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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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Addiction Centers That Accept Private Insurance
| 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 1
Top 10 Rehab In Indiana
 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 | 
Great groups and staff very good people here
Bryan Johnson
1 week ago
They helped me immensely.
Learned a lot about myself.
Charles Meadows
1 week ago
So grateful for avenues clarksville, they helped me start a journey that.i couldn’t have been more grateful, they saved my life. Shout out to all the staff. 😍
Brandon Terry
1 week ago
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Top 10 Rehab In Arizona
| Soberman’s Estate, located in Cave Creek, Arizona, is an alcohol and drug rehab center that provides addiction treatment services to adult men, professionals, and public figures. They are a discrete, luxury rehab for individuals aged 30 to 80 years old. This location caps their treatment center at ten men at a time. Soberman’s Estate focuses on | Treatments Programs Payment Options Mental HealthSubstance AbuseAlcoholismOpioid AddictionMental Health And Substance Abuse Adult ProgramYoung Adult Program Program For Men Private InsuranceSelf-Pay Options Financial Aid Sliding Scale Payment AssistanceMedicaid Medicare | 
I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
Kevin Crawford
1 month ago
Very professional, great counselors, and a very good learning experience. Gave me structure and coping skills. Additionally, the psychiatric counseling was top notch.
Gregory Gheen
4 months ago
When it came to the realization I needed help to overcome my addiction, I ended up choosing to go to Sobermans. I couldn’t have been more grateful for this choice and the experience. I can’t say enough about the accommodations, setting, and food. However those things mean nothing without the proper staff. The best thing about Sobermans is their people. The care I received from each and every member of staff there was overwhelming. I’ve since returned for some aftercare and Alumni events, and upon my return, it feels like home. I would highly recommend Sobermans for any man that needs help with addiction or getting your mind cleared. I promise, if you put in the effort that their staff does, you will leave different person!
backfortyhunter Rose
5 months ago
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Top 10 Rehab In Texas
| Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. The CARF accredited clinic offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outpatient program (IOP), one on one | Treatments Programs Payment Options Substance AbuseAlcoholismOpioid Addiction Adult ProgramYoung Adult Program Private InsuranceSelf-Pay OptionsMedicareMilitary Insurance | 
BEST PLACE EVER. I have tried various other doctors/clinics and none of them even begin to compare to this one. The staff here is absolutely amazing. I can’t even make a single complaint. Dr Son is the best as well. He explains everything and you truly feel like he understands you. I can proudly say this, this place saved my life. If you or someone you know needs help getting off opiates do it right the first time and come here. You won’t be disappointed. If you are specifically struggling with fentanyl please don’t waste your time with other ways. I have tried 6 other methods from lazer therapy to having the earpiece to suboxone. Methadone is the key to our current fentanyl crisis. This clinic makes recovery possible again!
Mason
1 month ago
Entire staff was friendly, helpful and supportive throughout the whole process from reception to nurses to counselors
William Maddux
2 months ago
The nurses at the hurst location and also Samantha the receptionist are all so kind and compassionate!! They all go above and beyond the call of duty. They should all be praised for their hard work and their kindness to their patients!!
Debbie Tyler
2 months ago
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Top 10 Rehab In Pennsylvania
| The Steps To Recovery addiction treatment center is situated in Levittown, Pennsylvania. At this drug rehab center, patients can expect to engage in a unique treatment approach that focuses on helping individuals recover through authenticity, intimacy, community connection, and transparency. Steps to Recovery offers a serene and private environ | Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionMental Health Adult ProgramLGBTQ ProgramYoung Adult ProgramMilitary Program Self-Pay Options MonthlyPrivate Insurance | 
Great experience, professional staff, and flexibility of program was perfect for me! Feel like a new person. Thank you!
Doug Bradley
1 month ago
Steps to recovery was a great program. The bhts were great and understood what I was going through with a lot of them being in recovery as well. As well as the therapists being well trained and met my needs. Overall a wonderful program that I would return to.
Omi Floyd
1 month ago
My treatment here was absolutely a success. I came here highly depressed with a negative outlook on life with zero hope. In combination with group therapy and individual therapy, my whole perspective was changed. I’m leaving here refreshed and ready for what life has in store for me. Would absolutely recommend to anyone who is struggling with substances and or their mental health.
Abronah Chandler
2 months ago
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Boca Recovery Center – New Jersey Drug & Alcohol RehabAd This is an ad and Boca Recovery Center – New Jersey Drug & Alcohol Rehab 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 1
Top 10 Rehab In New Jersey
| Boca Recovery Center – Galloway is a drug and alcohol rehab in Galloway, NJ. They provide inpatient addiction treatment and medical detox. Boca Recovery’s New Jersey Drug & Alcohol Rehab, located in Galloway, New Jersey offers residential addiction treatment, medical detox, and medication-assisted treatment in an immersive treatment s | Treatments Programs Payment Options Mental Health and Substance AbuseDrug AddictionAlcoholismOpioid AddictionDual DiagnosisSubstance Abuse Adult ProgramYoung Adult ProgramProgram For Men Program For Women Seniors ProgramLGBTQ ProgramMilitary Program Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid | View Website (609) 270-3068 | 
Great facility
Emanuel Rodriguez
3 days ago
This rehab facility was exactly what I needed to turn my life around. Very caring staff and my therapist Mikeala was excellent.
anna hagopian
3 days ago
Wonderful facility, helpful supportive caring staff, mikaela is a wonderful therapist.
