Health Insurance & Rehab: Comparing Major Insurance Providers

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Nikki Seay

About the Author

Medical Reviewer

Sendra Yang

About the Reviewer

Does Health Insurance Cover Drug & Alcohol Rehab?

Health insurance plans will generally cover treatment for drug and alcohol addiction and mental health conditions. That means, if you are struggling with a substance use disorder (SUD) and you have insurance, you should use your coverage to the fullest in order to get the quality care you need and deserve.

Naturally, the specific health insurance plan you carry will determine how much of your treatment is covered, as well as how much you will be asked to pay out-of-pocket.

Learn More About Health Insurance & Rehab

How to Verify Your Insurance Plan’s Coverage

Insurance coverage can be confusing. Fortunately, you can take a shortcut to find out the specifics of your insurance plan. Try one of the following tips:

• Call the phone number on the back of your insurance card.
• Contact your provider directly through their website.
• Read more about your plan on the company website.
• Call a rehab facility and ask them about the types of insurance plans they accept.

What Types of Insurance Plans Are Available?

When looking to purchase health insurance, you will notice there are five common types of health insurance plans. Generally referred to by their acronyms, those types of plans are:

• PPO: Preferred provider organization (PPO) plans allow you to choose your own doctors and rehab treatment facilities, and they don’t require referrals to see specialists. You’ll pay more out-of-pocket costs with this type of plan.
• HMO: Health maintenance organization (HMO) plans feature lower monthly premiums but higher deductibles. An HMO offers a network of healthcare providers that are approved by the insurance company. Treatment from out-of-network providers is not covered, and referrals are required to see specialists.
• POS : Point of service (POS) plans are a mix of PPO and HMO benefits. They offer coverage for out-of-network providers, but if you choose “in-network” providers, you receive a discount. They also require referrals to see specialists.
• EPO: Exclusive provider organization (EPO) plans don’t require referrals to see specialists. However, they don’t offer coverage for out-of-network providers.
• HDHP: High-deductible health plans (HDHP) feature a sizable annual deductible but lower monthly premiums. HDHPs usually cover preventive care with no copay required.

Coverage Details for Major Health Insurance Providers

While it’s best to check with your insurance provider for specific details on what’s covered under your plan, below you’ll find a list of 20 major health insurance providers and generalized coverage details for alcohol and drug addiction treatment.

Aetna 

Your Aetna health insurance plan covers substance abuse treatment. The amount of coverage depends on your specific plan, the treatment you choose, and whether the drug or alcohol rehab is in-network or out-of-network. To learn more about your coverage and any out-of-pocket expenses, call the number on the back of your insurance card to speak with an Aetna representative.

Does Aetna Cover Drug and Alcohol Rehab?

Yes. Plans very, but individual coverage may include the following types of substance abuse treatment programs:

• Detoxification
• Inpatient rehabilitation
• Partial hospitalization programs (PHP)
• Intensive outpatient programs (IOP)
• Aftercare programs

Medication-Assisted Treatment: Does Aetna Cover Suboxone & Methadone?

Another form of substance abuse treatment is medication assisted treatment (MAT). This is a form of outpatient treatment that uses FDA-approved medications to treat addiction. Suboxone and Methadone are two of the most commonly prescribed medications for MAT. These prescriptions are covered by some Aetna plans. Some may cover a generic form of Suboxone instead of the brand name, and you may need to cover co-pays for the prescriptions.

Aetna Mental Health & Behavioral Health Coverage

Aetna’s behavioral health benefits include treatment for substance use disorders and mental health disorders. For those struggling with mental health concerns such as anxiety or depression, Aetna medical plans provide resources and support. Resources include crisis support, preventive care, and treatment. Aetna members can visit the Aetna website to find mental and behavioral health resources near them and learn which providers are in network and covered by their insurance plan.

Covered services include:

• Counseling
• Inpatient mental health care
• Intensive outpatient treatment
• Medication treatment for behavioral health disorders
• Substance use disorder treatment

American Family Insurance

American Family Insurance (AFI) offers coverage for rehab services. The Affordable Care Act requires AFI to cover substance use treatment to the same extent that they do other medical treatment. Various plans provide partial or complete coverage of the cost. The out-of-pocket cost for treatment varies, based on what state you live in, which plan you choose, and whether the rehab facility is in-network or out-of-network.

