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Does My Insurance Cover Rehab?

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Pre-existing conditions, copays, claims… Insurance is a confusing, albeit necessary, part of healthcare. Struggling with addiction is challenging enough, but to navigate through these confusing processes on top of everything else can feel overwhelming – especially if you’re just reaching out for help. How can you get help if you’re not even sure if you can afford to get help? Does insurance even cover rehab? This article will help answer some of your insurance questions so you can focus on what’s really important, getting your life back.

Health insurance was once considered a luxury by many people. People with strict budgets and low-paying jobs may not have had the extra cash they needed to purchase costly medical care plans, so they attempted to save up enough money on the side to allow for the care of life-threatening issues. Anything less critical would have to just be dealt with, including drug addictions. For people without health insurance, getting into a treatment center for addiction was too costly even to consider. According to a Substance Abuse and Mental Health Services Administration survey, around 22.7 million people need treatment for a drug or alcohol abuse problem every year. And 89 percent of these people will never get it due to financial constraints or a host of other issues. Trying to treat your addiction from home is dangerous and not recommended. 

Quitting your addictive behaviors can feel impossible. We all need help sometimes, but how do we go about getting that help? Many treatment programs are expensive, and you might be asking yourself, What if I never collect the money to get the help I need?  Sometimes it feels like nobody wants to help addicts. We all know that insurance helps pay for health care, but does addiction qualify for healthcare?

Does Insurance Cover Rehab? Does MY Insurance Cover Rehab?

The short and straight answer is “yes.” In many cases, insurance will cover rehab because addiction is considered a medical disease. Data collected by HealthCare.gov shows that insurance plans participating in the insurance marketplace must provide care in 10 essential health categories, including addiction care.

The Affordable Care Act (ACA) went into effect in 2010 and changed the whole thinking behind healthcare; now more people than ever before in American history have health insurance. With the passing of the Affordable Care Act, many Americans now have access to treatment for substance use disorders, addiction, and mental health disorders. Health insurance plans can vary in terms of what kind of coverage they offer or the period for which they will cover treatment services, so it’s important to check with your insurance company about insurance coverage.

What Drug Addictions Are Covered by Insurance?

The type of addiction you have is not important for plans where addiction treatments are considered a covered benefit. This is a similar model health care coverage programs use to treat other ailments.

However, there are a couple of factors to consider before making any conclusions. A quick call to the number on your insurance card might be all that’s needed for you to determine the treatment you want to seek. 

What Types of Rehab Centers Are Covered?

The latest statistics from Statista show that there were more than 16,6066 addiction centers for drug and alcohol addiction in the United States alone in 2020. Even though a health plan may provide addiction coverage, not every treatment facility may be covered by the plan.

There are usually agreements between insurance agencies and rehab programs on what is covered and the amount that is covered. Luxury treatment facilities usually do not accept insurance, but a luxury treatment facility is not a necessity for healing. 


What Types of Insurance Policies Cover Rehab Treatment?

  • Private insurance
  • Employer subsidized insurance 
  • Affordable Care insurance 
  • Medicaid
  • Medicare

Each of these types of insurance plans will cover rehab treatment for drug or alcohol addiction. Under the ACA, drug addiction is not considered a pre-existing condition, and medical professionals cannot deny therapy. 


Does Pacific Sands Recovery Take my Insurance?

Your insurance may cover the cost of rehab! At Pacific Sands and Recovery Center, we know what it’s like to be in your position because we’ve been there too! We want to help. Our website has a simple insurance verification form that will help to keep the process simple. Fill out the form and enroll for a customized approach that offers tailored treatment plans combining various therapies and procedures for your unique needs.

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  • I would just like to share how Grateful I am with my experience through my addiction at this facility. I couldn’t possibly ask to be in such a “SAFE/COMFORTABLE” environment while receiving treatment for my addiction. I would just like to say Thank you sooo much to ALL the staff there from the Nurse’s to counselors and therapist all of you are a True Blessing in helping me through my journey of sobriety. I couldn’t feel more comfortable there on how they monitored my physical health and on dealing with my emotional health with there therapy sessions and groups I truly see them ALL as Family!

    Andrew N.
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  • This place helped saved my life, and a great stepping stone to get my life on the right track. Was there first client under new management, caring staff and owners, comfortable place to get you on your feet in sobriety.

  • Great Staff. Comfortable Environment. Awesome place to Get Clean and Sober. Thank you guys for everything.


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