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There are many types of insurance that offer coverage for addiction treatment and drug rehab. You can quickly check to see if your private health insurer covers addiction treatment. If not, there are still ways to get the treatment you need to overcome your addiction, such as the Affordable Care Act, Medicare, or Medicaid.
Nearby Rehab Centers Accepting Private Insurance
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Does the Affordable Care Act Cover Drug Rehab?
Passed in 2010, the Patient Protection and Affordable Care Act (ACA) was designed to give Americans more access to addiction treatment services. If the bill’s official title doesn’t sound familiar, you’ll likely recognize its informal title: Obamacare. The real power of the ACA comes in the form of massive coverage expansion, regulatory changes for existing insurance plans, and requiring insurance providers to evaluate alcohol and drug rehab needs in the same way they traditionally evaluate any other medical or surgical procedure. Obamacare gives you affordable access to a wealth of addiction treatments by forcing insurance companies to offer full or partial coverage for those treatments.
Many private insurers still don’t cover pre-existing medical conditions – alcohol and drug addiction being two common examples. Thanks to the ACA, however, insurance companies can no longer label drug or alcohol addiction as a pre-existing condition. And since it’s no longer considered pre-existing, they can no longer issue letters of denial for insurance coverage when someone needs to go to rehab for treatment.
You can buy your own ACA health insurance plan on the Health Insurance Marketplace at Healthcare.gov. It’s important to note, however, that some states actually have their own unique versions of the Marketplace. These state-run websites are totally separate from the federal Healthcare.gov site, with the main difference between the two being the amount of Medicare and Medicaid coverage each state offers.
ACA Addiction Treatment Insurance Reforms
Since insurance providers must now treat addiction as a typical medical procedure, the ACA requires insurance companies to cover addiction screening. They also have to provide addiction treatment coverage under all “Essential Health Benefits” packages, including all Medicaid expansion programs and qualified state plans found on state health insurance exchanges.
Coverage for ACA insurance plans include the following:
- Initial evaluation for addiction
- Addiction treatment medications
- Clinic visits
- Alcohol and drug testing
- Family counseling
- Medication-assisted treatment medications
- Medical detox programs
Insurance Plans Offered By Obamacare
Most insurance plans associated with the ACA fit into one of the following four categories – each of which offers a range of payment splits. When visiting the Marketplace, you’ll notice the following purchase options:
| Plan Category | Insurance Pays | You Pay |
| Bronze | 60% | 40% |
| Silver | 70% | 30% |
| Gold | 80% | 20% |
| Platinum | 90% | 10% |
Who’s Eligible For ACA Coverage?
Coverage eligibility for ACA is straightforward and has three basic requirements. To enroll, you must:
- Live in the United States
- Be a U.S. citizen or national
- Not be incarcerated
This federal tool can be used to calculate how much, if any, financial assistance you stand to gain through the ACA. As with all insurance plans, coverage amounts are subject to the provider’s terms and conditions.
Paying for Rehab With Medicaid And Medicare
Medicaid and Medicare are federally- and state-funded insurance programs. They may both cover part or all of your substance abuse treatment costs. Every state has different rules for eligibility and treatment coverage, and those rules can change annually. So, if you’ve been turned down for Medicaid or Medicare in the past, it’s possible you might be eligible now.
Medicaid For Drug And Alcohol Rehab
Medicaid is a publicly available insurance program for low-income families. After the ACA was passed in 2010, it forced insurance providers (including Medicaid) to provide coverage for all basic components of alcohol and drug addiction treatment.4
While Medicaid does cover substance abuse treatment, it’s worth mentioning that not all facilities accept the insurance as a form of payment.
Medicaid Eligibility
To qualify for coverage under the Medicaid program, applicants must be one of the following:4
- Over 65 years old
- Under 19 years old
- Pregnant
- A parent
- Within a specified income bracket
Some states offer Medicaid to all adults falling below a certain income level.
What Does Medicaid Cover?
Every state Medicaid program provides some level of coverage for addiction treatment, generally including:3
- Screenings
- Intervention
- Maintenance and craving medications
- Family counseling
- Inpatient care
- Long-term residential treatment
- Detox
- Outpatient visits
- Other mental health services
- Inpatient addiction treatment
- Outpatient addiction treatment
Medicare For Drug And Alcohol Rehab
Medicare is available to anyone over 65 years old and those with certain disabilities. The monthly cost is based on your income, meaning the less you earn, the lower your premiums.5
Medicare also covers inpatient alcohol and drug addiction treatment, as long as a doctor says it’s “medically necessary.” However, you must opt for treatment at Medicare-approved inpatient treatment facility. You’ll want to do some research in order to locate a facility that accepts Medicare.
