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Health Insurance for Drug and Alcohol Rehab Treatment

If you or a loved one is struggling with an addiction to drugs and/or alcohol, it can feel overwhelming. Getting help through an addiction treatment program is a way to start down the road to recovery, but the cost may seem out of reach. While you may be unsure of how to pay for alcohol and drug rehab programs, there is a number of ways to get assistance with paying for treatment. Many insurance companies offer healthcare benefits that cover mental health and substance use treatment to get people the help they need to recover. Treatment facilities may also offer payment options to help you access the support you need. If you’re wondering how to pay for addiction treatment, this page will provide information about types of addiction treatment coverage offered by insurance companies, types of treatment programs available, and how to find out if your insurance covers rehab.
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What Types of Addiction Treatment Are Covered by Insurance?

Treatment for addiction used to be seen as a luxury expense reserved for those who could afford it. However, with the passage of the Affordable Care Act (ACA), more people have access to health insurance. The ACA includes Essential Health Benefits (EHBs), which offer coverage for mental health and substance use disorder services—such as addiction treatment.4,5 Many private insurance companies are held to the same standards noted in the ACA, meaning that they cover rehabilitation.