Insurance companies like First Health usually provide addiction treatment coverage at centers like The Recovery Village at Palmer Lake.

You may have concerns about the cost when seeking addiction treatment and rehab programs. However, insurers like First Health cover large portions of addiction treatment for most policyholders. Although how much of your rehab costs will be covered can vary, our Recovery Advocates can work with you to verify your insurance coverage and help you understand your financial responsibilities so that you’re ready to receive life-saving treatment.

First Health Provider Overview

First Health Group, Cofinity and Aetna merged in 2013, creating a vast treatment network. You have extensive choices regarding providers when your health coverage is through First Health, which operates nationwide. Millions of people have coverage through First Health.

First Health Plans and Coverage Levels

As with other insurance providers, many plans and coverage levels are available through First Health. The specifics of these plans will depend on your location and will vary in coverage, treatment options and out-of-pocket costs, including deductibles and copays. Typically, the more health insurance premiums you pay, the more your costs will be covered when you receive treatment.

Does First Health Insurance Cover Drug and Alcohol Addiction Treatment?

First Health covers addiction treatment because these are essential health services. Depending on your plan, a large amount of your addiction treatment may be covered by insurance. Some factors impacting your coverage along with your policy include the length of your stay, the specific treatments you need and whether you go to a rehab center that’s in or out-of-network. The Affordable Care Act requires insurers to provide some mental health coverage, including substance use disorder treatment.

Does First Health Cover Inpatient Rehab?

First Health may cover inpatient rehab when it’s medically needed. An inpatient program is residential, meaning you live onsite for a period of time. Your immersive and comprehensive treatment plan allows you to focus entirely on building a strong foundation for lifelong recovery. Inpatient recovery is often an important initial step in overcoming addiction.

Does First Health Cover Outpatient Care?

Everyone’s recovery path can look different, with different treatment needs. Some people might start with inpatient rehab and then move into a less intensive outpatient program as they’re ready. For others, their starting point is outpatient care. Regardless, First Health should cover outpatient care for eligible members to some extent. 

First Health Mental Health Services Coverage

Insurers cover mental health services in a way that’s similar to addiction treatment. The ACA mandated that insurers cover both as essential health benefits, so mental health is included in your coverage in most cases. However, how much coverage you have depends on your plan and insurer. Your insurance may cover talk therapies, such as cognitive-behavioral therapy and medications. You might also have access to coverage for specialized mental health services like eye movement desensitization and reprocessing (EMDR), often used to help treat trauma exposure.

Addiction Treatment Options for First Health Members

Addiction treatment can occur in different settings. Many patients will begin rehab with residential treatment, and only as they’re ready do they slowly move to less intensive settings. The types of addiction treatment programs First Health members may have coverage for include:

  • Medical detox: Around-the-clock medical care is provided, making withdrawal safer and more comfortable.
  • Inpatient residential treatment: This is where you live onsite for a period of time and focus entirely on your recovery and building new coping skills.
  • Partial hospitalization programs: These programs are less intensive than intensive inpatient programs at The Recovery Village at Palmer Lake but still include living onsite.
  • Intensive outpatient programs: These programs are also residential at our center.
  • Outpatient treatment: In this program, you live off-site in a sober living community or supportive home environment

First Health Treatment Duration

Research has shown that how long someone stays in treatment plays a big role in their recovery outcomes. Staying in a program for long enough is critical. With that in mind, the inpatient portion of most people’s treatment plan may be for 30, 60 or 90 days, but everyone is different. First Health may cover your entire stay based on your medical need and coverage.

Colorado Rehab Facility Accepting First Health

The Recovery Village at Palmer Lake is a leading evidence-based and physician-led addiction treatment center. Our Colorado rehab facility accepts First Health insurance, and our Recovery Advocates can work with you to prepare for the next steps. You can also contact First Health directly to learn more about your insurance coverage for rehab, or you can use our insurance verification tool.It’s never too late to experience recovery — talk to a Recovery Advocate to learn more or take the next step.

Editor – Theresa Valenzky
Theresa Valenzky graduated from the University of Akron with a Bachelor of Arts in News/Mass Media Communication and a certificate in psychology. She is passionate about providing genuine information to encourage and guide healing in all aspects of life. Read more

Health Insurance Marketplace. “Marketplace coverage & essential health benefits“>Marketpl[…]alth benefits.” U.S. Centers for Medicare & Medicaid Services, July 28, 2022. Accessed July 6, 2023.

Medical Disclaimer

The Recovery Village at Palmer Lake aims to improve the quality of life for people struggling with substance use or mental health disorder with fact-based content about the nature of behavioral health conditions, treatment options and their related outcomes. We publish material that is researched, cited, edited and reviewed by licensed medical professionals. The information we provide is not intended to be a substitute for professional medical advice, diagnosis or treatment. It should not be used in place of the advice of your physician or other qualified healthcare providers.