Insurance Coverage for Treatment

The Law Is on Your Side

Under the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act, most health insurance plans are required to cover substance use disorder treatment at the same level as other medical conditions. This includes:

• All ACA marketplace plans
• Most employer-sponsored health plans
• Medicaid (in all 50 states)
• Medicare
• TRICARE (military insurance)

What Insurance Typically Covers

• Medical detox — Usually covered as inpatient care
• Residential treatment — Typically 30 days, often extendable with medical necessity
• Outpatient treatment — Including IOP and PHP programs
• Medication-assisted treatment (MAT) — Suboxone, methadone, Vivitrol
• Individual and group therapy — Counseling sessions with licensed providers

Common Insurance Providers

Most of the 21,568 facilities in our database accept major insurance plans:

How to Verify Your Coverage

The fastest way to check your benefits is to call our free helpline at (855) 392-7460. Our specialists can verify your insurance benefits, explain your coverage, and identify in-network facilities in your area. The call is free and confidential.

You can also verify coverage by:

1. Calling the member services number on the back of your insurance card
2. Logging into your insurance portal online
3. Asking the treatment facility directly — most have insurance verification staff

No Insurance?

You still have options:

• Medicaid — Apply at healthcare.gov. Covers treatment in all 50 states.
• State-funded programs — Every state has free or low-cost treatment options. Call SAMHSA at 1-800-662-4357.
• Sliding scale facilities — Many centers adjust fees based on income.
• Nonprofit treatment centers — Organizations like the Salvation Army and faith-based programs offer free treatment.