Making the choice to get treatment can be intimidating enough, no one needs the added stress of trying to figure out how to pay for it. Getting good treatment is not cheap, but it doesn’t have to cost you as much as you think it does.
The only way to know exactly what you are covered for is to call your insurance company, or verify your insurance by filling out the form below.
Under the ACA, addiction is no longer considered a pre-existing condition for insurance purposes.
Verify Your Insurance Coverage Now
Does Your Health Insurance Cover Substance Abuse Treatment?
Health insurance plans will cover treatment for substance abuse, addiction and mental health disorders. With the passage of the Affordable Care Act, more Americans now have access to these forms of treatment. Plans can vary in terms of what type of insurance coverage they provide or how long they will cover alcohol or drug rehab, so it’s best to check with your provider or the treatment center you’re interested in attending.
View By Insurance Companies
- Aetna Health Insurance
- Allied Benefit Systems
- Amerihealth Health Insurance
- Anthem Health Insurance
- Assurant Health Insurance
- Beacon Health Insurance
- Blue Cross Blue Shield
- Cigna Health Insurance
- COBRA Insurance
- Community Health Choice Insurance
- ComPsych Insurance
- ConnectiCare Health Insurance
- Coventry Health Insurance
- Director’s Guild Insurance
- Ambetter Health
- TriCareWest Healthcare Alliance
- TriWest Healthcare Alliance
- AHCCCS Insurance
- EmblemHealth Insurance
- Exclusive Care Insurance
- First Health Network Insurance
- GEHA Health Plans Insurance
- Great West Insurance
- Harvard Pilgrim Health Insurance
- HCSC Insurance
- Health Net Insurance
- Health Partners Health Insurance
- Healthsmart Insurance
- Highmark Insurance
- HMO Insurance
- Humana Health Insurance
- Kaiser Permanente Insurance
- LifeSynch Insurance
- Medicare Insurance
- American Indian Health Program (AIHP)
- Magellan Health Insurance
- Managed Health Network
- Medical Mutual Insurance
- MultiPlan Insurance
- MVP Health Care Insurance
- Optum Health Insurance
- Pacificare Insurance
- PPO Insurance
- Priority Health Insurance
- Tufts Health Insurance
- UMR Insurance
- Union Pacific Railroad Insurance
- United Behavioral Health
- UnitedHealthcare Insurance
- Value Options
- In Network Insurance
- Private Insurance
- Out of Network Insurance
- Medicaid Health Insurance
- Cash Pay Addiction Treatment
The Cost of Rehab vs. the Cost of Addiction
Investing in rehab and potentially going into debt for it can be daunting, but when you break out the numbers, rehab proves to be the most cost-effective option.
- Cost of Substance Abuse: Addiction is expensive. The substance alone can bankrupt you (you can use this calculator to estimate your own cost). For example, an alcoholic who drinks every day could easily spend at least $3,000 in a year on drinks alone. A ten-year addiction could cost $30,000 in drinks alone. The cost of drugs is harder to pin down, but it’s generally much higher.
- Cost of Lost Income: On top of that, addiction often comes with workplace problems and even criminal fines. Most states allow workplaces to test for drugs after a workplace accident. Even if an accident doesn’t happen, addiction tends to make it difficult to be productive at work, making advancement unlikely.
- Cost of Health Problems: Alcoholism is notoriously bad on the liver, but both alcohol and drugs like heroin, meth, and cocaine can cause a host of other problems throughout the body. Medical bills and criminal charges can add up quickly, especially after an accident on the road. Almost 40% of all traffic fatalities are alcohol-related.
In the long run, addiction is terribly expensive. Rehab can put an end to those expenses and ultimately save money.
Who is Eligible for Coverage?
Americans with incomes between the federal poverty level (FPL) and four times the federal poverty level are eligible for ACA tax credits. The FPL changes according to family size.
