Drug and Alcohol Rehab Centers That Take Insurance

Virtue Recovery Center is in-network with most major insurance plans, and we have all the answers to the common question: “Does insurance cover rehab?” We eliminate the difficulties and wait times associated with contacting your insurance provider.

Do Drug and Alcohol Rehab Centers Take Insurance?

The expense of professional rehabilitation therapy is one of the primary reasons people struggling with substance abuse remain untreated. Fortunately, health insurance generally covers rehab and many types of mental health treatment. However, the amount that your insurance pays depends on many variables, such as your specific policy, the provider, and your individual requirements.

What is Rehab Insurance Coverage?

Rehab insurance coverage refers to how much a health insurance plan covers rehabilitation services, such as addiction treatment and other forms of therapy or counseling. The coverage can vary depending on the type of insurance plan and the specific rehabilitation services needed.

Rehabilitation services can be costly, especially if required for an extended period. Coverage can help insured individuals manage these costs and get the care they need to recover from illness, injury, or addiction.

Does Insurance Cover Drug and Alcohol Rehab?

Yes, insurance can cover drug and alcohol rehab. The Affordable Care Act (ACA) mandates that insurance companies cover substance use disorder treatment as an essential health benefit. As a result, most health insurance policies must include some kind of drug and alcohol rehab.[i]

However, the extent of the coverage for substance abuse and alcoholism can vary greatly depending on the type of plan, provider network, and level of care needed, among other factors. For example, some insurance plans may have exclusions and only cover outpatient care. Others may cover inpatient care or residential treatment.

It's important to review your insurance plan to understand what is covered and what your out-of-pocket expenses may be. In some cases, there may be deductibles, copayments, or other cost-sharing requirements that you will need to consider. Additionally, some rehab facilities may not accept certain insurance plans, so verifying that your preferred treatment facility is in-network with your insurance plan is important. Furthermore, you may opt to purchase an umbrella policy, a form of personal liability insurance that can pay claims exceeding the limits of your primary insurance policy.

Check Your Insurance for Addiction Treatment

You can check your insurance coverage for drug or alcohol addiction rehab by calling us on 866-461-3339 or
by using the form below


Our admissions coordinators will interact directly with your insurance provider on your behalf, removing from your shoulders the burden of figuring out if your insurance will pay for your addiction treatment.

Does Insurance Cover Mental Health Rehab?

Insurance may cover mental health rehab. The extent of the coverage depends on factors such as your insurance plan and the treatment needed. The Mental Health Parity and Addiction Equity Act (MHPAEA) requires insurance plans to provide equal coverage for mental health and substance use disorder treatment compared to physical health treatment, making mental health rehab an essential health benefit.

All types of programs, including those offered by employers, obtained via health care exchanges, and obtained through Medicaid and CHIP, are covered by these parity rules, according to the American Psychological Association.[1]

Inpatient and Outpatient Rehab Centers That Take Insurance

Virtue Recovery Center has been saving individuals from substance misuse and rebuilding families for years with multiple treatment locations in several states. The Joint Commission accredits all of our inpatient and outpatient facilities. We are also HIPAA compliant and members of the National Association of Addiction Treatment Providers (NAATP).

Below you'll find links to all of the Virtue Recovery Center treatment facilities:

How Much Does Rehab Cost With Insurance?

The cost of rehab with insurance can vary according to several factors, including the specifics of your insurance plan, your location, and the treatment program you choose. However, as a rough estimate, the average cost of outpatient drug rehab with insurance is between $1,000 to $5,000 for a 30-day program.

Inpatient treatment, which requires staying at a treatment center for an extended period, tends to be more expensive than outpatient treatment, which allows you to live at home while receiving treatment. A general estimate of the typical monthly cost of inpatient rehab with insurance is $5,000 to $25,000 or more, depending on the above variables.[2]

Although the level of coverage might vary, most insurance plans will often pay for substance abuse rehabilitation services. While some insurance plans could cover the entire cost, others may charge a copay or require you to meet a deductible.

How To Check My Insurance Coverage Levels for Rehab Treatment

Contacting your insurance provider can be confusing and challenging. Verify insurance coverage simply by filling out our no-obligation online form. Allow one of our highly qualified staff members to contact your health insurance provider to verify your insurance coverage levels for rehab treatment. We'll contact you as soon as possible to review your policy and discuss the next steps.

Virtue Recovery Center is in-network with most major insurance plans, and we have all the answers to the common question: "Does insurance cover rehab?" We eliminate the difficulties and wait times associated with contacting your insurance provider. In addition, you can rest assured that any information you provide or discuss will remain confidential.

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How To Check My Insurance Coverage Levels for Rehab Treatment

Contacting your insurance provider can be confusing and challenging. Verify insurance coverage simply by filling out our no-obligation online form. Allow one of our highly qualified staff members to contact your health insurance provider to verify your insurance coverage levels for rehab treatment. We'll contact you as soon as possible to review your policy and discuss the next steps.

