Does Your Insurance Cover Rehab?

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.

Learn more about ACA coverage for drug rehab.

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.


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 CategoryInsurance PaysYou Pay
Bronze60%40%
Silver70%30%
Gold80%20%
Platinum90%10%

Who’s Eligible For ACA Coverage?


  • 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


  • 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?


  • 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





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Addiction Centers That Accept Private Insurance

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    Avenues Recovery Center at Lake Ariel

    Ad
    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
    4.8
    (387 reviews)
    Check iconClaimed
    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
    View Website (570) 354-6060
    I can truly say that what I came to accomplish in a medically assisted detox was👍🏾. As a person with pre-existing medical conditions, having a competent medical staff to entrust my regular medical routine to was huge! P.A. Kahlia and nursing staff were very helpful – except for a few follow-up concerns during overnight staffing. I will say just like any other care facility, you will probably feel some concern about overall processes,, but over all I would consider it a good facility.
    Learie Seldon
    4 days ago
    This is a great place for hopeless addicts. The clinicians are great, as well as the staff. They’re very knowledgeable and kind. The amenities and good food is an added bonus. Special shout out to TJ and Byron for all the support!
    Taliya R. H.
    1 week ago
    My experience at avenues lake Ariel was excellent. Having never been to treatment before I had no idea what to expect and it far exceeded my thoughts about what was in front of me. The staff, counselors and clinicians were all fantastic and the space and facility was warm and welcoming.
    Ryan Tunney
    1 week ago
    Avenues Recovery Center at Lake Ariel PA 18436
    5
    5
    The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 1 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 2 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 3 The facilities at Avenues Recovery Center at Lake Ariel in Lake Ariel, PA 4
    Cave Creek, AZ
    5.0
    (17 reviews)
    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. As one of leading inpatient re
    Soberman’s Estate was everything I needed for my recovery. The staff, the program, physical activity and culinary experience were top notch and essential. The program is well designed and worked better than I expected. The staff is remarkable – professional, considerate and genuinely caring. My time there and being removed from alcohol for five weeks was everything I needed to remove my craving for alcohol. Soberman has changed my life in ways I never could have imagined. I feel confident, secure and grateful for my new life. I have reconnected with my family and friends. Thank you Soberman.
    George B.
    8 months ago
    Yes, very professional staff, treatment, therapist, chefs were good! even the home cook did the best she could, and loved the horses of Course! Saturday morning hiking was fun to explore the trails of the nearby mountain area!
    John E Williams
    8 months ago
    I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
    Kevin Crawford
    8 months ago
    Soberman's Estate
    5
    5
    The facilities at Soberman's Estate in Cave Creek, AZ 1 The facilities at Soberman's Estate in Cave Creek, AZ 2 The facilities at Soberman's Estate in Cave Creek, AZ 3 The facilities at Soberman's Estate in Cave Creek, AZ 4
    Simi Valley, CA
    4.9
    (593 reviews)
    Check iconClaimed
    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
    Very friendly staff great facility. 20 day stay
    Marcus Cook
    1 week ago
    I love this program it really makes difference and helped me get my life back on track! If you’re serious about you recovery please 🙏 give it a try…
    william wall lll
    3 weeks ago
    The staff and clients are all very supportive. Definitely recommend!
    Kenzie Whiteman
    3 weeks ago
    The facilities at Divine Detox in Simi Valley, CA 2
    5
    5
    The facilities at Divine Detox in Simi Valley, CA 1 The facilities at Divine Detox in Simi Valley, CA 3 The facilities at Divine Detox in Simi Valley, CA 4 The facilities at Divine Detox in Simi Valley, CA 5
    Brentwood, TN
    4.9
    (352 reviews)
    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
    Caring staff!
    Cindy Delaney
    1 month ago
    RU is an awesome facility with a caring team of therapists, administrators, techs, etc. Everyone truly cares about the well-being of each person that comes through the doors. The great thing is the caring doesn’t stop once you leave, they continue to check on you and your progress. So thankful for such a wonderful facility.
    Lisa Patterson
    1 month ago
    The staff (Sydney) truly cares about the people they help and treats everyone with kindness, respect, and encouragement. The facility was welcoming, clean, and supportive, and the team goes above and beyond to make a difficult process easier. I would highly recommend Recovery Unplugged to anyone looking for help and a positive environment for recovery.
    DeeAnna Dillon
    1 month ago
    The facilities at Recovery Unplugged - Nashville in Brentwood, TN 2
    5
    5
    The facilities at Recovery Unplugged - Nashville in Brentwood, TN 1 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 3 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 4 The facilities at Recovery Unplugged - Nashville in Brentwood, TN 5