Waaznoday Silver
3 days ago
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Top 10 Rehab In Tennessee
| If you’re looking for a Christian-based men’s drug rehab center, S2L Recovery in Woodbury, Tennessee, might be the place for you or your loved one. Located at the top of Short Mountain, and overlooking the green hills of Middle Tennessee, this residential and detox clinic boasts a one-to-one staff/patient ratio so there’ll always be someone t | Treatments Programs Payment Options AlcoholismDrug AddictionOpioid AddictionSubstance AbuseDual Diagnosis Adult ProgramYoung Adult ProgramProgram For Men Private InsuranceSelf-Pay Options | 
Come here with a open mind and heart. It can and WILL change your life in all ways. Trust the process and trust God! Could go on and on about how amazing this place, I’ll forever be grateful!
Trevor Woodard
1 month ago
Everything about this place is great. Anyone struggling with addiction and wants to build a relationship with Jesus Christ this is the place to come.
Zach Walman
2 months ago
S2l recovery saved my life spiritually emotionally and physically speaking all classes and staff are very friendly and supportive people with my best in mind… Food is excellent… Lots of support and love here people are great
Andrew
2 months ago
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Top 10 Rehab In California
Claimed | Located in Watsonville, California, Elevate Addiction Services provides alcohol and drug rehab services to men and women suffering from addiction. Their levels of care include detox, inpatient treatment, and outpatient treatment. Elevate Addiction Services provides a wide continuum of care that meets each person where they are in their recovery pro | Treatments Programs Payment Options AlcoholismDrug AddictionOpioid AddictionSubstance Abuse Adult ProgramYoung Adult ProgramLGBTQ Program Self-Pay OptionsPrivate insuranceMilitary InsurancePrivate Insurance Financing | 
Elevate is an amazing program! It helped me dig into my mental health leading to my addiction, tons of awesome and useful coping skills, and overall just a beautiful place. It helps you appreciate things that you could be taking for granted. It has amazing views with a great community and staff. Staff was so supportive of my recovery and always made sure I was comfortable during my stay here. I would recommend Elevate over any other rehab I have been to. Elevate really saved me!
Emily Mosher
3 days ago
I recently completed the 30 day Core Peogram at Elevate Addiction Services in Watsonville. After two relapses following decades of previous sobriety, I knew I could benefit from an intensive inpatient residential program to set me bsck on the right path again. I’m so grateful I found Elevate right away. The 12 Steps originally got me sober, and I have no issues with AA/NA, but Elevate is based on SMART Recovery, which is built on a different foundation from the 12 Step program. I gained new insights through the intensive workbooking and structured group sessions, as well as my time spent with my on-site therapist. There’s a big emphasis on Mindfulness at Elevate, so be prepared to meditate and practice breathwork frequently. The rural location is serene, with spectacular views of the Pajaro Valley, and the wildlife is abundant. If you enjoy nature, this is a wonderful, peaceful location. The ranch-style property doesn’t look or feel institutional at all. The facilities are a bit worn (it was originally built 50+ years ago as a retirement home for nuns), so if you’re looking for a luxury rehab, this probably isn’t the place for you. But if you could benefit from delicious meals, CrossFit and yoga, volleyball and pickleball and a well-stocked game, book and DVD library, look no further! Every single employee has gone through the program themselves, so they really understand what you’re going through. Many people opt to stay on past their 60-90 day programs to train as staff members. The facilitators are caring, kind and helpful. The folks in the detox center are supportive and gentle. The security staff are strict but reasonable. Monday-Saturday, the schedule is very structured, with plenty of breaks and evening free time, and Sundays are completely free all day and night. You will be expected to do chores and follow rules. After an initial 7 day “blackout” period, clients have access during free time to shared cell phones in a common room, and once a week you have an opportunity to use your personal cell phone/laptop in a more private space. Visits from friends/family are limited, subject to pre-approval and only take place on Fridays from 3-6pm. The structure and rules are in place to help keep you focused on what you came there to do in the first place: get clean and sober! Overall, Elevate offers clients the opportunity to hit “pause” on the chaos of using and drinking, the tools to gain clarity and insight, and the strength and will to go back to living a clean and sober, productive life.