Virtue Recovery Center is in-network with most major insurance plans, and we have all the answers to the common question: "Does insurance cover rehab?" We eliminate the difficulties and wait times associated with contacting your insurance provider. In addition, you can rest assured that any information you provide or discuss will remain confidential.

How To Get My Insurance To Pay For Rehab Treatment

Getting your insurance to pay for rehab treatment involves several steps. Here are some general steps you can follow:

  1. Verify your insurance coverage: It’s important to know what services are covered, what your deductible is, and what your out-of-pocket expenses might be.
  2. Choose a rehab center that accepts your insurance: Find rehab centers that take insurance. For example, Virtue Recovery Center treatment facilities are in-network with most major insurance plans.
  3. Obtain pre-authorization: Many insurance plans require pre-authorization before covering addiction treatment. This means you'll need to get approval from your insurance provider before beginning treatment. Virtue Recovery Center can help you with this process.
  4. Follow the treatment plan: Once you've obtained pre-authorization, follow the treatment plan recommended by your healthcare provider. This may include attending counseling sessions, participating in support groups, taking medication, and any aftercare services for relapse prevention.
  5. Monitor your coverage: Keep track of your insurance coverage during treatment to ensure that your insurance company pays for the services they've agreed to cover. Contact your insurance provider or rehab center immediately if you notice any discrepancies or problems with your claims.

The process of how to get insurance to pay for inpatient rehab or related treatment can be complex and depend on your insurance provider and particular plan. Therefore, staying informed and advocating for yourself is essential to ensure you receive the coverage you need.

How Many Times Will Insurance Pay For Rehab?

How many times insurance will pay for rehab and how long does insurance pay for inpatient rehab depends on your plan and the specific program you seek. Many insurance plans have a maximum lifetime benefit for substance abuse treatment, which means they will only cover a certain number of treatment episodes or a specific dollar amount over your lifetime.

However, some plans may cover multiple rounds of treatment if deemed medically necessary. It's important to verify these details with your insurance provider to understand the specifics of your plan and what benefits are available to you.

Your treatment progress may also affect how often your insurance covers rehab. For instance, your insurer may be more likely to pay for further treatment if you successfully finish a treatment program but then relapse. Ultimately, depending on personal circumstances and insurance policies, the frequency with which insurance will cover rehab might vary considerably.

Can You Go To Rehab Without Insurance?

Yes, you can go to rehab treatment without insurance. The following are some available alternatives if you don't have insurance or if your insurance doesn't cover addiction treatment:

  • Pay for therapy out-of-pocket: Many treatment centers provide financing alternatives or sliding scale costs based on income.
  • Community-based groups, nonprofits, or government-funded programs: These programs are usually inexpensive or free and can include a variety of treatments, such as therapy and detoxification. To locate low-cost substance use disorder treatment and services, simply do an Internet search for your state, county, or city.
  • Employee Assistance Programs (EAPs): If employed, your company may have an EAP offering addiction treatment services. EAPs are typically designed to provide support and resources for employees struggling with personal or work-related issues.
  • Faith-based programs: Some faith-based organizations offer treatment services to individuals seeking help with their addiction. These programs may incorporate religious or spiritual practices into their treatment approach.

While these choices may allow you access to addiction treatment without insurance, it's important to remember that service accessibility and level of care might differ significantly. Therefore, it's essential to conduct your research, consult with medical specialists, and look for accredited treatment providers to ensure you get the best possible care.

Furthermore, the cost of addiction rehab shouldn't prevent you from receiving rehabilitation services or other suitable treatments. If you or a loved one is thinking about receiving treatment for a drug or alcohol addiction, Virtue Recovery Center wants to make sure you or they have the best coverage possible. We'll collaborate with you to develop a cost-effective payment strategy for unexpected expenses.

Check Your Insurance Coverage With Virtue Recovery Center

If you’re committed to recovery, submit a request to one of our professional admission coordinators today using the form below. Before discussing the next steps, a coordinator will address any inquiries regarding our programs, including interacting directly with your insurance provider on your behalf to check your insurance coverage levels.

STEP 1

Using your Health Insurance Card, fill out all of the fields on the confidential form.

STEP 2

A member of our staff will contact your insurer to verify if your policy will cover your treatment

STEP 3

We will contact you promptly with the results of the verification and discuss the next steps

*Insurance Disclaimer: Virtue Recovery Center will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note that this is only a quote of benefits and/or authorization. We cannot guarantee that payment or verification eligibility will be accurate and complete as conveyed by your health insurance provider. Payment of benefits is subject to all terms, conditions, limitations, and exclusions of the member’s contract at the time of service. Your health insurance company will only pay for services it determines to be “reasonable and necessary.” Virtue Recovery Center will make every effort to have all services preauthorized by your health insurance company. Suppose your health insurance company determines that a particular service is not reasonable and necessary or that a specific service is not covered under your plan. In that case, your insurer will deny payment for that service, and it will become your responsibility.

Your Name*
Who is seeking treatment?*
Name of Patient
MM slash DD slash YYYY
Insurance Company's Name*

*Insurance Disclaimer: Virtue Recovery Center will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” Virtue Recovery Center will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.

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