Does American Family Cover Drug and Alcohol Rehab?

Yes, American Family provides coverage for drug and alcohol rehab at varying levels. Plans typically cover at least part of the cost for the following:

• Screening
• Extended stays at rehab facilities
• Inpatient therapy
• Detoxification
• Outpatient sessions
• Support group attendance

Medication-Assisted Treatment: Does American Family Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another common form of substance use treatment that may be covered by American Family plans. MAT uses FDA-approved medications, combined with behavioral therapies, to treat addiction. Suboxone and methadone are commonly used for MAT, so they may be covered as part of your treatment. However, copays may apply, and the cost varies based on your plan.

American Family Mental Health & Behavioral Health Coverage

Federal law requires insurance companies to provide mental and behavioral health coverage equal to or better than their medical coverage. For example, if a copay for a surgical office visit is $20, American Family can’t charge more than a $20 copay for a mental health professional visit. However, coverage varies based on the level of the plan and the type of treatment.

Typical behavioral health services covered by insurance include:

• Counseling
• Inpatient mental health care
• Intensive outpatient mental health programs
• Medication treatment for behavioral health disorders
• Substance use disorder treatment

AmeriHealth

AmeriHealth offers insurance coverage for drug addiction and alcohol abuse. However, not all plans cover both detoxification and rehabilitation. The level of coverage varies based on your policy. Contact AmeriHealth directly by calling the number on the back of your insurance card to learn what coverage your plan offers.

Does AmeriHealth Cover Drug and Alcohol Rehab?

Yes. Federal law requires all insurance providers to cover drug rehab treatment to some extent. AmeriHealth may cover:

• Screening
• Inpatient treatment
• Outpatient treatment
• Extended care programming
• You may be allocated up to 30 outpatient visits per year.
• Residential treatment windows range from five to 30 days.

Medication-Assisted Treatment: Does American Family Cover Suboxone & Methadone?

Another common type of substance abuse treatment is medication-assisted treatment (MAT). This combines counseling and behavioral therapies with the use of medication to treat substance use disorders. Suboxone is usually covered at least in part by AmeriHealth insurance, but coverage varies by state. Your AmeriHealth plan may cover methadone treatment if it is prescribed as a medically necessary MAT.

AmeriHealth Mental Health & Behavioral Health Coverage

AmeriHealth behavioral and mental health services are provided through a managed care organization that is based in the member’s county of residence. As with substance use disorders, insurance companies are required to provide coverage for mental health disorder treatment. Both co-occurring disorder treatment and stand-alone mental health treatment fall under this law.

Behavioral health resources available through AmeriHealth include:

• Customer care advocates
• Behavioral health case managers
• Telebehavioral health services

Addiction treatment also falls under behavioral health coverage. The percentage of rehab treatment costs that are covered by insurance varies by plan.

AmWINS

AMWINS offers coverage for drug and alcohol addiction treatment. The cost to you depends on a number of factors, including the type of plan you have, your location, and the treatment program you choose.

Does AmWINS Cover Drug and Alcohol Rehab?

AmWINS is required by federal law to provide coverage for addiction treatment to the same degree that it covers medical/surgical procedures. Types of covered treatment include:

• Inpatient drug rehab
• Detoxification
• Treatment for alcoholism
• Mental health care (therapy)
• Intensive outpatient programming
• Outpatient addiction treatment
• Continuing care
• Short- and long-term programs

Medication-Assisted Treatment: Does AmWINS Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another form of treatment available for substance use disorders. Prescribed medication is combined with behavioral therapies to address both the physical and emotional sides of addiction. Suboxone and methadone are two of the most commonly used FDA-approved drugs for MAT and may be covered by your AmWINS plan under prescriptions or general medical treatment.

AmWINS Mental Health & Behavioral Health Coverage

Behavioral health typically encompasses mental health and substance use concerns. Common services that are covered include counseling, assessments, inpatient treatment, and outpatient treatment.

Mental health coverage is protected by law in the same way that substance use treatment is protected. AmWINS must provide at least some coverage for this treatment. However, some AmWINS plans may exclude counseling services. Always check with your provider to determine which treatment types are covered by your specific plan.

