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.

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 Clarksville Ad 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 (524 reviews) 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 AlcoholismMental Health And Substance AbuseDrug AddictionOpioid AddictionSubstance AbuseDual DiagnosisMental Health Adult ProgramYoung Adult ProgramLGBTQ ProgramMilitary Program Private InsuranceSelf-Pay OptionsMedicaidMilitary Insurance	View Website (930) 203-1947	This is definitely the best avenues i have been to (no shade indianapolis or fort wayne yall are awesome) but the staff here really does care and has made a huge impact for my recovery, the group facilitators are amazing and give you so much knowledge behind the disease of addiction and coping skills that you can utilize in your everyday life. The therapists here are great , personally my therapist Paige is the shit!! I’ve come so far with her help. Well, with everyone’s help! Its life or death for me and I chose life thanks to the amazing staff and ladies at avenues who loved me while I was learning to love myself. In a year, I hope to come back and work as a BHT. The case managers are the bomb , meeting with you within your first two days and getting your aftercare started! Shout-out to my case manager trent he’s awesome. Thank you avenues, I love you guys. And now I can say I love myself <3 Bri Joseph 1 month ago I absolutely love this place Shanna Niles 1 month ago Avenues has been an amazing experience and has helped me in so many ways for my sobriety and has helped me with arranging aftercare as well Katy Callis 1 month ago	4
Soberman’s Estate 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 5.0 (16 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	Treatments Programs Payment Options Mental HealthSubstance AbuseAlcoholismOpioid AddictionMental Health And Substance Abuse Adult ProgramYoung Adult ProgramProgram For Men Private InsuranceSelf-Pay OptionsFinancial AidSliding Scale Payment AssistanceMedicaidMedicare	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. 7 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 7 months ago I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!! Kevin Crawford 7 months ago	5 5
St. Christopher’s Addiction Wellness Center Baton Rouge, LA 4.3 (60 reviews)	St. Christopher’s Addiction Wellness Center is an addiction rehabilitation facility in Baton Rouge, Louisiana. The center opened in 1998 with the vision of offering affordable addiction treatment. They have a residential treatment program for men along with outpatient treatment services available to men and women. They view substance use disorder	Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance Abuse Adult ProgramYoung Adult ProgramLGBTQ ProgramMilitary Program Private InsuranceSelf-Pay Options	St Christopher was a wonderful experience for me to get sober, learn about Alcoholics Anonymous, and learn about the disease and about myself. The staff from the front office down were fantastic, before, during, and after treatment. I would recommend this place to anyone Todd Landry 8 months ago I have been a professional interventionist since 2010. I was introduced to this program in 2012. I have been referring there since then. My clients have always had a positive experience and the clinical and support staff are the most responsive and knowledgeable. They want what’s best for the client and the family and have long term options. They do very well young adult males and most recently I referred a 69 year old man first time treatment. It was a family member and he’s doing very well and committed to 90 days of treatment. I can’t thank the clinical staff and administrators enough for the program they have created. Please contact me if you would like to know more. Thank you STC!!! asher levine 11 months ago This is my first time doing IOP and I luv it Mike Ramos is the best my family even luvs him good person great attitude he as a way of wanting to do right and stay right and you can tell he is genuine about his job unlike miss star he as a way of teaching addiction were you understand it always keep Mike and his little dog brisket he’s a big part of Saint Christopher’s Cedric Banks 1 year ago	5 5
All In Solutions Detox 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. 8.80 / 10 4.9 (570 reviews) 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	I will recommend this facility to anyone who is in need of a care especially an addict. The staff here has excellent knowledge. Shea 2 months ago All in Solutions changed my life. The staff here is very friendly and heart warming. Jason my counselor guided me down a healthier, sober lifestyle. Silva is an angel and helped me along the way with my marriage. HepZ is an A++++++ and my buddy Conner helped me find my higher power. I would recommend All in Solutions to anyone seeking a healthier lifestyle and sobriety. Debbie and Anthony are Rockstars and run a wonderful facility. Eric Boyer 2 months ago This facility is awesome. The staff is so caring about everyone. I would definitely recommend All in solutions. Deanna Flores 2 months ago	5 5
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 (365 reviews) 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	I have been to my share of recovery centers and this place by far was the best . Staff was amazing 👏 the community was just unbelievable. Everyone cared about each other. I’m grateful for every one there . WOULDNT have asked for a better place . Thank you for everything ❤ Taylor 1 week ago Amazing place. Great staff. Would recommend Travis Murphy 2 weeks ago EXCELLENT GROUP PROGRAMMING & INDIVIDUAL COUNSELING!!! If you’re serious about you’re recovery I highly recommend Avenues at Lake Ariel. Shout out to Val & Joe for the profound impact on the start of my recovery journey! MELISSA BRANDT 3 weeks ago	5 5