Outpatient treatment falls under Medicare Part B, which includes partial hospitalization programs (PHPs). PHP programs allow you to attend a treatment center for intensive treatment and counseling during the day, but you’re able to return home at night.5
Medicare parts and their rates of coverage for addiction treatment include:5
Medicare Part A
Helps cover the cost for inpatient rehab. With Part A, you’ll receive coverage for up to 60 days without a co-insurance payment. You’ll be responsible for a deductible, however. Medicare will cover up to 190 days of inpatient addiction treatment in your lifetime.
Medicare Part B
Covers up to 80 percent of outpatient addiction treatment costs. This includes outpatient care, therapy, medications administered, and professional intervention services. Part B also covers treatment for co-occurring disorders.
Medicare Part C
Offers more benefits than standard Medicare alone. Out-of-pocket costs and the amount of coverage are different and may ultimately be more expensive.
Medicare Part D
Helps to cover the cost of medications required for addiction treatment. For example, medications are often needed to manage withdrawal symptoms and cravings.
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| Name / Address / Rating | Description | Treatments / Payments / Programs | Review / Contact | Images | |
|---|---|---|---|---|---|
Avenues Recovery Center at ClarksvilleAd This is an ad and Avenues Recovery Center at Clarksville is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More Clarksville, IN  Claimed | Avenues Recovery Center in Clarksville, Indiana, is an inpatient drug and alcohol detox and rehab center. They strive to provide individuals receiving treatment with a loving environment and attentive medical care. You’ll be away from toxic environments and triggers and have the opportunity to focus on developing life skills that will support you | Treatments Programs Payment Options  Alcoholism Mental Health And Substance Abuse Drug Addiction Opioid Addiction Substance Abuse Dual DiagnosisMental Health  Adult Program Young Adult Program LGBTQ Program Military Program  Private Insurance Self-Pay Options Medicaid Military Insurance | View Website (930) 203-1947 | 
Avenues Recovery center is a very good place love the staff love the facilitators love the case managers there’s a lot of good help here I am still involved with the alumi meetings I just love how were family love you avenues recovery center
Joshua Levi Johnson
1 day ago
Avenue staff was exceptionally considerate to all of my needs. Highly recommend if your truly searching for recovery.
Janezee Leezy
1 day ago
Really good place to go to
Angela Mccausland
1 day ago
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4 
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1
Top 10 Rehab in FL
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.67 / 10 Claimed | All In Solutions Wellness Center is a treatment facility located in West Palm Beach, Florida. This facility specializes in treating adults who are struggling with co-occurring disorders and addiction. The levels of care offered here are detox, residential, and aftercare programs. As one of the best-rated detox centers in Florida, All In Solutions | Treatments Programs Payment Options AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis Adult Program Program For Men Program For WomenYoung Adult Program Private InsuranceSelf-Pay Options | 
My experience at All In Solutions exceeded my expectations. I was treated with respect, honor and dignity. I was kept comfortable while detoxing.
Timothy Snow
1 week ago
My wife completed residential treatment here for alcohol addiction and the change has been remarkable. Family therapy sessions helped all of us understand how to support her moving forward.
Rosalind Actongale
2 weeks ago
Attentive medical staff during detox, comfortable rooms, board-certified providers who explain everything clearly.
Tobias Kingsley
2 weeks ago
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5 5 
| |
1
Top 10 Rehab in TN
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.64 / 10 | Recovery Unplugged Nashville Drug & Alcohol Rehab is a private luxury addiction treatment center located just south of Nashville, in Brentwood, Tennessee. They offer several levels of care, including medication assisted treatment (MAT), residential treatment and behavioral telehealth. Adults with dual diagnoses and substance use disorders are welco | Treatments Programs Payment Options Substance AbuseAlcoholismDrug AddictionDual Diagnosis Adult Program Private InsuranceSelf-Pay Options MedicareMedicaidMilitary Insurance | 
This place helped me save my own life. I couldn’t recommend a company more.. especially in a dire situation. They are family.
Michelle Aspen
1 day ago
What an amazing place to save your life!
Rich Stadtlander
2 days ago
Help my family out wonders!