Assurant

Assurant offers patients full access to inpatient and outpatient drug or alcohol rehab programs. Coverage for these services varies by state and by plan. Contact Assurant directly to confirm the specifics of your plan coverage.

Does Assurant Cover Drug and Alcohol Rehab?

Yes, Assurant insurance offers coverage for drug rehab treatment. The portion you must pay depends on the specifics of your plan, where you live, and what type of treatment you receive. Coverage may include the following types of treatment:

• Detoxification
• Residential treatment
• Outpatient care
• Counseling
• Psychotherapy

Medication-Assisted Treatment: Does Assurant Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another form of treatment available for opioid and alcohol addiction that may be covered by Assurant plans. This treatment uses medication, combined with behavioral therapies, to treat substance use disorders. Many insurance plans cover Suboxone and methadone treatments, since these are two of the FDA-approved medications often used for MAT.

Assurant Mental Health & Behavioral Health Coverage

The umbrella of behavioral health often encompasses both mental health and substance use disorders. Assurant behavioral health coverage is a valuable part of insurance plans. This coverage can help you pay for counseling, outpatient, and inpatient services to treat mental and health concerns.

Laws passed in recent years ensure that mental and behavioral health coverage is part of your plan with Assurant. Insurance providers are required to handle these types of treatment as they do other medical services, and to pay for at least part of the cost. However, coverage varies based on your location, your plan, and the treatment you receive.

Beacon Health Options

Beacon Health Options offer coverage for addiction treatment services. The amount of coverage and the requirements to qualify depend on your unique policy. This means that the cost of drug and alcohol addiction treatment varies from person to person.

Does Beacon Health Options Cover Drug and Alcohol Rehab?

Yes. Beacon Health Options plans provide substance use disorder solutions, including drug and alcohol rehab. Covered services include:

• Acute detoxification
• Inpatient rehab
• Outpatient addiction treatment

Medication-Assisted Treatment: Does Beacon Health Options Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another form of treatment often used for opioid and alcohol addiction programs, in conjunction with behavioral therapies. It involves prescribing FDA-approved medications to treat substance use disorders. Suboxone and methadone are considered standard treatment protocols, so these medications may be covered in part or in full by your Beacon Health Options plan.

Beacon Health Options Mental Health & Behavioral Health Coverage

Beacon Health Options plans provide specialty mental health solutions. Services that may be covered by your plan include depression management, psychiatric disability management, and outpatient services.

Federal law requires Beacon Health Options to provide mental and behavioral health treatment coverage at the same level as other medical treatment. Most Beacon Health Options insurance policies cover a variety of behavioral health services. These encompass both mental health treatment and drug and alcohol rehab services. This coverage can vary by plan and the type of treatment received.

Blue Cross Blue Shield (BCBS)

BCBS is actually a combination of 36 affiliated insurance companies. Their companies and licensees vary by state. Depending on your policy, Blue Cross Blue Shield may cover addiction treatment at various levels. You can check with your provider directly to determine what is covered under your specific policy.

Does BCBS Cover Drug and Alcohol Rehab?

BSBS drug rehab coverage includes inpatient and outpatient programs. Coverage varies from partial to full. Plans may offer coverage for luxury, private, or executive treatment plans, depending on your policy. BCBS contains so many individual companies, it is common for each to hold its own unique policies, which vary in coverage. For example, the Federal Employee Program covers individual and group therapy sessions which you attend during outpatient rehab, but you would be responsible for the copay.

Medication-Assisted Treatment: Does BCBS Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is a common form of treatment used to address alcohol and opioid use disorders with the use of FDA-approved medications. As standard medications for MAT, Suboxone and methadone are often covered under BCBS plans.

BCBS Mental Health & Behavioral Health Coverage

BCBS health plans cover behavioral health, which includes both mental health services and substance use disorder treatment. This is due to the Affordable Care Act, which requires that insurance companies cover mental health treatment to at least some extent.

Many types of mental health services are covered by BCBS plans. Most network plans include coverage for residential treatment, emergency mental health care, applied behavioral analysis, and group therapy. Typically, various types of inpatient and outpatient care are covered in part or in full. However, plans may have requirements that must be met for coverage to apply.

