocaine
Blue Cross Blue Shield Insurance Coverage for Heroin


Cigna
Cigna Drug Rehab and Drug/Alcohol Detox Coverage
Questions About Cigna Addiction Treatment for Alcohol Abuse
Cigna Insurance Coverage for Opiates/Opioids
Cigna Insurance Coverage for Heroin


COBRA
COBRA Drug Rehab and Drug/Alcohol Detox Coverage


Community Health Choice
Community Health Choice Drug Rehab and Drug/Alcohol Detox Coverage


Coventry Insurance
Coventry Insurance Drug Rehab and Drug/Alcohol Detox Coverage
Coventry Insurance Coverage for Heroin


EmblemHealth
EmblemHealth Drug Rehab and Drug/Alcohol Detox Coverage


First Health Network
First Health Network Coverage for Rehab and Detox Treatment


Great West Insurance
Does Great West Insurance Provide Rehab and Detox Coverage


HCSC
HCSC Insurance Coverage for Alcohol
HCSC Insurance Coverage for Opiates/Opioids
HCSC Insurance Coverage for Cocaine
HCSC Insurance Coverage for Heroin


Health Net
Does Healthnet Cover Therapy for Alcohol Addiction or Abuse
Health Net Insurance Coverage for Opiates/Opioids
Does Healthnet MHN Include Substance Abuse Treatment?


Highmark
Highmark Coverage for Drug and Alcohol Rehab Treatment
Highmark Insurance Coverage for Alcohol
Highmark Insurance Coverage for Cocaine


HMO
HMO Insurance Drug Rehab and Drug/Alcohol Detox Coverage


Humana
What Does Humana Cover in Detox and Addiction Rehabs?
Does Humana Substance Abuse Coverage Include Alcohol Addiction
Does Humana Cover Counseling and rehab for Opiate and Opioid Addiction


Kaiser Permanente
Kaiser Permanente Rehab and Detox Treatment Options
Kaiser Permanente Insurance Coverage for Alcohol
Kaiser Permanente Insurance Coverage for Heroin
What Does Kaiser Insurance Cover in Opioids or Opiate Treatments
Kaiser Permanente Insurance Coverage for Cocaine


Magellan Insurance
Does Magellan Insurance Cover Rehab and Detox Treatments


MVP Health Insurance
Do MVP Health Insurance Plans Cover Rehab and Detox


UMR
Does UMR Insurance Cover Drug and Alcohol Rehab or Detox Treatments?


UnitedHealthcare
Insurance with United Health and Rehabilitation Center Options
UnitedHealth Insurance Coverage for Opiates/Opioids
UnitedHealth Insurance Coverage for Heroin
UnitedHealth Insurance Coverage for Cocaine


WellPoint Insurance
WellPoint Insurance Coverage for Alcohol
WellPoint Insurance Coverage for Opiates/Opioids
WellPoint Insurance Coverage for Heroin


Sources

  1. Office of National Drug Control Policy. (n.d.). Substance Abuse and the Affordable Care Act.
  2. Centers for Medicare & Medicaid Services. (n.d.). The Mental Health Parity and Addiction Equity Act (MHPAEA).
  3. HealthCare.gov. (n.d.). Mental health & substance abuse coverage.
Addiction can cost up to $200 per day.

What would you do with that money if treatment was affordable? Find out if your insurance covers treatment now!

See if you’re covered