    Avenues Recovery Center at Clarksville

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    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
    4.8
    (610 reviews)
    Check iconClaimed
    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
    View Website (930) 203-1947
    This is a great place to begin recovery process. The staff is nice and very helpful!
    Bea
    1 day ago
    Katina is the best. She has the best intuition of any woman I have ever met. Jeff and Chris are great. Chuck h is crazy. This place changed my life. FOREVER GRATEFUL #aWEDORECOVER
    steph
    2 days ago
    Got my life back on track
    Cody Christopher Wellner
    1 week ago
    Avenues Recovery Center at Louisville IN 47129
    4
    The facilities at Avenues Recovery Center at Louisville in Clarksville, IN 1 The facilities at Avenues Recovery Center at Louisville in Clarksville, IN 2 The facilities at Avenues Recovery Center at Louisville in Clarksville, IN 3
    Woodbury, TN
    4.9
    (122 reviews)
    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
    The place was amazing. It has a great Christ based curriculum. Coaches and counselors were awesome . Would highly recommend this program for anyone who is struggling with addiction.
    Jared Cravens
    2 months ago
    They treat you like a princess. I went in there in the process of divorce down to skin and bones, and very depressed. Jesus restored me and they were there to help me get back to him! I’ll forever be grateful ! I love all the ladies I connected with there. It was not easy to make the choice but it was worth the pain I processed in my treatment. It’s more than a substance abuse Place it’s a deep inner healing place!
    Vella Flores
    2 months ago
    I attended this program after many failed attempts at other secular AA NA rehabs. S2L showed me who God is, His love, and who God says I am. It was through the programs staff and the many people that surround them that I got to know Jesus Christ. John 8:36 reads “So if the Son sets you free, you are truly free”.. I wasn’t just looking for sobriety, I was looking for freedom in Christ and S2L showed me that. Today I am a new creation 2 Corinthians 5:17. Anybody who is struggling with the weight of this world or knows someone who is (whatever it may be) I highly encourage this program.
    Jeremy Witty
    3 months ago
    S2L Recovery TN 37190
    6
    6
    The facilities at S2L Recovery in Woodbury, TN 1 The facilities at S2L Recovery in Woodbury, TN 2 The facilities at S2L Recovery in Woodbury, TN 3 The facilities at S2L Recovery in Woodbury, TN 4
    Watsonville, CA
    4.8
    (327 reviews)
    Check iconClaimed
    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. One of the best ranked Outpatient treatment centers in California, Elevate Addiction Services provides a wide continuum
    This place is not your ordinary rehab facility. They go beyond your standard rehabilitation and literally “Elevate” your life to a new level you didn’t think was ever possible before. The program is structured in a way that you desire to learn more and give more into the healing process. If you take the necessary steps and put your heart into the program you will come out with a newfound appreciation for life and all that surrounds you. Please take this step, as my husband did, to embrace your life and get the healing you deserve and owe yourself.
    The Truth
    3 months ago
    I think this is a wonderful rehab, the facilities are beautiful, the food is amazing (I have never even had food this good at a restaurant), and above all they have really helped my husband. Obviously anyone that first goes to rehab isn’t happy with their situation but in just two short months he was a changed person. The work they have them do on themselves got him to finally see why drugs and alcohol are no way of life. He’s finally sober and actually enjoying it! This rehab helped him so much he actually chose to stay LONGER, and I am for once excited for what the future can bring.
    Christine Hanson
    3 months ago
    My experience here throughout my last few months has completely changed my whole outlook on life. Before I got here I thought my life was going towards the end. My body was failing and mental state was terrible. Every part of the program touches on every aspect of the addicts life. Now that I have finished the program and started living daily life with all of the gains I got throughout the program, failure isn’t an option. I know I can truly be happy sober now. I finally gained back the love and support from my life partner and best friend I always knew was still there. My mom also believes in me again which is so important to me. The possibilities and happiness are endless now. Thank you Elevate.
    Mike Wilcox
    3 months ago
    Elevate Addiction Services CA 95076
    5
    5
    The facilities at Elevate Addiction Services in Watsonville, CA 1 The facilities at Elevate Addiction Services in Watsonville, CA 2 The facilities at Elevate Addiction Services in Watsonville, CA 3 The facilities at Elevate Addiction Services in Watsonville, CA 4
    Malibu, CA
    4.8
    (53 reviews)
    Check iconClaimed