N. D.
1 week ago
Elevate was such a great program, it’s really changed my way of thinking for a positive
Thank you Elevate!!!
michael gonzales
2 weeks ago
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Boca Recovery Center Florida – Drug Rehab & DetoxAd This is an ad and Boca Recovery Center Florida – Drug Rehab & Detox 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 1
Top 10 Rehab In Florida
| Boca Recovery Center in Pompano Beach, Florida is located just 10 miles north of Fort Lauderdale. We provide comprehensive rehabilitation services ranging from medical detoxification and residential treatment to specialized programs that meet your unique needs. Boca Recovery Center in Pompano Beach, is an addiction treatment facility in Florida. Th | Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance Abuse Adult ProgramYoung Adult ProgramSeniors ProgramLGBTQ ProgramMilitary ProgramProgram For MenProgram For Women Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid | View Website (954) 251-6195 | 
Great experience!
All the staff is great
Thank you for everything Nikki!
Eric Bryant
5 days ago
I have had the pleasure of working closely with Boca Recovery Center in Florida for years, and they continue to set the bar high. The team is professional, compassionate, and always focused on doing what’s best for their clients. Their consistency and integrity make them one of the most trusted names in the field, and I’m proud to recommend them without hesitation.
Ali Moore
5 days ago
This place is absolutely amazing. I was treated with respect and dignity by every single staff member and they did not give up on me although I left and came back multiple times.
Santiago Gamboa
6 days ago
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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 2
Top 10 Rehab In Pennsylvania
Claimed | Clients seeking treatment for alcohol addiction may be required to undergo detox first. The detox process 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 closely monitored by medical staff. The residential program takes clients | Treatments Programs Payment Options Substance AbuseAlcoholismDrug AddictionMental Health And Substance AbuseDual Diagnosis Adult Program Private InsuranceSelf-Pay OptionsMilitary Insurance | View Website (570) 354-6060 | 
I attended Avenues Recovery in the fall, and my experience there was overwhelmingly positive. The facility is very accommodating, and the staff is helpful, upfront, and truly professional. I learned so much during my time there, and I’m genuinely grateful for the care and support I received.
The food was solid, the gym is great, and there are plenty of activities to keep you engaged — from volleyball and yard games to the pool in the summer. It creates a really healthy environment for recovery.
I would absolutely recommend Avenues to anyone struggling with substances and looking for a place that offers both structure and compassion.
A huge shoutout to Mark, Tyler, Kamisha, Bria, Bethany, Joey, Lydia, Mykayla, Joe, Cassie, Carlo, John and John, Warren, Crystal, Jenn, Diamond, Chef, Kerry, Valerie, Ralph, Mike, Alisa, and all the medical staff — your support made a real difference.
Tony C
4 days ago
I can’t say enough positive things about my time at the Lake Ariel location. It was my first stint at a rehab facility and the community there was life changing. The staff truly cared about my journey and wanted to see me succeed. The staff and community are family members to me. I was given the care I desperately needed to begin my sobriety journey and I’m not looking back! In particular, Tyler helped open my eyes to continuing my rehabilitation at a PHP in Bucks county and I don’t regret that decision. She was such an advocate for my future. I recommend this facility to anyone struggling with addiction and a desire to make positive change in their life. The new me is experiencing life through a sober lens and I’m indebted to Avenues for life. Thanks to all that helped me during the darkest time of my life. Big love to my Avenues family! We all we got! We all we need! You got this!
Todd Murray
5 days ago
Going to avenues was the absolute best move I could have made..First thing I noticed was alot of people actually cared not gonna lie it was a struggle I wanted to leave more than once but I was always talked down from the caring staff that was around..There isn’t a better place the food is good, played a ton of basketball and threw the football around the fires and speakers at nite very cool only thing that was hard was the gender ban but it was that way for a reason.. Today im over a year clean and doing great in life and I can’t thank avenues enough..Its a great place but you have to give it a chance its not easy have to be ready to just give in and learn a new way of life!
sean hunter
1 week ago
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Boca Recovery Center – Bloomington Alcohol & Drug RehabAd This is an ad and Boca Recovery Center – Bloomington Alcohol & Drug Rehab 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 2
Top 10 Rehab In Indiana
| The Boca Recovery Center is a luxury alcohol and drug rehab center for adults in Bloomington, Indiana. They specialize in cutting edge addiction treatment provided in a residential setting. One unique part of this alcohol and drug rehab in Indiana is the peaceful, secluded setting. If recovering in a clinical hospital setting doesn’t sound very a | Treatments Programs Payment Options Drug AddictionAlcoholismOpioid AddictionDual DiagnosisMental Health and Substance AbuseSubstance Abuse Adult ProgramYoung Adult ProgramSeniors ProgramLGBTQ ProgramMilitary Program Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid | View Website (930) 203-1400 | 
Staff was amazing. Very comforting and friendly. Made me feel at home while going through a difficult time. Thank you Boca Recovery Center
Mandy Jo
6 days ago
Great living space, great food, great groups, amazing staff. I have no complaints at all. The staff would do anything possible to make your stay as comfortable as possible.
Dustin Adams
1 week ago
Boca has helped me tremendously with my addictions that I’ve had, All of their staff has been wonderful and very professional, and I would recommend anybody that has any type of problems with any type of addictions or mental health to get into Boca. They certainly helped me..🙂
Roger Burkholder
3 weeks ago
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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
