Does Insurance Cover Rehab?

Drug addiction is a serious problem in our society today. Drug abuse has become a major health issue affecting millions of Americans. 

If you or someone you love suffers from substance abuse, you might wonder whether they qualify for insurance coverage for treatment.

Insurance companies often offer limited coverage for substance abuse treatment programs. This means that only those who can afford the cost out of pocket can receive the care they need.

Does Insurance Cover Rehab?

In addition, some insurance plans don’t cover residential rehabilitation centers.

There are two types of insurance coverage for drug rehab: short term and long term. Short-term insurance covers the costs of detoxification and outpatient treatment.

Long-term insurance pays for inpatient treatment at a facility such as a rehab center.

What Is Drug Rehab?

To understand what insurance will pay for, it helps to know how drug rehab works.

The goal of any drug rehab program is to help people overcome their addictions by providing them with the tools necessary to maintain sobriety.

The first step in drug rehab is usually an intensive detoxification process. During this time, patients are monitored closely to ensure there are no withdrawal symptoms. 

Once the patient feels stable, he or she begins a series of counseling sessions. These sessions teach the patient coping skills and other important life lessons.

After completing the initial phase of treatment, many rehab facilities offer continuing care services. 

Some provide aftercare support groups while others offer individual therapy sessions.

Patients may also be required to attend weekly meetings where they discuss their progress.

Drug rehab can be very costly. It’s important to make sure you have enough money saved up or have a good insurance policy before entering treatment.

Many insurance providers require pre-authorization forms to be filled out before beginning treatment.

Some states offer public assistance programs that can help individuals pay for drug rehab. Check with your local social services agency to determine if you qualify.

Finding the right drug rehab program is essential to overcoming addiction. Having access to affordable insurance coverage for drug rehab is key to getting the help you need.

Who Qualifies For Insurance Coverage For Treatment?

If you or your loved one needs drug rehab, you should consider whether he or she qualifies for insurance coverage.

You’ll want to find out if your plan offers any type of coverage for substance abuse treatment.

If your policy doesn’t include rehab benefits, you’ll have to look into alternative options.

Many private insurers offer policies that include drug rehab coverage. However, these policies are typically expensive.

You could also contact your state’s department of social services. They may be able to assist you in finding low-cost rehab programs.

How Can I Find Out Whether My Insurance Will Cover Drug Rehab?

How Can I Find Out Whether My Insurance Will Cover Drug Rehab?

You can learn more about your insurance coverage by contacting your provider directly.

Ask your agent or call customer service to see if your insurer provides any sort of coverage for drug rehab.

If your insurance does not cover drug rehab but you still want to pursue treatment, you can apply for financial assistance through Medicaid.

To qualify for Medicaid, you must meet certain income requirements.

Insurance Companies That Cover Drug Rehab

Several major insurance companies offer coverage for drug rehab. Here are some examples:

  • Aetna
  • Blue Cross Blue Shield (BCBS)
  • Cigna
  • United HealthCare
  • Kaiser Permanente
  • Medicare Part D
  • Medicaid

How To Get Insurance Cover For Drug Rehab

To get insurance coverage for drug rehab, you’ll need to fill out a form called a “claim form.” This document outlines all of the services you received during your stay at the facility. 

It includes information such as the dates covered, the number of days spent at the facility, and the cost of each session.

The claim form will ask questions about your medical history, including previous diagnoses of mental health conditions. 

If you have been diagnosed with a condition like depression, bipolar disorder, anxiety, or PTSD, this information will be noted on the form.

The claim form will also ask about how much time you spent receiving counseling, group therapy, medication management, and other services.

When you submit the claim form, it will go through an approval process.

Your insurer will review the documents and decide whether they will reimburse you for the costs associated with your treatment.

Drug rehab centers often require patients to sign a contract promising to follow their treatment plans.

The contract usually states that the patient must comply with the terms of his or her agreement.

It is important to read over the contract before signing it. Make sure you understand what is required of you.

Also, make sure you know exactly what the consequences are if you do not follow the rules outlined in the contract.

What Is A Good Drug Rehab Center?

Choosing a good drug rehab center is essential when seeking help for addiction. There are many factors to take into consideration when choosing a program. Some of these factors include:


You should choose a location that is close to home so you don’t have to travel too far.


Look for staff members who are knowledgeable and compassionate.


Check to see if the facility has a clean environment.

Programs Offered 

Choose a program that offers the type of care you need.


Compare prices among different facilities.

Inpatient Vs. Outpatient Programs 

Inpatient programs provide 24/7 supervision. They may be better suited for people who struggle with substance abuse issues.

Outpatient programs allow patients to attend sessions on their schedule.


If you are struggling with addiction, there is hope. Treatment options are available to help you overcome your problem.

Whether you need outpatient or inpatient services, finding a qualified provider is key.

Many insurance providers offer reimbursement for drug rehab, you just need to follow the steps above to find out if you qualify for insurance-covered drug rehabilitation.

Ryan Ascroft