Using Insurance for Detox or Rehab

Information about health insurance

At American Addiction Centers (AAC), we want you to have all the information you need when using private or public insurance providers to cover the cost of treatment.

Private health insurance

Most private insurance providers are required to cover substance use disorder treatment. Learn more about these popular providers and how they determine coverage for rehab.

How coverage is determined

Major insurance providers often require a referral or preauthorization before you can attend treatment. In most cases, preauthorization is achieved by having a treatment center conduct an initial assessment to determine the appropriate level of addiction care necessary.

Public health insurance

Public health insurance is available to individuals who can’t afford private insurance. The coverage on these plans can be quite different than plans purchased on the health insurance marketplace.

Government providers

Frequently asked questions

Does insurance cover rehab?

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  • Yes insurance covers rehab. In order to find out your exact level of coverage you may need to consult your insurance provider.

How Much Does Rehab Cost?

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  • Rehab costs vary depending on your recommended treatment plan and the provider you choose. Insurance—state-funded or private—often covers the majority of treatment costs. If you do not have insurance, many providers offer scholarships or payment plans to help people access rehab.

How to Pay for Rehab Without Insurance:

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  • If you don’t have insurance, many facilities offer payment plans and accept private financing. If you can’t finance rehab on your own, you may be able to take out a personal loan to cover the costs. If none of these options suit you, you may try “crowdfunding” your treatment through services such as GoFundMe or use the SAMHSA.gov treatment locator help you find free treatment centers in your area.

Can I see if my insurance covers treatment before I call?

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  • American Addiction Centers allows potential patients to verify their insurance covers treatment at their facilities online before they call.
  • Verify Coverage