CareFirst

CareFirst has designed a behavioral health and substance abuse disorder program to provide plan holders with access to addiction treatment. Depending on your plan, you may be eligible for reduced rate drug and alcohol detox services. For members who receive addiction-only services at a preferred treatment center, some CareFirst plans will waive deductibles, coinsurance and copayments.

Does CareFirst Cover Drug and Alcohol Rehab?

Yes. Depending on your specific plan, you may receive significant coverage for:

• Inpatient drug addiction treatment
• Treatment for alcoholism
• Medical detox
• Medication-assisted treatment (MAT)
• Outpatient drug treatment

Medication-Assisted Treatment: Does CareFirst Cover Suboxone & Methadone?

Another form of treatment that may be covered by your CareFirst plan is medication assisted treatment (MAT). MAT is the use of medications, combined with behavioral therapies, to treat addiction. Your CareFirst insurance plan may cover Suboxone and methadone MAT. However, you will need preauthorization from CareFirst for the prescriptions. The amount of co-pay varies by plan.

CareFirst Mental Health & Behavioral Health Coverage

Those with CareFirst insurance gain access to a preferred network of behavioral and mental healthcare providers and addiction treatment centers. Providers include registered nurses, licensed behavioral health clinicians, and specially trained mental health representatives. You can contact CareFirst directly to be connected to this network of providers and choose a specialist near you.

CareFirst is required to handle mental health and behavioral conditions in the same manner they treat medical conditions. That means your coverage for mental and behavioral health treatment should be the same or better than for physical check-ups, surgeries, etc. The percentage of coverage and any copays involved depend on where you live, the treatment provider, and your specific plan.

Centene Insurance

Centene insurance provides several plans that cover drug and alcohol rehab. This is part of Centene’s comprehensive approach to offering holistic care for their members. Services covered may include holistic therapies or evidence-based methods.

Does Centene Cover Drug and Alcohol Rehab?

Centene plans cover both inpatient and outpatient addiction treatment. However, the amount of coverage varies by plan and state. Depending on individual policy, Centene insurance may cover specific rehabilitative services, including but not limited to:

• Medication-assisted treatment
• Inpatient or residential rehab
• Medically supervised detoxification
• Outpatient treatment programs
• Continuing care
• Dual diagnosis therapies

Medication-Assisted Treatment: Does Centene Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another form of treatment available for alcohol and opioid addictions. With this form of treatment, FDA-approved medications are combined with other therapies to treat substance use disorders. Centene plans cover expenses for any prescription medications that are required for your addiction treatment, such as Suboxone or methadone. The specific plan determines how much you’ll have to pay out-of-pocket.

Centene Mental Health & Behavioral Health Coverage

Behavioral health encompasses both mental health and substance use treatment. Centene offers resources to support members who are experiencing stress, anxiety, depression, and other mental and behavioral health concerns.

Both inpatient and outpatient services are covered by various Centene plans. Insurance also covers therapy services you receive at a rehab facility. Common types of therapy that may be covered by your insurance plan include:

• Cognitive behavioral therapy (CBT)
• Dialectical behavior therapy (DBT)
• Motivational interviewing
• Trauma-based therapy

Cigna

Cigna offers multiple health insurance plans. Some cover all types of substance abuse treatment, and others cover only certain types of programs. To determine what treatment is covered under your plan, call the number on the back of your insurance card.

Does Cigna Cover Drug and Alcohol Rehab?

Cigna rehab coverage varies based on individual plans. However, they cover:

• Detoxification – medically supervised cessation of drug use
• Inpatient and outpatient drug rehabilitation programs
• Group and individual counseling
• Medication management

Medication-Assisted Treatment: Does Cigna Cover Suboxone & Methadone?

Often, treatment providers combine prescription medications with other therapies to treat opioid or alcohol addictions. This is called medication-assisted treatment (MAT). Suboxone and methadone are two of the FDA-approved medications for MAT. These prescriptions may be covered under your Cigna plan, depending on your medical needs and the type of plan you have.

Cigna Mental Health & Behavioral Health Coverage

Cigna plans cover treatment of mental and behavioral health conditions. The amount of coverage depends on your specific plan. These benefits are often included under employer-sponsored plans.

