State Insurance for Addiction Treatment: What You Need to Know in All 50 States
Addiction can feel overwhelming—but cost should never be the reason someone avoids getting help. If you or a loved one is struggling with substance use, state insurance (often Medicaid or a state-run health plan) can be a powerful resource. These programs cover many, if not all, of the costs associated with detox, inpatient or outpatient rehab, medication-assisted treatment (MAT), therapy, and ongoing recovery support.
While exact coverage and access vary by state, the majority of state insurance programs do cover addiction treatment as an essential health benefit.
What Is State Insurance?
State insurance generally refers to:
- Medicaid: A federally and state-funded program for low-income individuals and families.
- State-specific programs: Including expanded Medicaid options, behavioral health initiatives, and managed care plans for addiction and mental health services.
These programs help cover:
- Medical detox
- Inpatient/residential rehab
- Outpatient treatment
- Therapy and counseling
- Medication-assisted treatment (MAT) for opioid and alcohol use disorders
- Sober living support in some cases
How to Use State Insurance for Rehab
- Apply for Medicaid or your state’s equivalent plan
- Get assessed by a certified provider to determine treatment level
- Choose a rehab facility that accepts your insurance
- Start your recovery journey—most programs assist with pre-approval
State-by-State Guide to Addiction Treatment with State Insurance
Here’s a list of all 50 states. Each state has a Medicaid program or alternative that can be used for addiction treatment:
🗺️ United States – State Insurance for Rehab
- Alabama Medicaid
- Alaska Medicaid
- Arizona Health Care Cost Containment System (AHCCCS)
- Arkansas Medicaid
- California Medi-Cal
- Colorado Health First Colorado (Medicaid)
- Connecticut HUSKY Health
- Delaware Medicaid
- Florida Medicaid
- Georgia Medicaid
- Hawaii QUEST Integration
- Idaho Medicaid
- Illinois Medicaid
- Indiana Hoosier Healthwise & Healthy Indiana Plan
- Iowa Medicaid
- Kansas KanCare
- Kentucky Medicaid
- Louisiana Medicaid
- MaineCare
- Maryland Medicaid
- MassHealth (Massachusetts)
- Michigan Medicaid
- Minnesota Medical Assistance
- Mississippi Medicaid
- Missouri MO HealthNet
- Montana Medicaid
- Nebraska Medicaid
- Nevada Medicaid
- New Hampshire Medicaid
- New Jersey FamilyCare
- New Mexico Centennial Care
- New York Medicaid
- North Carolina Medicaid
- North Dakota Medicaid
- Ohio Medicaid
- Oklahoma SoonerCare
- Oregon Health Plan
- Pennsylvania Medical Assistance
- Rhode Island Medicaid
- South Carolina Healthy Connections
- South Dakota Medicaid
- Tennessee TennCare
- Texas Medicaid
- Utah Medicaid
- Vermont Green Mountain Care
- Virginia Medicaid
- Washington Apple Health (Medicaid)
- West Virginia Medicaid
- Wisconsin BadgerCare Plus
- Wyoming Medicaid
Recovery Should Be Accessible to Everyone
Addiction treatment shouldn’t be a luxury. Thanks to state insurance programs, thousands of people across the country can access the help they need—often at little or no cost.
If you’re unsure where to start, contact a local rehab center and ask if they accept Medicaid or your state’s public insurance. Many providers offer case managers or navigators to help guide you through the process.
You deserve a life free from addiction—and state insurance might be the bridge to get you there.
