Insurance & Cost

Does insurance cover rehab?

Almost always, yes. Federal law requires most plans to cover addiction treatment. The real question is how much yours covers, and that takes about five minutes to find out.

Free · Confidential · No commitment · Available 24/7

01What the law actually says

Two federal laws turned addiction treatment into a covered benefit.

2008

Mental Health Parity Act

If a plan covers mental health and substance use disorders, the limits, copays, and approval rules can't be stricter than the rules for physical health.

2010

Affordable Care Act

Substance use disorder treatment is one of 10 essential health benefits.

Translation: if you have insurance, your plan almost certainly covers some form of addiction treatment. The question isn't whether. It's how much.

02Coverage by plan type

What to expect from your plan.

Most common

Employer (PPO / HMO)

Strong coverage. Parity rules apply. Watch for in-network requirements and prior-auth.

Mandated

Marketplace (ACA)

Required to cover addiction treatment as an essential health benefit.

Military

TRICARE / VA

Full coverage for active-duty service members, veterans, and dependents.

Verify carefully

Short-term / catastrophic

Coverage varies wildly. Read the fine print, many exclude addiction entirely.

03Levels of care

What a typical plan actually pays for.

Coverage exists across the full continuum, not just 30-day rehab.

Medical detox
Inpatient stabilization for alcohol, benzo, or opioid withdrawal. Typically 3–7 days.
Residential / inpatient
30–90 day programs. Usually requires prior authorization based on medical necessity.
PHP & intensive outpatient
Day treatment and structured outpatient, often the best-covered option.
Medication-assisted treatment
Suboxone, methadone, naltrexone, Vivitrol, covered by most plans, often with low copays.
Therapy & counseling
Individual and group sessions, including dual-diagnosis care for co-occurring conditions.
Free VOB · 24/7

We'll check your coverage for you.

Send us your insurance info and we'll come back with what's covered, your out-of-pocket cost, and which facilities are in-network. No commitment, no hard sell.

  • 100% confidential, protected by HIPAA
  • No cost, ever
  • Most people get an answer in ~10 minutes
Prefer to talk? Call (866) 919-2378 , answered 24/7.
CallVerify my benefits