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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 | |
|---|---|---|---|---|---|
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 Bloomington, IN | 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 Addiction Alcoholism Opioid Addiction Dual Diagnosis Mental Health and Substance Abuse Substance Abuse  Adult Program Young Adult Program Seniors Program LGBTQ Program Military Program  Private Insurance Self-Pay Options Military Insurance Financial Aid | View Website (930) 203-1400 | 
This place damn near saved my life. Staff is amazing and care almost on a personal level. Nurses are knowledgeable and groups are interactive informative and inclusive.
Edit*
Shout out to Beth, Nora and Carter! Made a great impact on my recovery!
V Montez
1 week ago
I learned a lot from this place. They’re really good at bringing everything out that you need to say in under to recovery. Thanks for everything. You guys have changed my life
Megan Tipton
2 weeks ago
Boca recovery was a magical experience during a very difficult time that will always hold a special place in my heart. From top to bottom, the support of staff is second to none.
Tyler and Carrie, Carter, Alexx, Ashley, Brooke, Michelle, Meagan, and the rest of the techs are phenomenal. My therapist January opened my eyes to perspectives I had been missing my entire life and Justin the case manager worked tirelessly from the start all the way until his wife gave birth on my last day to make sure I was set up for success.
The nurses are amazing and the medical attention someone needs during this portion of their recovery is 110% offered around the clock.
The place has everything you need from a gym to recreational activities, spacious beds with luxury amenities. And one cannot go without mentioning the chef, Tim. You won’t find better “rehab food” and conversation.
I owe a thank you to the director John for his efforts to get me into a great program after my stay was over.
To anyone struggling with with mental health and/or addiction, I cannot shout praises loud enough for what this program has to offer each and every client that walks through those doors.
If you want a way out, there’s no better place to check in.
Alex K
1 month ago
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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 Mental HealthSubstance AbuseAlcoholismOpioid AddictionMental Health And Substance Abuse Adult ProgramYoung Adult Program Program For Men Private InsuranceSelf-Pay OptionsFinancial Aid Sliding Scale Payment Assistance Medicaid Medicare | 
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.
3 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
4 months ago
I had a great experience overall and would recommend it to anyone wanted to jump start their sobriety!!
Kevin Crawford
4 months ago
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5 5 
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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.
8.81 / 10  Claimed | All In Solutions Detox in Simi Valley is one of the best ranked inpatient detox facilities in California providing safe, medically supervised care for individuals beginning their recovery from drug or alcohol addiction. As part of the All In Solutions Behavioral Health network, this facility serves as the first step in a full continuum of care. Cli | Treatments Programs Payment Options AlcoholismDrug AddictionMental Health And Substance AbuseOpioid AddictionSubstance AbuseDual Diagnosis Adult ProgramYoung Adult ProgramProgram For Men Program For Women Private InsuranceSelf-Pay Options | 
I had an amazing experience and really enjoyed getting to know the staff and my fellow peers in groups. The staff really cares about your recovery and you will feel better every day. The food is good too lol.
Desiree
1 week ago
I loved it here it was a great place to be would definitely recommend to anyone wanting to get sober thank yall!
Kyle Robinson
1 week ago
i owe it all to this place. 100% recommend if you’re serious about your recovery. thanks AIS ❤️
maddy chacos
1 week ago
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5 5 
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1
Top 10 Rehab in TX
Rehab Score
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center’s quality right now.
8.80 / 10 | Symetria – Hurst Outpatient Rehab and Suboxone Clinic in Hurst, Texas, is a private drug rehabilitation clinic for adults. One of the best outpatient rehab centers in Texas, Symetria offers various withdrawal medications to help clients get started with their recovery journey. You’ll also have access to treatments such as the intensive outp | Treatments Programs Payment Options Substance AbuseAlcoholismOpioid Addiction Adult ProgramYoung Adult Program Private InsuranceSelf-Pay OptionsMedicareMilitary Insurance | 
Symetria is 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
3 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
4 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
4 months ago
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5 5 
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Avenues Recovery Center at Lake ArielAd This is an ad and Avenues Recovery Center at Lake Ariel is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More Lake Ariel, PA Claimed | Clients seeking treatment for alcohol addiction may be required to undergo detox first. As one of the best detox facilities in Pennsylvania, the process at Avenues Recovery Center ensures any abused substances are out of a client’s system and that they are in a healthy frame of mind when they enter residential treatment. Detox is overseen and | Treatments Programs Payment Options Substance AbuseAlcoholismDrug AddictionMental Health And Substance AbuseDual Diagnosis Adult Program Private InsuranceSelf-Pay OptionsMilitary Insurance | View Website (570) 354-6060 | 
Staff is incredible! Joey was a great help for my recovery.
Kurt Adams
3 weeks ago
This was a great place to start over very laid back. Food counselors and techs are great
Jeremie Czekalski
3 weeks ago
Been sober a few months now thanks to this place. My counselor Val helped me through some of the hardest moments of my life and supported me & my family every step of the way. Addiction took over my life and nearly destroyed my relationship with my family. I would not be here if it was not for her, Avenues and the wonderful staff they have there. Tyler, Cassie and Joe Kane were also a big help. Would recommend to anyone needing help.