Cigna plan benefits include access to various mental health services. These may include:

• Referrals to local support groups
• Consultations and referrals to outpatient services
• Mental health and case management services
• The Behavioral Health network of licensed mental health providers
• Virtual counseling sessions
• Crisis support

ComPsych 

ComPsych’s benefits cover all aspects of the Mental Health Parity and Addiction Equity Act of 2008. This legislation requires insurers to provide coverage for behavioral health services, which includes substance abuse treatment. You can call the number on the back of your insurance card to verify the exact coverage your plan provides.

Does ComPsych Cover Drug and Alcohol Rehab?

ComPsych benefits cover a variety of drug and alcohol rehab programs. Treatment that may be covered by your plan includes:

• Detoxification
• Residential addiction treatment
• Outpatient programs
• Partial hospitalization programming
• Family counseling and intervention services

Medication-Assisted Treatment: Does ComPsych Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) uses FDA-approved medications along with therapy to treat substance use disorders. Depending on the specifics of your plan, MAT medications such as Suboxone and methadone may be covered in part or in full.

ComPsych Mental Health & Behavioral Health Coverage

ComPsych is an Employee Assistance Program provider. This means mental and behavioral health coverage is fully integrated into ComPsych’s plan options. This type of coverage can help you access treatment for addiction and co-occurring disorders.

ComPsych plans are tailored to an employer’s budget, needs, and other considerations, which makes each plan unique. However, all plans offer some coverage of mental and behavioral health treatment. Contact your employer or ComPsych to verify what benefits are covered under your company’s plan.

Coventry

Coventry plans offer some level of coverage for substance abuse. However, the level of benefits provided by your Coventry plan depend on the state where you live and the type of plan you purchased. You’ll need to contact Coventry directly to confirm how much is covered under your specific plan.

Does Coventry Cover Drug and Alcohol Rehab?

Coventry health insurance covers a variety of drug and alcohol rehab services. These include:

• Inpatient treatment
• Acute rehabilitation
• Day treatment (outpatient)
• Group therapy
• Follow-up outreach (aftercare)

Medication-Assisted Treatment: Does Coventry Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) is another form of treatment available for alcohol and opioid addictions. MAT is the use of medications in conjunction with counseling and other behavioral therapies to treat alcohol use disorder or opioid use disorder. Several medications are FDA-approved for this practice, including Suboxone and methadone. Prescriptions for these medications may be covered under your Coventry health plan if your medical history demonstrates the need for them.

Coventry Mental Health & Behavioral Health Coverage

Coventry provides mental health coverage through MHNet. These plans include customized benefits for each member. Individuals can access a comprehensive network of mental health treatment providers through this coverage. Some of the services available include treatment from general psychiatrists, psychologists, child and adolescent psychologists, and counselors.

Behavioral health is considered an essential benefit. The Affordable Care Act requires all insurance carriers to cover behavioral health treatment. This includes psychotherapy and counseling. Specific behavioral health benefits vary based on the state of residence and individual plans. Depending on the Coventry plan, you may be responsible for 20-40% of treatment costs.

Humana 

As one of the largest healthcare providers in the U.S., Humana offers multiple plans with coverage for substance use disorders. Plans with coverage for behavioral health can help members at any stage of recovery. Contact Humana directly to confirm what coverage is provided under your plan.

Does Humana Cover Drug and Alcohol Rehab?

Depending on where you live and the specific provisions of your plan, Humana may cover some of the costs of:

• Inpatient services
• Detox
• Outpatient services
• Aftercare services
• Treatment for co-occurring disorders

Medication-Assisted Treatment: Does Humana Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) uses FDA-approved medications along with other therapy to treat addiction. Humana insurance coverage for MAT prescriptions, such as Suboxone and methadone, depends on whether your treatment provider is in-network for your plan.

Humana Mental Health & Behavioral Health Coverage

Mental and behavioral health coverage is available for Humana members. Humana offers a network of 65,000 mental and behavioral health professionals. Many of Humana’s mental and behavioral health services are provided by the company’s subsidiary, Humana Behavioral Health.

Humana covers behavioral and mental health services. However, many of these treatments require preauthorization before they will be covered by insurance. Before you enroll in a program, be sure to contact your insurance provider.

Kaiser Permanente 

Kaiser Permanente provides coverage for substance abuse, but specific coverage varies among plans. The amount of coverage is largely determined by your state of residence, in-network and out-of-network status of the provider, the length of treatment, and your insurance plan level.