Symetria — Hurst Outpatient Rehab & Suboxone Clinic 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. 8.80 / 10 5.0 (66 reviews)	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 unbelievably amazing!!! The Hurst staff is phenomenal!!! I can’t imagine that another location has a better staff. A special shout out to Deborah, Benjamin, and Samantha of course. You all are doing amazing, amazing, selfless work. You all are very special to so many!!! Vernon Godsey III 7 months ago Huge shout out to the team at symetria who make me feel like family I appreciate everything they do and huge shout out to Osagie for helping me! He is AWESOME!!! I love you symetria❤️❤️❤️ Chloe Roseman 7 months ago 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 7 months ago	5 5
Elevate Addiction Services 3 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. 8.76 / 10 4.8 (328 reviews) 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. One of the best ranked Outpatient treatment centers in California, Elevate Addiction Services provides a wide continuum	Treatments Programs Payment Options AlcoholismDrug AddictionOpioid AddictionSubstance Abuse Adult ProgramYoung Adult ProgramLGBTQ Program Self-Pay OptionsPrivate insuranceMilitary InsurancePrivate InsuranceFinancing	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 1 month 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 1 month 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 1 month ago	5 5
Rise in Malibu 2 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. 8.74 / 10 4.8 (52 reviews) Claimed	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	Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisOpioid AddictionSubstance Abuse Adult ProgramYoung Adult Program Private InsuranceSelf-Pay Options	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. Bradley Polz 4 days ago Going to Rise was the best decision of my life. Allison was a godsend to me at a dark point in my life and was able to get me into Rise’s treatment program with short notice. The team there is unparalleled. I wish I could name everyone that were members of my treatment team at Rise, but a few shoutouts to Nam for driving my sad sack self to Rise, baking amazing bread, and being an amazing support from Day 1, Shari & Zach from nursing for the care, fun, pep talks, and compassion, Dr Mark for his wisdom and pragmatic approach that I really resonated with, and numerous others (the chefs are next-level good, Tessa, Luke, Saber, Destiny, Cesar, Cat, Michael, Terry, Adrian, etc). Outside of the fantastic staff, I’ll add that the house is gorgeous, the groups are varied and enriching, there’s a good balance between free time & groups, the rooms are comfortable and spacious, and they do a great job of ensuring that you have access to outside appointments – for example, I was able to go to Passover services while at Rise without having to go through a lot of hoops/bureaucracy. The amenities are fun and obviously appreciated, but the heart of this place is really why I would recommend it to a loved one or friend in a heartbeat. Thank you so much, Rise team!!! Hannah Lerner 1 month ago I didn’t walk in expecting much, but this place really surprised me. Detox was handled professionally and the staff genuinely cared. Residential was structured and real—not just talk. I learned a lot and I’m leaving in a much better place. Eviana Peterson 1 month ago	6 6
All In Solutions Wellness Center 3 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. 8.70 / 10 4.7 (271 reviews) 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 ProgramProgram For MenProgram For WomenYoung Adult Program Private InsuranceSelf-Pay Options	All staff extremely hospitable and helpful, Good food made for for lunch and dinner on weekend days nursing was very attentive and knowledgeable Ryan Abram 2 months ago They are really awesome and nice demetria 2 months ago The facility was clean, the staff is helpful and friendly. The facility offers groups all day where they have activities and open discussions. They have a real life chef during the week and take out on the weekends. The facility also has snacks, ice cream, multiple breakfast foods, and more. A therapist is appointed to assist that clients see at least once a week. This was my first time in treatment, but several other clients told me that this was one of the best treatment centers they had been too. I highly recommend. Hollie Hamilton 2 months ago	5 5
Hawaii Island Recovery Kailua Kona, HI 4.5 (44 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	Treatments Programs Payment Options AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid Addiction Adult ProgramMilitary Program Private InsuranceSelf-Pay OptionsFinancial AidMilitary Insurance	Hawaiian Island Recovery impressed me with their professionalism and kindness from the first meeting to the last. The therapists are well-trained and really care about you. It made all the difference that the program seemed to be made for me. Rose Allen 7 months ago This place really helped me get my life back on track. A peaceful place with great people and a calm, helpful atmosphere. I never felt like I was being judged; I just felt supported. Jennifer Haggerty 7 months ago Finally free. This place is nothing like I imagined rehab would be. Instead of feeling like a hospital, it felt like a healing retreat. The ocean, the staff, the horses… it all just worked. I found a part of myself here I thought was gone forever. Mahalo nui loa. A Google User 8 months ago	6 6

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