Torey Tennyson
2 days ago
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5 5 
| |
1
Top 10 Rehab in CA
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.61 / 10 Claimed | All In Solutions Detox in Simi Valley is one of the best ranked inpatient detox facilities in California providing safe, medically supervised care for individuals beginning their recovery from drug or alcohol addiction. As part of the All In Solutions Behavioral Health network, this facility serves as the first step in a full continuum of care. Cli | Treatments Programs Payment Options AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis Adult ProgramYoung Adult ProgramProgram For MenProgram For Women Private InsuranceSelf-Pay Options | 
This facility has been amazing. The staff is great and the program is also great
Michael Miller
2 days ago
Awesome staff and great facilities. All my needs were met and they got me on the road to recovery.
Brian Mckinney
1 week ago
Everything here was really great. The stars and medical team was very helpful. I left here with a new life
Lucas Deters
1 week ago
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5 5 
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Avenues Recovery Center at Lake ArielAd This is an ad and Avenues Recovery Center at Lake Ariel is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More Lake Ariel, PA Claimed | Clients seeking treatment for alcohol addiction may be required to undergo detox first. As one of the best detox facilities in Pennsylvania, the process at Avenues Recovery Center ensures any abused substances are out of a client’s system and that they are in a healthy frame of mind when they enter residential treatment. Detox is overseen and | Treatments Programs Payment Options Substance AbuseAlcoholismDrug AddictionMental Health And Substance AbuseDual Diagnosis Adult Program Private InsuranceSelf-Pay OptionsMilitary Insurance | View Website (570) 354-6060 | 
Amazing place! Totally worth it!
Megann
1 week ago
Excellent facility fabulous staff!
amy knorr
1 week ago
This is truly an amazing facility! Every single person I’ve encountered is absolutely wonderful. The staff are incredibly kind, caring, and knowledgeable, groups are fun & informative, and the housing and food are excellent. There’s an amazing sense of community and I 1000% recommend.
Irene Sweeney
2 weeks ago
| 
5 5 
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1
Top 10 Rehab in VA
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.45 / 10 | Recovery Unplugged offers a full suite of outpatient substance use recovery for adults and adolescents in the DC Metro area of Annandale, Virginia. They offer general outpatient and top-rated intensive outpatient care (IOP) alongside partial hospitalization programs (PHP). Each of these levels of care may incorporate medication-assisted treatment ( | Treatments Programs Payment Options Substance AbuseAlcoholismDrug AddictionDual Diagnosis Adult ProgramYoung Adult ProgramLGBTQ Program Teen Program Private InsuranceSelf-Pay OptionsMedicareMedicaid | 
I have been in and out of treatment for 15 years, and this is by far the best recovery center I have ever been to. The staff genuinely care about every client and their well-being. They aren’t just out for money or treating people like another number—they truly want to see you heal, grow, and succeed. I have felt supported, understood, and cared for throughout my time here. Recovery is not easy, but this center has given me hope and the tools I need to build a better life. I’m incredibly grateful for this place and would recommend it to anyone who is ready to make a change.
Tara R.
2 weeks ago
I would not be where I am today without the help of Recovery Unplugged. I had two 30 day visits with them back in 2019 before moving on to a 90 program in Arizona. Everyone was friendly and you felt like you actually mattered. The musical component of it all was life changing and is still a huge support in my life today. It’s outside of the box recovery and if you are looking for a place to start, this is it. I’m coming on six years of sustained recovery and now hold a masters in divinity while thriving in Tucson. AZ. None of this would have been possible without Recovery Unplugged and I could not be more grateful for all they provided in early recovery.
Jay Newman
1 month ago
The program and support is great, but once you finish no resources are provided. No follow-up with patients. They are all about profit. The providers can’t even provide outside resources. This should be a warning sign they are out to make money.
Jamie Guy
3 months ago
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5 5 
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1
Top 10 Rehab in TX
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.39 / 10 | Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. One of the best outpatient rehab centers in Texas, Symetria offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outp | Treatments Programs Payment Options Substance AbuseAlcoholismOpioid Addiction Adult ProgramYoung Adult Program Private InsuranceSelf-Pay OptionsMedicareMilitary Insurance | 
Symetria is like a second family for me now and Mrs. Debrah , who runs the center is always awesome and also Mrs. Callie is my counselor and a great one at that! Come to Symetria if you need help you’re not alone they will treat you like your one of them. And the front desk lady Michelle is so sweet that she won’t let you miss a does so she calls every patient everyday in case you forgot so u don’t suffer!
Krystina Hubbell
2 weeks ago
I have been in the DARKEST place for so long. Symetria was my saving grace. My counselor Callie (my saving grace) showed me that I actually really do matter and gave me a sense of belonging for the FIRST time in my life! She truly cares and has helped me in so many ways that I can’t thank her enough. If it weren’t for her, I’m not sure where I’d be in life right now without her. Ms Callie, if you see this, thank you again. To all of the concerned mothers/fathers out there, I promise you, this is the best methadone clinic in the United States. Thank you for taking the time to read my comment, I promise I wouldn’t steer you the wrong direction. <3 Please take into consideration coming to Symetria. I finally have hope.