To learn more about your coverage and any out-of-pocket expenses, call the number on the back of your Kaiser Permanente insurance card.

Does Kaiser Permanente Cover Drug and Alcohol Rehab?

Kaiser Permanente plans offer various levels of coverage for different types of rehab. The types of treatment that may be covered by your plan include:

• Detox
• Inpatient Rehab
• Outpatient Rehab
• Intensive Outpatient Programs (IOP)
• Partial Hospitalization Programs (PHP)

Medication-Assisted Treatment: Does Kaiser Permanente Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) uses FDA-approved medication, combined with other therapies, to treat opioid and alcohol use disorders. Suboxone and methadone are two of the most commonly prescribed medications for MAT. Kaiser Permanente offers plans that can help with the cost of these prescriptions.

Kaiser Permanente Mental Health & Behavioral Health Coverage

Kaiser Permanente members have access to multiple options for mental and behavioral health care. Options include primary care, emergency care, and specialty care. Self-care tools and resources are also available at no cost.

Nearly all Kaiser Permanente plans include coverage for mental and behavioral health treatment. Types of covered treatment include support groups, therapy, health classes, and addiction treatment.

Magellan Health

Magellan covers treatment for most drug and alcohol use disorders. The Affordable Care Act requires Magellan Health to cover substance use treatment to the same extent that they cover other types of care. Out-of-pocket costs depend on where you live, your specific plan, and whether the treatment provider is in-network or out-of-network.

Does Magellan Health Cover Drug and Alcohol Rehab?

Magellan Health’s insurance plans cover substance abuse treatment after detoxification has been approved. If rehabilitation services are mandated by an employee assistance program, Magellan will pay for all (or part) of the treatment.

For inpatient treatment, the length of stay covered by Magellan Health varies based on their determination. Private consultations are required to assess whether inpatient or outpatient treatment is the best fit for you. For outpatient cases, there is a 10% copay. After this, Magellan will cover the remaining 90% for in-network facilities, or 50% for out-of-network providers.

Medication-Assisted Treatment: Does Magellan Health Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) combines FDA-approved medications with evidence-based therapies to treat addiction. Suboxone and methadone are often used for MAT. Your Magellan insurance may help cover the cost of these medications. Coverage may fall under behavioral health or prescription medications.

Magellan Health Mental Health & Behavioral Health Coverage

Magellan Health’s Behavioral Healthcare services is a central part of their offerings. These provide coverage and support for mental health and substance use disorders. Magellan’s resources can provide assistance for addiction and co-occurring disorders.

Laws governing insurance providers requires that Magellan Health plans cover mental health and behavioral health to some extent. The types of services that may be covered by your plan include behavioral health screenings, support groups, clinical programs, case management, and addiction treatment.

Medical Mutual Insurance 

Medical Mutual will cover at least some of your substance abuse treatment. The Affordable Care Act requires all insurance providers to include coverage for addiction treatment. However, the amount of coverage and the types of treatment covered varies by company and plan. Contact Medical Mutual directly to confirm what coverage is provided by your plan and what your out-of-pocket expenses will be.

Does Medical Mutual Cover Drug and Alcohol Rehab?

The treatment and recovery services covered by Medical Mutual insurance plans include:

• Inpatient rehabilitation
• Residential addiction treatment
• Outpatient rehab services
• Medically supervised detoxification
• Medication-Assisted Treatment (MAT)
• Behavioral health treatment
• Mental health services
• Rehabilitative services and devices

Medication-Assisted Treatment: Does Medical Mutual Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) involves prescribing medications such as Suboxone and methadone to treat opioid use disorder. MAT may be covered by your Medical Mutual plan, but coverage probably depends on whether you choose a treatment provider that is in-network or out-of-network.

Medical Mutual Mental Health & Behavioral Health Coverage

Mental health treatment is covered by Medical Mutual health plans. It’s important to find an in-network provider to take advantage of this coverage. Medical Mutual members can visit the company’s website to find appropriate mental health care professionals who are covered by their plan.

