Does Insurance pay for Rehab?


First off, let’s start with some congratulations. If youre reading this article and you or someone that you love is actually deciding to commit themselves to get treatment, then that's fantastic and we wish you the best of luck. The hardest part about treating an addiction is admitting that the addiction is there in the first place.


However, once you have acknowledged the addiction, you'll be able to begin fighting it. You can employ techniques and tactics learned throughout life or from a support group to help you overcome your cravings, but this isn't always the most effective way to stay sober. The best, most effective way to get sober is to attend an inpatient rehab service.


Unfortunately, inpatient rehabs are also fairly expensive. One of the most common worries among the families and friends of loved ones trying to seek help for their addiction is the financial burden. Some rehab facilities cost upwards of a thousand bucks a day, though these are mostly higher-end facilities.


It's normal to wonder if your insurance would cover the cost of rehab. That would take a lot of stress off your shoulders, right? Insurance can help you out but it depends on the progress of your treatment and the type of treatment that you're getting. Naturally, more expensive treatments might not be entirely covered by insurance.


Types of Rehab
There are a couple main rehab programs available, at least two of which will probably be available to you in your immediate area - inpatient and outpatient rehab. These programs may or may not come with a targeted detox.


  • Inpatient rehab, as we've mentioned, is the best type of program for someone suffering from a serious addiction and who has already tried getting their addiction treated through either an outpatient rehab program or through their own personal sobriety regime. People who most benefit from inpatient rehab will have been addicted to drugs or alcohol for many months or years and will, most often, have to go through withdrawal symptoms before they can start their actual treatment. For this reason it's recommended that inpatient attendees go through a medically supervised detox at the facility or at a local hospital.

  • Outpatient rehab is a much more flexible method of treatment that's also a lot less expensive. Outpatient rehab allows its registered members to schedule their recovery around their lives - they can manage to go to work and school while they're attending outpatient as long as they make it to the scheduled meetings and therapy sessions that they have during the week. Outpatient rehab, while it's much more flexible than inpatient rehab, also comes with a lot more risks. Since you're free to come and go from the facility, you'll be much more capable of actually following through with a relapse. If you think this is a problem, then inpatient rehab is probably a better choice for you.

Getting Insurance for Rehab
In the US, there are a couple options available for someone who is hoping to have their treatment covered by insurance. Both public and private insurance companies tend to compensate for at least a bit of the cost of inpatient and outpatient programs.


Pretty much any type of addiction can be covered - not just substance abuse problems, which many people understand to be the only type of addictions. Process addictions, like gambling addictions or sexual addictions can also be covered with the proper insurance plans.


This is in stark contrast to days past, where insurance companies wouldn't be caught compensating someone struggling with a drug addiction thanks to the negative stigma associated with it.


Nowadays, many insurance firms recognize the serious nature of addiction and the negative effects it can have not only on the addict but those directly around them and even in the society the addict is a member of. Healthcare programs are beginning to look at addiction treatment, or preventative measures to avoid developing addictions, as a sort of precautionary treatment that can prevent the development of much worse problems.


They also recognize the importance of paying a one-time fee for a quality, comprehensive treatment program to quash the problem as soon as possible, instead of paying for another treatment program down the road.



The Controversy
Some people are apprehensive about the fact that health insurance companies are getting involved with addiction treatment. They worry that this will impact the quality of addiction treatment or have a sprawling effect on treatment across the country.


It's important for people who are apprehensive to remember that insurance companies don't make their money unless the patient is properly rehabilitated. If their patients don't return to society and lead healthy lifestyles, they won't make any money because the person will still be struggling with addiction. This gives insurance firms real incentive to help with addiction.


How much is covered?
To find out the exact amount that's covered you're going to have to talk to your healthcare insurance provider. It's different depending on your insurance, the type of treatment you need, and the area you live.


  • People who don't have behavioural or drug addictions covered by their insurance, public insurance is always an option. This can take a good chunk of the price out of inpatient rehab and make it much more accessible. There are also a couple free rehabs (rehabs) that are subsidized by the government and would accept state insurance for payment.

  • Private insurance isn't always the best idea for addiction treatment. In fact, it might end up costing you more money if you compare the price directly to that of public insurance. However, private insurance will offer you a much wider range of potential treatment options that can be covered. If you want versatility in your insurance plan, private is the way to go. You'll pay more for the insurance, but the wide range of treatment facilities that you can access and the more comprehensive coverage will make it worthwhile.

You'll want to communicate directly with a rehab facility and your insurance provider for the most accurate information.