Madi Murphy
1 month ago
This place is great. The entire staff had always been excellent
bryan harris
2 months ago
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5 5 
| |
1
Top 10 Rehab in NY
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.39 / 10 | This facility offers leading outpatient addiction treatment, recovery coaching, and medication-assisted treatment for adults. Through an intensive outpatient program or an outpatient program, participants engage in individual and group therapy that helps get to the root of addiction and relapse prevention skills. Outpatient support groups allow you | Treatments Programs Payment Options AlcoholismDrug AddictionSubstance AbuseOpioid Addiction Adult ProgramYoung Adult ProgramLGBTQ ProgramTeen Program Private InsuranceSelf-Pay Options Sliding Scale Payment Assistance Financing | 
As a family member, I cannot say enough wonderful things about Mountainside Treatment Center in Huntington. From the very beginning, the staff treated both our loved one and our family with compassion, respect, and genuine care during an incredibly difficult time.
The communication throughout the process was thoughtful and professional, and it was clear that everyone involved truly wanted the best possible outcome. Mountainside provides best-in-class treatment in a safe, supportive, and welcoming environment. Knowing our loved one was in such caring and capable hands gave us comfort and hope when we needed it most.
We are deeply grateful for the support, guidance, and dedication of the entire team. Highly recommend.
Adriana Popa
4 months ago
Going to Mountainside in Huntington was a life changing experience. I could not recommend it more!
Violet White
1 year ago
As a clinical social worker running a local group practice, I regularly collaborate and refer clients to Mountainside Treatment Center. Their staff has always been exceptional, especially Courtney Hulse and Dan Sexton, who go above and beyond in tailoring their treatment plans for each client and family. Mountainside serves as a tremendous resource, providing quality substance abuse treatment that is critically needed here on Long Island. We are enthusiastic about continuing to work with Mountainside to best serve our community and families. Thank you for all you do Mountainside. Highly recommend!
Gordon Gooding
2 years ago
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4 
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Avenues Recovery Center at New EnglandAd This is an ad and Avenues Recovery Center at New England is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More Concord, NH Claimed | Avenues Recovery Center at New England is a drug and alcohol rehabilitation facility in Concord, New Hampshire. Avenues serves adult clients by offering a full continuum of care for addiction that heals the mind, body, and spirit. They are a private facility with modern amenities. Avenues offers levels of care for clients at every step of the re | Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid Addiction Adult Program Private InsuranceSelf-Pay OptionsSliding Scale Payment AssistanceMilitary InsuranceMedicaid | View Website (603) 505-8365 | 
⭐️⭐️⭐️⭐️⭐️
Avenues Alumni truly shows up for one another in the most genuine and meaningful ways. Whether it’s offering a ride, bringing food to an event, checking in on someone who may be struggling, celebrating a milestone, or simply being there when someone needs a friend, this community goes above and beyond. ❤️
What makes Avenues Alumni so special is the connection. People continue to support each other long after completing programming. We celebrate birthdays, sobriety milestones, graduations, and new beginnings together. We laugh together, make memories, participate in service projects, get outside, enjoy activities, and create friendships that extend far beyond a meeting.
There is always someone willing to answer the phone, send a message, save a seat, or remind you that you don’t have to do this alone. The compassion, encouragement, accountability, and genuine friendships within this community are truly something special.
Being part of Avenues Alumni means being surrounded by people who care, who show up, who celebrate your successes, and who stand beside you through the difficult days too. Recovery is so much more than sobriety. It’s connection, fellowship, purpose, and learning how to truly LIVE. ❤️🩹
I’m grateful every day to be part of such a strong, supportive, and uplifting community. Avenues Alumni is family, and there is always a place for you here. 💜
Elisabeth Murphy
2 days ago
Where do I start with reviewing Avenues and my experience in it? My 90-day journey at Avenues Recovery completely transformed my life.
From the moment I arrived, I was met with warmth and genuine acceptance. Walking through those doors in the thick of addiction is terrifying, but the staff and community created an atmosphere centered entirely on healing and positive growth. Through every tough moment, the support never wavered. For the first time in years, I was guided to truly understand myself, confront the root of my struggles, and rebuild my life from the inside out.
