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
Loading visitor information…
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.
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 Clarksville, IN | 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 | View Website (930) 203-1947 | I always love this place they really care about you and make sure they can help you in anyway that they can
Loveallways Freeusasap
1 day ago
I love it here the people are so nice there great
Mary Ann Gesner
1 day ago
Its a very good experience ,staff is amazing ,very helpful make you feel at home very loved welcomed i would highly recommended
Chassity
1 day ago
|
4
|
1
Top 10 Rehab in AZ
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.
8.90 / 10 | 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 | Treatments Programs Payment Options | 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.
10 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
10 months ago
I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
Kevin Crawford
10 months ago
|
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.
8.79 / 10 | 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 | This place and the people here saved my life. I’m so thankful to them helping me through this journey đź’“
Stacy Reed
1 week ago
What a blessing. All in Soultions was. Senior staff really are qualified, caring and professional. The reach us were we are and assist us they are intentional and go way beyond the call. My case worker Ms. Kerry and Counselor Mark helped me so much. What a great team. All in Solutions known what they doing. Jm
John McKinney
1 week ago
This was a fantastic program that really cares about each individual person.
John Linstad
1 week ago
|
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.
8.78 / 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 | RU is amazing. The staff here is phenomenal and they truly care. I truly love Becca, Teigan, Ellie, Bailey, and will. They’re all so good at making people feel like they can do whatever they set their minds to and accomplish their goals!
Logyn Street
2 months ago
I checked myself in for alcoholism and opiate abuse. I was drinking so much I was falling and hurting myself and ruining my marriage and on a path to possibly loosing job and even land myself in jail. I was miserable and at rock bottom. Once there after the detox period i started attending group therapy sessions, individual therapy session’s sessions, and working with the techs to become involved in my recovery process. First 5 days i was detoxing and once that was over i got super involved in the program and day by day got better each day. I received excellent nursing and medical provider support. I had amazing group therapy sessions. I was fed delicious meals every day. I had a great case manager and had a primary therapist who was absolutely perfect. The staff was absolutely first class and my treatment started me on a successful path to recovery. This place literally changed my life. They took care of my every need physically, mentally, and emotionally. I highly recommend if you need help for addiction this is where you need to be.
John Abbott
2 months ago
This place has changed my life. I have been to rehabs before but I felt like this place is where I would get clean for the last time since i walked in the doors. The music assisted therapy was perfect for me and the staff is all amazing. The groups are really beneficial and really got down to the core of why i turned to drinking every time something upset me. I felt like they really listened to me and i felt heard and seen. I am excited to continue on with alumni and events and life long friendships.
Kaylee Harris
2 months ago
|
5 5
| |
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 | 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 | View Website (570) 354-6060 | As my first experience with rehabilitation, I can genuinely say I’m so grateful that this is where I was led. The staff truly cares about every person who walks through their doors, whether they’re there for detox or completing the full program.
Throughout my stay, the staff made me feel comfortable, supported, and understood. They all have their own stories as well which makes everyone’s empathy feel even more genuine. Many of them felt more like friends I had known for years rather than people I had just met. I was able to take so much away from this experience and, most importantly, gain tools and perspectives that I know will continue to help me throughout my journey in sobriety.
I’ll forever be grateful for the incredible staff, the support they gave me, and all of the amazing people I had the opportunity to meet during my time there. This experience will always hold a special place in my heart, and I couldn’t be more thankful for the role this program has played in helping me move forward. Thank you Avenues Lake Ariel!
Edwin Johnson
5 days ago
This place teaches so much about yourself and your issues. Counselors and community are amazing
Lovely Bine
1 week ago
Highly recommend.
We’re treated like adults.
No lock down in room bed time.
Great sense of community that is protected as a whole.
Vape and cigarettes allowed and available for purchase 3 times a week.
Most comprehensive program I’ve been to.
And there’s a pool!
Joyce Epps
1 week ago
|
5 5
|
1
Top 10 Rehab in HI
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.
8.73 / 10 | 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 | Treatments Programs Payment Options | 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
3 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
3 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
4 months ago
|
6 6
| |
1
Top 10 Rehab in CO
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.
