Will My Insurance Pay for Rehab in California?

does my insurance pay for rehab
Published in Addiction Treatment

Millions of people in America struggle with a substance use disorder, but very few actually receive the help they need. According to an article published by PBS News, only 2.5% of the 22.7 million people who suffer from drug or alcohol addiction received professional treatment.

While there are many barriers to addiction treatment, one of the most common reasons people avoid seeking the help they need is money. The cost of addiction treatment can be high and many individuals fear that their insurance will not pay for rehab. Thankfully, insurance companies are required to cover some form of substance abuse treatment because of the Affordable Care Act (ACA).

Does Insurance Cover Addiction Treatment Costs?

The Affordable Care Act (ACA) regards substance abuse treatment as an essential healthcare benefit for American citizens, so insurance companies are required to offer coverage for addiction treatment services.

While insurance companies must cover some amount of addiction treatment, how much of the cost they will cover depends on your specific plan.

Oftentimes, insurance companies will require you to choose from a list of approved treatment providers to receive coverage. This is referred to as choosing an “in-network” addiction treatment facility. You may also be required to pay some fees in the form of premiums, deductibles, and copayments.

Typically, most insurance companies cover the following types of addiction treatment in California:

  • Partial hospitalization program (PHP)
  • Outpatient treatment
  • Medication-assisted detox
  • Medication-assisted treatment (MAT)
  • Dual diagnosis addiction treatment
  • Continuing care programs
  • Maintenance medications to support long-term sobriety and other forms of MAT

How Can I Verify What My Insurance Will Cover?

There are tons of different insurance plans out there because the insurance marketplace is highly competitive. How much of the cost of rehab your insurance will cover depends on the specific plan you have. Determining what your insurance will cover is an important step in the process of obtaining addiction treatment.

There are several ways you can verify how much your insurance will cover, including:

  • Logging into your online account and looking at the summary of coverage benefits, which lists all of the services your plan will cover
  • Calling or emailing a representative of your insurance company to ask them directly about your insurance coverage
  • Contacting the treatment facility you wish to attend and ask for verification of benefits

How to Find a Drug and Alcohol Rehab in California that is In-Network With Your Insurance

There are many different types of addiction treatment programs for you to choose from, making the process of finding a rehab that accepts your insurance overwhelming. Thankfully, there are a few easy ways to figure out which addiction treatment programs in California accept your insurance.

Contact Your Insurance Company

The easiest way to find out which drug and alcohol rehab centers in California accept your insurance is to contact your insurance company. When you speak with an insurance representative, they will give you a list of in-network treatment providers. You will likely have a variety of facilities that accept your insurance to choose from.

Once you have the list of programs that accept your insurance, you can begin researching each facility. You should decide what type of program would best suit your needs, how long you want to spend in treatment, and what you want the program to specialize in. For example, you could pick a dual diagnosis program that treats both addiction and mental illness.

Speak to a California Addiction Treatment Center Directly

If you already know of a specific addiction treatment center you’d like to attend, you can contact that program directly to verify your benefits. Many drug and alcohol rehab centers in Orange County accept a wide variety of insurance plans to ensure that recovery from addiction is accessible to everyone. When you decide to call a program directly, you can verify your benefits immediately and begin the intake process right away.

Work With an Addiction Counselor

Lastly, you could work with an addiction counselor to receive help if you are having a hard time finding a program that accepts your insurance. Not only can they help you find a treatment program that is covered by your plan, but they will also ensure that the facility is suited to your needs.

Addiction counselors conduct in-depth assessments of your substance abuse, mental health, and physical health history to determine your specific needs and goals, allowing them to determine exactly which kind of treatments you will benefit from, providing you with highly individualized addiction treatment care that you can afford.

Verify Your Insurance at our California Drug and Alcohol Rehab Today

While addiction treatment can be pricey, you cannot put a price on your life. Untreated addiction can lead to an array of mental and physical health consequences, often ending in jails, institutions, or death. Addiction treatment centers like Sheer Recovery accept a wide range of insurance companies, removing your need to worry about paying for treatment. If you don’t have insurance, financing options are available.

Don’t let financial concerns stop you from achieving a healthier, happier life. Contact Sheer Recovery today to verify your insurance coverage and begin your journey of recovery.


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