The fellowship I found here showed me that I never have to navigate this path alone. Beyond the emotional and clinical care, Avenues helped me construct a concrete, well-defined recovery plan—not just to stay grounded while I was in the facility, but to keep moving forward and upward once I stepped back into the world.
Avenues helped me give myself the greatest gift possible: my recovery, my self-worth, and a future with purpose. I will carry lifelong gratitude for the people here and the foundation they helped me build. If you or someone you care about is looking for hope and a real way out, this place will help you find it.
Beaven
1 week ago
Avenues Recovery saved my life! I don’t know where I would be without ever coming here. The staff, the facility, everything was amazing at Avenues Concord. I was 1000% supported in every way imaginable. Avenues Corcoran does recovery exceptionally well in all “avenues” lol. From playing volley and whale watching with the community here, to one on one sessions with my councilor and staff, everything hit for me. The atmosphere was welcoming and I’d tell anyone considering coming here to do it now rather than later! Your recovery matters and Avenues can help. Not only did they help me currently with my life struggles, they continue to give you the care and tools you need after treatment! I can call right now and they’d answer the phone! If you’re thinking about it, just do it already! You won’t regret it and you can finally live a real life where you are truly happy! Thank you for EVERYTHING Avenues you truly helped me become the person I’ve always wanted to be!
Chuck Patterson
3 weeks ago
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6 6 
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1
Top 10 Rehab in MD
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
9.38 / 10 | Bracebridge Hall is an inpatient facility located in Earleville, Maryland under the umbrella of Recovery Centers of America. It’s on 560 acres with a view of the Sassafras River. They offer substance use disorder (SUD) treatment and mental health treatment for co-occurring disorders. They accept and are in network with most major insurance plan | Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance Abuse Adult ProgramMilitary ProgramYoung Adult ProgramLGBTQ Program Private insuranceSelf-Pay Options Financial AidSliding Scale Payment AssistanceMilitary InsurancePrivate InsuranceMedicaidMedicare+1 | 
RCA and its facilitors were exceptional. Intake and discharge was streamlined and efficient. A variety of flexible groups and speakers were scheduled weekly. Educational classes regarding medications and planning for discharge are also available. The facility provides lesiure activities such as fishing, recovery walks, and a gym. Facility was well maintained and clean. A variety of meals are offered for breakfast, lunch, dinner, and a night snack. Substitute protein options are also available. RCA will meet and exceed expectations and provide all one needs for a successful recovery.
Juan Najera
1 day ago
My stay at RCA Bracebridge was truly life-changing. This was my first experience in rehab, and I honestly didn’t know what to expect, but it exceeded everything I could have imagined.
The groups were both educational and life-changing, providing valuable knowledge and tools that I can carry with me throughout my recovery. The staff were exceptionally supportive, caring, and informative. It was comforting to know that someone was always there whenever I needed help or support.
My therapist, Jessica V., is amazing, and I will never forget her. Mr. Dan, Mike H., Mrs. Jessie, and Mrs. Amber were also incredibly supportive and generously shared their knowledge and experience, which made a meaningful difference in my recovery.
The RSS staff were outstanding, and words cannot fully express my gratitude for everything they did. The kitchen staff, especially Eric, went above and beyond to make sure we were comfortable and had what we needed. That support allowed us to focus on what mattered most—our recovery.
Mr. Tariq always listened and showed genuine care and compassion toward the clients. His kindness and willingness to be there for us meant a lot.
I will forever be grateful to RCA Bracebridge for helping save my life and giving me the coping skills and tools I need to continue recovering one day at a time. I am leaving with gratitude, hope, and a renewed commitment to my recovery. Thank you to everyone who played a part in this journey
Shawnda
1 day ago
RCA gave me the confidence and tools to live the life of sobriety. Im truly grateful for everyone involved in my treatment there and the compassion and understanding of my treatment. I cant truly describe the gratefulness I have for this facility that has changed my life.
Jerry Chandler
2 days ago
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5 5 
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Resources
- Key Substance Use and Mental Health Indicators in the United States: Results From the 2015 National Survey on Drug Use and Health. Bethesda, MD: Substance Abuse and Mental Health Services Administration; 2016.
- What’s included as income. (2019). HealthCare.gov. https://www.healthcare.gov/income-and-household-information/income/
- Substance Abuse and Mental Health Services Administration. (2014 November). Medicaid Coverage and Financing of Medications to Treat Alcohol and Opioid Use Disorders.
- Medicaid.gov. (2021). Eligibility.
- Disclaimer Medicare Coverage of Substance Abuse Services. (n.d.).Centers for Medicare & Medicaid Services https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNMattersArticles/downloads/SE1604.pdf
