Verify Insurance Coverage

Last Edited: December 7, 2020
Author
Patricia Howard, LMFT, CADC
Clinically Reviewed
Edward Jamison, MS, CAP, ICADC, LADC
All of the information on this page has been reviewed and certified by an addiction professional.

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.


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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.