    Rise in Malibu is a secluded drug and alcohol rehab program in Malibu, California. They deliver Joint Commission accredited detox, inpatient treatment, medication assisted treatment (MAT), and aftercare services to adult clients. Their campus boasts luxury amenities and a seaside view. Detoxification at Rise Malibu takes place in its luxury residen
    One of the best rehabs available. Everyone was very personable, respectful, kind, and patient. Just over 365 days sober thanks to Rise. Allison saved me, and I cannot thank her enough. If you’re in deep and hopeless, take her word, do what she recommends, let her guide the process. She is a godsend. Trust her. Ron, Sharie, Dr. Mark, Nam, Cat, Dr. Raskin (who is very kind, don’t let other reviews fool you) and everyone else, thank you as well. My daughter has her dad back thanks to y’all. Also special shout out to Cesar for our trip out to West Hollywood to check out sober livings. Fun adventure and one of the easiest people to talk to one on one. Go to Rise. I’m telling you now if you have the opportunity, do not pass it up.
    Wes Naylor
    5 days ago
    The first phone call i had was an intake with Allison. She is the one who convinced me to come to Rise. She is amazing. She is there from the beginning to the end if you need anything. The first person I met at rise was Nam. He is the man he’s there for you all the time he works 20 hours a day. The man is amazing. Next, I met Zac the nurse he’s such a cool dude and listens to you and takes whatever concerns you have and it gets it fixed for you. As far as nurses Daisy, David and Nina were great. If you have real medical issues, I would not go there Dr.Raskin is a first class clown. The first time I met him, he spoke to me in the kitchen for 30 seconds and ran away. The next time I saw him was on Zoom for about 60 seconds and he got off. I had a lot of medical issues and he was not there for me. I was very disappointed in that. I refuse to see him after that that’s one of the few bad things about Rise is the doctor. If he was my employee he’d be fired. I complained about him a lot. The counselor Michael, Josh And Beth were great they listen to you and make you feel like they are helping you out. A special shout out to Cat My hippie dippy friend she is the one who does yoga and meditation. I never did that in my life before I’m an older man and she was amazing. I’m from the East Coast. The food was not that great. I was disappointed in that they have a private chef. James was the best chef That’s the only thing I could say about the food. Very disappointing. That being said, I would definitely go to Rise. They save my marriage and they save my life. Thank you to the team if I left anybody out, I’m sorry.
    Marc K
    2 weeks ago
    There are very few people in life who truly believe in you when you’ve completely lost belief in yourself. For me, one of those people has always been Ron and the entire team at Rise in Malibu. I’ve known Ron for a while , and through every chapter, he has remained someone who genuinely cares, shows up, and sees the person beneath the struggle. That kind of authenticity is rare. His leadership and heart are reflected throughout the entire program and staff. Dr. Mark, Sheri, and everyone at Rise create an environment that is compassionate, professional, supportive, and deeply human. They don’t treat people like problems to fix they treat them like people worth fighting for. That distinction matters more than words can explain. What makes Rise special is that it never felt transactional to me. It felt personal. Real care, real connection, real support, and people who continue to stay connected long after treatment ends. That says everything. And for me personally, recovery wasn’t something that necessarily “landed” the very first time. Sometimes the spiritual experience happens when it’s truly ready to happen. What I can say today, sitting here over 16 months sober, is that Rise helped give me the tools, foundation, support, and perspective that allowed that change to finally take root in a real way. When the moment came, I knew how to move forward because of what I had learned there. That’s something I’ll carry with me for the rest of my life! I can honestly say I would recommend Rise in Malibu to anyone looking for genuine help, guidance, and people who truly care about recovery and human beings as a whole. Five stars isn’t enough for the impact they’ve had on my life. Thank you, Ron, and thank you to the entire Rise family!
    B P
    1 month ago
    Rise in Malibu CA 90265
    6
    6
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    Levittown, PA
    4.8
    (312 reviews)
    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
    Celebrating my milestone today and couldn’t have done it without STR Levittown and Silver Pines, eternally grateful 🫶🙏
    Michael Oberholtzer
    1 month ago
    This place saved my life. At my lowest of lows I came here and they gave me the hope I needed to go out and live a successful life. Erin truly made my day everytime I’d see her she would always give me some kind of inspiration to keep going
    Tommy Hayes
    3 months ago
