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Insurance Coverage for Addiction Treatment

Understand your insurance benefits for rehab. Most plans cover substance abuse treatment under mental health parity laws. Free insurance verification available.

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Find Insurance & Payment by State

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Alabama 198 Alaska 52 Arizona 387 Arkansas 142 California 2104 Colorado 412 Connecticut 298 Delaware 68 Florida 1287 Georgia 412 Hawaii 74 Idaho 98 Illinois 687 Indiana 378 Iowa 186 Kansas 164 Kentucky 312 Louisiana 218 Maine 142 Maryland 428 Massachusetts 498 Michigan 524 Minnesota 348 Mississippi 108 Missouri 342 Montana 82 Nebraska 128 Nevada 162 New Hampshire 112 New Jersey 524 New Mexico 148 New York 1342 North Carolina 478 North Dakota 58 Ohio 598 Oklahoma 218 Oregon 298 Pennsylvania 712 Rhode Island 92 South Carolina 198 South Dakota 64 Tennessee 342 Texas 1087 Utah 178 Vermont 68 Virginia 387 Washington 412 Washington DC 98 West Virginia 178 Wisconsin 328 Wyoming 42

Insurance Coverage for Addiction Treatment

The Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 requires health insurers to cover substance abuse treatment on par with medical/surgical benefits. This means if your plan covers hospital stays and outpatient medical visits, it must also cover inpatient rehab and outpatient addiction therapy at comparable levels.

Despite this federal protection, navigating insurance for addiction treatment can be complex. Pre-authorization requirements, network restrictions, and coverage duration limits vary widely between plans. Our advisors specialize in cutting through this complexity — we verify your specific benefits in minutes.

Coverage by Insurance Type

Private insurance (employer-sponsored and marketplace plans) covers the full continuum of care — detox, inpatient, IOP, outpatient, and MAT. Most plans cover 28-30 days of inpatient with pre-authorization. Medicaid covers substance abuse treatment in all 50 states with no cost-sharing in most cases. Medicare Part A covers inpatient rehab; Part B covers outpatient therapy and MAT.

Sources & References

  1. [1] CMS. Mental Health Parity and Addiction Equity Act. 2008.
  2. [2] Kaiser Family Foundation. Status of State Medicaid Expansion Decisions. 2024.
  3. [3] SAMHSA. Insurance Coverage and Financing of Substance Abuse Treatment. 2023.

Insurance for Rehab: Common Questions

Yes. Under the Mental Health Parity and Addiction Equity Act (MHPAEA), most insurance plans must cover substance abuse treatment at the same level as medical/surgical benefits. This includes detox, inpatient rehab, outpatient therapy, and medication-assisted treatment. Coverage specifics (deductibles, copays, approved duration) vary by plan.

Yes. Medicaid covers addiction treatment in all 50 states including detox, inpatient residential, outpatient therapy, and MAT. In the 40 states that expanded Medicaid under the ACA, coverage is generally more comprehensive. Specific program availability varies by state.

Call us at the number above for a free, confidential insurance verification. We check your specific plan's benefits including covered services, approved facilities, deductible status, copay amounts, and pre-authorization requirements. The process takes just a few minutes.

Options include: state-funded treatment programs, facilities with sliding-scale fees, SAMHSA block grant funded programs, free community-based programs, and payment plans. Many states have dedicated funds for uninsured residents seeking addiction treatment.

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Our advisors check your specific benefits in minutes — no obligation, completely confidential.

(855) 420-1911