Mental and behavioral health services are covered by Medical Mutual plans. These services include treatment for substance use disorders as well as anxiety, depression, and other mental health concerns. Both inpatient and outpatient treatment are covered by Medical Mutual plans, as well as telehealth options. Copays may be required. Members should refer to their Summary of Benefits and Coverage to learn more.

Molina 

Molina partners with government organizations to provide Medicaid, Medicare, and children’s health insurance plans. Because the company is a coverage coordinator, their options are based on local, state, and federal requirements. Substance abuse treatment may be partially or fully covered by your Molina plan.

Does Molina Cover Drug and Alcohol Rehab?

Coverage options vary by location, but Molina will cover some treatment costs, depending on your plan. Covered treatments include:

• Detoxification
• Psychiatric evaluation
• Residential/inpatient treatment
• Day treatment (outpatient)
• Partial hospitalization

Medication-Assisted Treatment: Does Molina Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) combines behavioral therapy with FDA-approved medication to treat alcohol and opioid use disorders. MAT may be partially or fully covered by your Molina Healthcare plan.

Molina Mental Health & Behavioral Health Coverage

Molina covers mental health and behavioral health services. You must receive services from a provider that is in-network with Molina Healthcare. You can call Molina or visit their Find a Provider page to connect with a specialist whose services are covered by your plan.

Molina Healthcare covers mental health and behavioral health services from licensed specialists. Covered services include:

• Inpatient services
• Outpatient services
• Doctor visits

TRICARE 

TRICARE serves U.S. military personnel with insurance coverage. To qualify, you must be currently active, retired, or related to someone who is covered by a TRICARE insurance policy. TRICARE covers addiction treatment services, but each case requires review from the insurer before moving forward.

Does TRICARE Cover Drug and Alcohol Rehab?

Yes. Once your case is reviewed and approved for coverage, you plan may cover the following types of drug and alcohol rehab services:

• Detox
• Residential treatment
• Outpatient treatment
• Partial hospitalization

Medication-Assisted Treatment: Does TRICARE Cover Suboxone & Methadone?

Medication-assisted treatment (MAT) combines mental health therapies and prescription drugs to treat substance use disorders. Suboxone and methadone are two of the FDA-approved drugs used for MAT. These are covered if the TRICARE authorized provider is certified by the DEA to prescribe the medications.

TRICARE Mental Health & Behavioral Health Coverage

TRICARE offers coverage for a variety of medically necessary mental and behavioral health services for military personnel and their family members. However, these services may require a referral or preauthorization. Always contact your TRICARE provider before you see a mental health specialist to confirm coverage.

Covered treatments include:

• Applied behavior analysis
• Autism spectrum disorder
• Cognitive rehabilitation therapy
• Detox
• Eating disorder treatment
• Emergency inpatient hospitalization
• Substance use treatment

United Healthcare

United Healthcare typically covers substance abuse treatment programs. By law, insurers must cover this type of treatment to some extent. However, the coverage varies depending on each specific plan, the member’s location, and the service provider. You can contact United Healthcare directly to find approved providers nearby.

Does United Healthcare Cover Drug and Alcohol Rehab?

Yes. Some policies may have pre-certification requirements depending on the services provided and whether the program is inpatient or outpatient. Drug and alcohol addiction services included in United Healthcare policies often consist of:

• Inpatient hospital detoxification
• Outpatient detoxification
• Inpatient rehabilitation
• Outpatient alcohol and drug abuse rehabilitation

Medication-Assisted Treatment: Does United Healthcare Cover Suboxone & Methadone?

United Healthcare plans typically cover medication-assisted treatment (MAT). This treatment involves prescribing FDA-approved medications such as Suboxone and methadone to treat addiction. These medications may be costly under a United Healthcare plan, because they fall under the highest tier of covered medications. Generic versions of these medications can reduce out-of-pocket expenses.

United Healthcare Mental Health & Behavioral Health Coverage

United Behavioral Health manages behavioral health services for United Healthcare members. These services include treatment of substance use disorders, ADHD, depression, and other mental health concerns. United Healthcare offers screening tools and other free resources on their website.

Coverage for mental and behavioral health services depends on the benefits provided by your plan. However, all insurance providers are required to provide some coverage for these services.

Typical services that are covered by United Healthcare plans include:

• Testing
• Therapy
• Substance use treatment
• Medication management
• Mental health treatments