    My time in the PHP program at STR was truly life-changing. I came in struggling with trauma and uncertainty, and the staff created a safe, supportive space where I could begin to heal and grow. A special thank you to my case manager Katie for helping me navigate legal issues and plan my next steps when I felt overwhelmed. I’m also deeply grateful to my therapists Matt, Ashley, and Blake, as well as Lauren, the intern, who all supported me through the hardest parts of recovery. Leigh Anne, our house lead behavioral health tech, kept communication open and made sure everyone felt heard. Monique, the nurse practitioner, was incredibly compassionate and helped me take my first steps toward accepting my need to change pronouns and pursue gender-affirming care. I’m leaving this program stronger, more self-aware, and genuinely thankful for the care I received. 💙
    Taylor Budry
    3 months ago
    Steps to Recovery PA 19056
    6
    6
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    Kailua Kona, HI
    4.7
    (52 reviews)
    Hawaii Island Recovery is a live in drug and alcohol rehab for adults in Kailua Kona. You’ll stay in an island style home surrounded by gorgeous views of this tropical paradise. Your treatment will start with supervised medical detox then you’ll move on to residential treatment. They only take in eight people at a time to create a safe place fo
    I completed 86-days at Hawaiian Island Recovery, and it was genuinely one of the most effective and supportive treatment experiences I’ve had. From the moment I arrived, the team was accommodating, opened their doors without hesitation, and consistently put my best interests first. In a field where programs can feel rigid or profit-driven, HIR stood out for its pragmatic, patient-centered approach. Their holistic therapy model is modern, layered, and actually produces results. I received comprehensive care that included multiple forms of psychotherapy, EMDR, Parts work, somatic experiencing, massage therapy, acupuncture, and regular yoga. Beyond the clinical work, they provided substantial education on addiction and trauma that gave me a much clearer understanding of the underlying issues I was dealing with. The integration of these modalities felt thoughtful rather than scattered, it addressed both the mind and the body in a way that built real momentum in recovery. The facility itself is exceptional. The house is by far the most luxurious and comfortable treatment environment I’ve experienced. The food was outstanding, nutritious, flavorful, and the chef was always willing to accommodate dietary needs or preferences. Daily life there felt supportive rather than institutional. The house managers are compassionate people who truly understand what residents are going through. Most notably, my case manager Chevone was outstanding. She is highly competent, deeply understanding, and acted as a strong advocate for my needs throughout the program. She was a keystone figure in my time at HIR, coordinating care, pushing for what was truly helpful, and keeping everything aligned with my recovery goals. If you’re serious about addressing addiction and trauma with a high-end, integrative program that doesn’t cut corners on comfort or clinical depth, I would recommend Hawaiian Island Recovery without hesitation. The combination of clinical excellence, luxury accommodations, and genuinely caring staff made a real difference for me.
    Kord Ball
    2 months ago
    HIR was exactly what I needed! I was at an absolute low point in my life and this place completely turned things around. The staff was extremely friendly and caring, some have years of recovery themselves so they’re also very easy to relate to. The meetings they took us to were extremely helpful and even fun! Delicious home cooked meals are prepared everyday by a wonderful Chef, yum. I stayed 30 days but wish I could have stayed the full 90. I still go back on alumni days and Big Book Studies to stay in touch with everyone there, I love HIR!
    Sam Speerschneider
    2 months ago
    I did 60 days at the residential program and it genuinely changed my life. This wasn’t my first time in rehab I’d been to two other facilities on the mainland that didn’t stick. What was different here is that they built my treatment plan around me specifically, not a one-size-fits-all schedule. The therapists actually listened. The staff-to-client ratio is small so you’re not just a number. Frank and Fernando were incredible to work with during individual and group sessions. Being on the Big Island away from my usual environment and triggers gave me space to actually focus. I’ve been sober since completing the program and I credit this place for that.
    Christina Nieto
    2 months ago
    Hawaii Island Recovery HI 96740
    6
    6
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    Resources

    1. 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.
    2. What’s included as income. (2019). HealthCare.gov. https://www.healthcare.gov/income-and-household-information/income/
    3. Substance Abuse and Mental Health Services Administration. (2014 November). Medicaid Coverage and Financing of Medications to Treat Alcohol and Opioid Use Disorders.
    4. Medicaid.gov. (2021). Eligibility.
    5. 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
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