Does Insurance Cover Addiction Treatment?

Using Your Health Insurance to Pay for Rehab

Seeking substance abuse treatment can be an intimidating idea for many reasons. For one thing, the cost of receiving this care can be relatively high. That’s why understanding what options your health insurance provides is vitally important. 

Recent laws have granted access to these services through different insurance plans. However, to ensure you can maximize your treatment options, it’s imperative to know how insurance operates in the field of addiction rehab.

What Type of Addiction Treatments Are Covered?  

According to the US Census, nearly 92% of Americans had health insurance at some point in 2019. This figure represents great news for people who are looking to receive treatment. If you fall into the insured category, many medical plans have coverage for:

•  Inpatient/residential programs
• Outpatient programs
• Medically supervised detox
• Dual diagnosis of mental health and substance use disorders
• Follow-up outpatient appointments
• Necessary medications for successful recovery

What Kinds of Addictions Are Covered?  

Addiction treatment falls into one of the ten “essential health categories” designated by healthcare.gov. Most policies cover addiction-related care, regardless of whether it’s government-funded insurance or private. When addiction care is covered, studies have shown that money is saved in other areas, such as incarceration expenses, costly emergency room visits, and organ transplants. Common addictions covered include:

• Alcohol
• Cocaine
• Crack
• DMT
• Fentanyl
• Heroin
• Ketamine
• Marijuana
• Meth
• Narcotics
• Most prescribed controlled substances and opioids

What Kind of Treatment Centers Are Covered?  

As with other types of medical care you receive, using an “in-network” provider is often the best way to keep your out-of-pocket expenses low. Most insurance companies have arrangements with providers to offer certain types of care for an agreed-upon price.  

Mental Health America encourages people to contact their insurance companies to inquire about which providers are in their network and which treatment programs are covered under their plan. The admissions team here at Muse can verify your benefits and answer questions about your insurance as well. The most commonly covered treatment centers are:

• Outpatient or residential rehab
• Partial Hospitalization Programs
• Inpatient or outpatient detox programs

The Affordable Care Act and Substance Abuse Treatment

The passage of the Affordable Care Act has been monumental in getting people the substance use treatment they so desperately need. More people than ever have access to affordable health insurance, and as a result, more people are getting life-saving care to help them fight addiction. The ACA does not consider addiction a pre-existing addiction, so treatment cannot be denied. Substance abuse treatment under the Affordable Care Act includes:

• Evaluation
• Intervention
• Medications
• Clinic visits
• Drug and alcohol testing
• Home health visits
• Family counseling

While the ACA has changed the way we provide insurance in the United States, there are still millions of uninsured people. If you are unable to obtain health insurance but could benefit from substance use treatment, contact Muse Treatment Center in Los Angeles.  We offer a wide range of treatment options to suit any budget.  We can help you assess your needs and get you effective and affordable treatment.  

How to Verify Your Insurance Coverage

If you’re ready to take the next step to promote a happier and healthier life, Muse Treatment centers can provide the help you desperately need. Our qualified treatment specialists are standing by to help you navigate your treatment options and what coverage your insurance offers. We make verifying your insurance more comfortable than ever; simply go to www.musetreatment.com/insurance/, enter your information, and one of our specialists with contact you right away. Don’t let red tape stand in your way of sobriety, contact Muse Treatment today.

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