8.73 / 10 | Footprints To Recovery – Colorado is a drug and alcohol rehab located in Centennial, Colorado. They provide outpatient addiction treatment. Addiction-related services provided at Footprints to Recovery include an intensive outpatient program, a partial hospitalization program, and a basic outpatient addiction treatment program. Partial Hospitali | Treatments Programs Payment Options | The staff truly cares about their patients and provided care that met my needs. The whole program exceeded my expectations and I can’t thank everyone enough for the impact they made on my life and mental health. Deciding to seek treatment was not an easy thing for me but I am so glad I chose Footprints to Recovery. It wasn’t all just sitting around doing therapy all day and we got the chance to do yoga, art and music therapy, and also go outdoors with Adventure Recovery. If you are considering treatment I highly encourage you to invest in yourself and give Footprints a call!
Collin Cook
4 months ago
Footprints was an absolutely stellar facility to go to after completing inpatient addiction treatment. The staff were all very patient and understanding during my biggest ups and downs during treatment, and I never felt any judgement even at my lowest points.
Recovery is such a serious rock to carry but the groups and providers helped me collect the tools necessary to be able to tackle this journey on my own.
The nursing team was incredibly helpful in finding me medications that are actually helping my mental health and addiction cravings. I’ve had more success in the three months I got to share with Footprints than the years I’ve worked with my primary care and therapist.
Andrew with case management is hilarious and hugely helpful with resources and managing work and life alongside treatment.
Anika is an incredible therapist and I am sad to leave her care, but know she will continue to do amazing things for other clients.
If you are struggling with any substance abuse, I highly recommend seeking help with Footprints. They will absolutely get you back on your feet.
Hailee Burdette
5 months ago
Was able to get the help I needed. Brought my family back together and got the tools necessary to stay sober. Mental health has been restored. The staff and everyone were very friendly and very relatable.
Dylan Reeves
5 months ago
|
4
| |
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.
8.70 / 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 | 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
3 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
|
4
| |
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.
8.70 / 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 | This place saved my life! I only was going for
Detox but decided to stay for 30 days. Now I am 31 days sober! One day at a time! I have my life back! Thank you RCA!
cherie manning
2 months ago
Bracebridge was and is a lifesaver for me. Not only is the staff 100% invested and amazing, the campus, the food, and facilities definitely contribute to making the tough time a little more bearable. Special shoutout to Tammy who was my Primary Therapist. She pushed and supported me during my stay and I am eternally grateful for her. Another shoutout to Dan, the alumni coordinator. While the entire staff is amazing when you’re on the inside, Dan keeps the alumni engaged and active once you leave campus. While it sucked HAVING to be there, I absolutely loved the experience and in hindsight, I have Bracbridge to thank for giving me the tools to have my life back. I’d give 10 stars if I could.
Connie Meyers
3 months ago
My time at RCA Bracebridge Hall truly changed my life. I spent 30 days there, and it was one of the most meaningful and transformative experiences I’ve ever had.
The program was incredibly informative and gave me the tools I needed to move forward with confidence. What stood out the most, though, was the level of support. The staff genuinely care, you can feel that they have big hearts and are fully invested in helping each person succeed. They made sure I felt prepared for life after leaving, which made a huge difference for me.
I also met some amazing people during my stay, and those connections meant a lot. The facility itself is beautiful and in a peaceful location, which really helped me focus on my recovery.
One of the most valuable parts of the experience has been the alumni support group. Staying connected after leaving has been so important, and the program they’ve built is truly special. Dan, in particular, has done so much for the alumni community, and I’m incredibly grateful for his dedication and support.
I feel very blessed to have had this experience, and I would highly recommend RCA Bracebridge Hall to anyone seeking help and a fresh start.
courtney gallagher
3 months ago
|
5 5
| |
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.
8.69 / 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 | 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.
Krystina Hubbell
2 months ago
Symetria is a great place and it can really help you get better.
Trevor Stewart
2 months ago
Symetria in Hurst is full of loving and caring individuals who go above and beyond helping you in any way you need while navigating your best self, if you’re slightly thinking about checking it out, I highly reccomend it, will change your life for the better!!!
Vernon Godsey III
2 months ago
|
5 5
|
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



















































































