Will Insurance Cover Rehab Costs? November 14th, 2019 The Recovery Village at Palmer Lake
Blog & News Will Insurance Cover Rehab Costs?

Will Insurance Cover Rehab Costs?

family figuring out rehab costs

When you, or a loved one, is seriously considering rehab, it’s important not to let treatment costs get in the way of getting a life changing treatment.

Even though you, or a loved one, want to attend treatment as soon as possible it’s important you understand all of the costs involved, so you can make the best treatment decision possible.

Several insurance options are going to be available depending upon your current coverage, and the level of treatment you require. Below we answer the common question: will my insurance cover rehab costs?

Today insurance companies have a better picture of the actual expenditures and reasons surrounding addiction, so you’re more likely to be able to recoup the costs of treatment than in times past.

Does Insurance Cover Addiction?

The American Medical Association recognizes substance abuse and alcoholism as diseases, which means that addiction treatment is covered and treated the same as other medical conditions. So, the level of coverage you’ll receive will be based upon your current insurance package.

The total your insurance will cover also depend on whether you have private, public, or group insurance.

How Much Will Insurance Cover?

Your actual insurance policy will determine the level of coverage you receive. But, some of the most common forms of coverage are listed below:

The initial assessment

The initial evaluation in which your treatment options are laid out, and your level of health is measured, is fully covered.


The initial drug and alcohol detox costs are fully covered. However, the extent of this coverage will depend on the severity of your detox and the level of medical support required. Rapid detox from opiates usually isn’t covered by a basic insurance plan.

Outpatient treatment

Outpatient treatment isn’t as time or resource intensive is inpatient treatment and often receives partial to full coverage depending upon the treatment facility.

Inpatient treatment

Since inpatient treatment tends to be the longest and most in-depth, they are also the most expensive, as a result, they tend only to be partially covered by your insurance. The level of coverage you receive will depend on upon the severity of your addiction.

The coverage options listed above are simply estimates. To get a full representation of what’s going to be covered, you need to speak with your insurance provider directly and ask what levels of support your insurance plan will cover.

In some cases, the treatment facility will work with your current financial situation to develop a payment plan that fits within your budget. If you’re struggling to pay for rehab, with or without insurance, your best course of action is to reach out to your preferred treatment center to see if they offer financial assistance.

The Real Cost of Addiction

When looking at the surface level costs of rehab, it might seem like an expensive investment. Especially, if you’re paying out of pocket, or your insurance provider will only cover a fraction of the treatment.

However, you have to take into account the real, non-financial, costs of addiction. Essentially, you have to be able to answer: how much is my life, or the life of a loved one, actually worth?

Would you invest a couple of thousand dollars if you could live a life free from drug and alcohol addiction? What would it mean to you to have your loved one back in your life?

The total costs of addiction treatment can seem minimal when you compare them to the real value of a healthy and happy life.

If you’re interested in speaking with one of our addiction professionals today, then reach out with any questions you might have today.

Medical Disclaimer: The Recovery Village aims to improve the quality of life for people struggling with a 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 provider.