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Self-Payment

This choice of addiction treatment payment plan elects to pay for rehab without insurance, which can prove risky depending on the exact addiction treatment program. For instance, because inpatient addiction treatments are often the most expensive, someone who chooses that option might face enormous costs. However, people who make this choice can seek loans for substance abuse treatment if they’re decidedly going to pay for addiction rehab without medical insurance.

Patients may find the chance for scholarships from addiction treatment centers for inpatient stays, though that chance will naturally depend on the treatment center. View more.

Private Health Insurance

Some national health insurance plans will provide certain coverage for addiction treatment costs. What patients and their families can receive from insurance coverage for rehab programs will depend on both the payer and the addiction treatment center.

Several large and well-known insurance payers offer insurance coverage for addiction rehab, including Aetna, Amerigroup, BlueCross BlueShield, Cigna, and United Healthcare plans. Aetna insurance for addiction treatment makes sure to account for the individual patient’s needs in its drug rehab coverage. Depending on the patient’s situation, they may be able to receive insurance coverage for hospitalization, detox, inpatient addiction treatment, and continuing care (it’ll depend on the exact case). Meanwhile, Amerigroup offers certain insurance coverage for addiction rehab for certain parts of treatment supported through both inpatient and outpatient treatments: cognitive behavioral therapy, outpatient detox, and medically-assisted treatment. Lastly, BlueCross BlueShield drug rehab coverage offers detox, inpatient rehab, and partial hospitalization coverage. This provider offers constant access to expert help and addiction recovery resources through its mobile OneHealth platform.

Whatever insurance patients or their families hold, contacting their provider is the best way to determine their exact insurance coverage for drug rehab should it become necessary. View more.

Medicaid

This government-funded insurance option can cover addiction rehab treatments, though it depends on several factors. For one, patients who would qualify for Medicaid for treatment centers need to be younger than 19 or older than 65, or else be pregnant or a parent. Paying for drug or alcohol rehab with Medicaid then relies on state-by-state variations, where some places will cover more while others will offer less. For alcohol and drug rehab centers that accept Medicaid, patients will not need to pay out of pocket for screenings, family counseling, inpatient care, detox, outpatient rehab visits, or mental health counseling.

However, we should reiterate that the specific extent of Medicaid coverage for drug and alcohol rehab treatment will depend on the state where the patients live or would receive treatment. The Affordable Care Act in 2010 strengthened many of those options, but patients and their families should still contact this provider to see what they could receive for addiction recovery treatment. View more.

Medicare

Medicare for drug and alcohol rehab offers three of its four parts to patients who pay the monthly premium for this federal health insurance. If the patient is older than 65 and/or has a disability, he or she will become eligible for Medicare coverage. Here’s how those four parts correspond to the necessary parts of drug and alcohol rehab: Part A of Medicare covers inpatient or hospitalized addiction recovery; Part B can cover outpatient rehab care (including therapy for co-occurring disorders); and Part D can cover the costs of continuing medication for long-term recovery, including medically-assisted medications for opioid addiction recovery.

However, when patients and their families consider relying on Medicare for drug and alcohol rehab, they should first examine their plans to make sure they will receive the coverage they need. Part A, for instance, only covers up to 60 days of hospitalization and will still require payment of a deductible. In addition, patients should choose only drug and alcohol rehab centers which accept Medicare. Verifying that feature of their inpatient addiction clinic will be crucial for effective addiction treatment and eventual long-term recovery. View more.