Chris
4 weeks ago
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5 5 
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1
Top 10 Rehab in NJ
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 Claimed | 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 MenProgram For WomenSeniors ProgramLGBTQ ProgramMilitary Program Private InsuranceSelf-Pay OptionsMilitary InsuranceFinancial Aid | 
My sobriety journey started at Boca. The staff members including Miss Tracey, Hannah and Kevin their alumni coordinator have completely flipped the trajectory of my life. I was immediately taken in with open caring arms and they made my detox process as comfortable as possible. During my stay, Joe was extremely helpful in helping me slowly gain my appetite back and start to feel stronger and was so attentive to my nutritional health. Nurse Patrick was so kind to me during my intake and Kevin still reaches out to me very often to check in and is so helpful in my recovery process. I owe gaining my life, my strength and my family back to Boca and I am eternally grateful❤️
Rianna Dean
1 month ago
Great facility with even greater staff. One of the best rehab/detox in South, NJ.
Donna Kratzer
1 month ago
Very comfortable stay
Will
1 month ago
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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.
8.77 / 10 | 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 | 
Coming from Canada, I was hesitant. But God knew that S2L was exactly where I needed to be. At 64 years of age, I was able to discover my true identity, purpose, and mission in Christ. They help you in trying to get clean and sober for sure. But what S2L and the staff are all about is the Gospel of Jesus Christ. That’s why it is so successful.
TIM TANNER
4 months ago
I’ve had the privilege of seeing the life-changing impact this ministry has on countless men & I can’t recommend it highly enough! God has His Hand on this ministry & I’m honored to see the Lord work in these men!
Hunter Stanfield
4 months ago
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
4 months ago
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1
Top 10 Rehab in PA
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 | 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 | 
Good place, great housing
Nicole Rivera
2 months ago
Amazing support network and great staff lovely time with my stay at STR buck
William Perry
3 months ago
My experience at Steps to Recovery has been great for the most part, the people and the environment are very welcoming and comforting. I have had some issues that have come up, but they usually get resolved. My only main gripe is with some of the other clients at the community living house fail to clean up after themselves, and some do not know self control. But, the staff here is very professional and easy to talk to. I find that the opportunities here for my recovery journey are pretty good, although I’d like access to more holistic therapy resources. I’ve actually personally facilitated a Dharma meeting and will facilitate more in the future. I appreciate my time here at STR and am excited for the future with them.
Jerry Davis
3 months ago
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6 6 
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Avenues Recovery Center at ClarksvilleAd This is an ad and Avenues Recovery Center at Clarksville is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More Clarksville, IN Claimed | Avenues Recovery Center in Clarksville, Indiana, is an inpatient drug and alcohol detox and rehab center. They strive to provide individuals receiving treatment with a loving environment and attentive medical care. You’ll be away from toxic environments and triggers and have the opportunity to focus on developing life skills that will support you | Treatments Programs Payment Options 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 | 
I highly recommend Avenues. The staff is absolutely amazing and very helpful. They treat you like family. Star, Jenny, Tarah, Paige, Monica, and both Amanda’s really helped me through.
Dana Key
3 weeks ago
It was a great experience great people thank you .
Jessica Fulkerson
3 weeks ago
This facility has been life saving. I am so grateful to be able to have gotten the help they had offered.
Nikki
3 weeks ago
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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 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 Insurance Financing | 
Elevate was an awesome experience. I learned a lot about myself and I now have the tools for long term sobriety
Colin Yan
6 days ago
Elevate has been a life changing experience. The staff is very professional and compassionate. The community of clients is very special and the morale is unlike anywhere else. I would highly highly recommend Elevate Addiction Services to anyone struggling with addiction. From detox to the very end of your stay you are well taken care of.
Travis Boe
6 days ago
I have been through other treatment facilities in the past; but Elevate has by far been the best experience I could’ve hoped for. Recovery isn’t just the ability to abstain from substances, but the capability of transforming from within. Not only has Elevate help me appreciate the things within me but everything around me as well. Thank you, Elevate for changing the trajectory of my life and my marriage!!
Michael Amodeo
1 month ago
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5 5 
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Resources
- Key Substance Use and Mental Health Indicators in the United States: Results From the 2015 National Survey on Drug Use and Health. Bethesda, MD: Substance Abuse and Mental Health Services Administration; 2016.
- What’s included as income. (2019). HealthCare.gov. https://www.healthcare.gov/income-and-household-information/income/
- Substance Abuse and Mental Health Services Administration. (2014 November). Medicaid Coverage and Financing of Medications to Treat Alcohol and Opioid Use Disorders.
- Medicaid.gov. (2021). Eligibility.
- Disclaimer Medicare Coverage of Substance Abuse Services. (n.d.).Centers for Medicare & Medicaid Services https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNMattersArticles/downloads/SE1604.pdf
