Do Residential Inpatient Rehab Centers Take Insurance?

Inpatient rehabilitation treatment is frequently covered by health insurance. However, the amount to which insurance will pay for residential treatment varies according to many factors, including the specific behavioral health benefits your policy provides, the rehab facility, and your unique needs. Below are all the answers you’re looking for to the question, “Does health insurance cover inpatient rehab?”

We Work With Most Insurances

What is Residential Inpatient Treatment?

Residential inpatient treatment is a type of mental health, substance abuse, or addiction treatment program that provides 24-hour care in a live-in facility. It is designed to help individuals with severe mental health or substance use disorders requiring intensive care and structured treatment.

During residential inpatient treatment, individuals live at the treatment facility for a designated period, typically from a few weeks to several months. They receive individual and group therapy, participate in educational and therapeutic activities, and receive psychiatric and medical care as needed.

Residential treatment aims to provide individuals with a safe and supportive environment to focus on their recovery and develop the skills and strategies needed to manage their mental health or addiction challenges. It can be a highly effective form of treatment for those who need a more intensive level of care than outpatient treatment can provide.

Does Your Insurance Cover Rehab?

Find out your health insurance coverage levels for rehab treatment.

CALL (866)-461-3339

We accept most insurance plans and can check your coverage levels on your behalf.

 health insurance notebook drugs

How To Get My Insurance To Pay For Residential Rehab Treatment

Suppose you are seeking residential rehab treatment for intensive care or hospitalization for acute care and would like your insurance to cover the cost. In that case, there are several steps you can take to help ensure that your claims are approved:

  • Review your insurance policy: Thoroughly review your insurance policy to understand what is covered and the limitations or exclusions for addiction treatment.
  • Obtain pre-authorization: Many insurance plans require pre-authorization or a referral from a healthcare provider to receive inpatient insurance coverage. Find out what is needed for pre-authorization.
  • Choose an in-network provider: Attending an inpatient facility that is in-network with your provider can help ensure that your claim is approved and that you receive the maximum amount of coverage available under your policy.
  • Submit a claim: After receiving treatment, submit a claim to your insurance provider as soon as possible. Include all necessary documentation, such as treatment records and receipts. The treatment facility will likely submit claims on your behalf. Verify this before choosing a treatment provider.
  • Follow up with your insurance provider: Don't give up if your claim is denied. Instead, follow up with your insurance provider to determine why the claim was rejected and the steps you may take to appeal the decision.
  • Consider working with an advocate: If you are having trouble getting your insurance to cover the cost of residential rehab treatment, consider working with an insurance advocate or addiction treatment specialist who can help you navigate the process and advocate on your behalf. Virtue Recovery Center’s admissions coordinators are ready and willing to assist.

Inpatient Rehab Statistics

  • In 2019, 1.5% (4.2 million) of Americans aged 12 and older got some type of drug use treatment, and 1% (2.6 million) received such treatment at a specialty facility.1
  • In 2019, 1 million individuals aged 12 and older got inpatient rehabilitation therapy.
  • From 0.7% (or 1.5 million individuals) in 2002 to 1% (or 2.4 million people) in 2019, more adults aged 18 and older got inpatient mental health care.
  • On March 31, 2020, 54% of patients were receiving treatment for drug addiction alone, 32% were receiving treatment for both alcohol and drug abuse, and 14% were receiving treatment for alcohol abuse only.2
  • The proportion of patients receiving treatment for co-occurring mental health and substance use disorders rose from 41% in 2011 to 49% in 2020.
  • In 2020, 3.7% (or 301,000 persons) of the 8.2 million young adults (18–25) who needed substance abuse treatment in the previous year received it at a specialty facility, such as an inpatient facility.3
  • In 2019, 1.5% of adolescents with a past-year substance use disorder who did not undergo treatment at a specialized institution felt like they needed treatment.
  • The following reasons were often given by those aged 12 or older with a prior year substance abuse problem who did not obtain treatment at a specialty facility but felt they needed therapy:
  • 9% were not ready to stop using
  • 8% didn’t know where to go for treatment
  • 9% didn’t have health insurance and were unable to afford the cost of treatment
  • More adolescents between the ages of 12 and 17 got mental health treatment in a specialty mental health facility, from 11.8% (or 2.9 million individuals) in 2002 to 16.7% (or 4.1 million people) in 2019.
  • Studies have shown that individuals who complete an inpatient rehab program are more likely to achieve and maintain long-term sobriety than those who do not receive treatment or receive outpatient treatment only.
  • In a survey of 164 opioid addicts (80% of whom had previously undergone detox), 27% reported relapsing on the day they were released from their short-term detoxification program, and 65% reported relapsing within 30 days.
  • This is one reason patients are strongly advised to complete at least 90 days of treatment, ideally with at least 30 days in an inpatient care setting.4
 Psychotherapist Working with Man in Hoodie Indoors Head in Hands

Frequently Asked Questions (FAQ)

Does Insurance Cover Inpatient Rehab?

Many health insurance policies provide coverage for inpatient care, although the specific details of inpatient insurance coverage can vary. Some insurance providers may cover the entire cost of inpatient rehab, while others may only cover a portion. It is important to verify insurance specifics of your policy to determine your benefits and out-of-pocket expenses.

In general, insurance plans that cover inpatient rehab will typically cover the cost of a room, meals, medical care, and therapy or other treatment services provided during the stay. However, some plans may have limitations or exclusions on the types and duration of treatment covered.

Additionally, some insurance plans may require pre-authorization or a referral from a healthcare provider to receive coverage for in-house care. Therefore, understanding any requirements or restrictions on coverage before beginning treatment to avoid unexpected expenses or denied claims is important.

How Much Does Inpatient Rehab Cost With Insurance?

The cost of inpatient addiction rehab with insurance will depend on factors such as the length of stay, the type of treatment, the location, and the specifics of your insurance policy. Out-of-pocket expenses such as deductibles and copays may also impact the overall cost of treatment. However, the cost of a 30-day program typically ranges from $5,000 to $20,000.1

How To Check My Insurance Coverage Levels for Inpatient Rehab Treatment

Contacting your insurance carrier can be a daunting task. Easily verify insurance details by filling out our no-obligation online form. One of our highly qualified staff members will contact your health insurance provider to confirm your inpatient insurance coverage levels for rehab treatment. Then, we’ll contact you as soon as possible to review your policy and discuss the next steps.

Since Virtue Recovery Centers accept most major insurance plans, we take care of the hassles and wait periods involved in calling your insurance company. Furthermore, we guarantee that any information you provide or discuss is confidential.

How Many Times Will Insurance Pay For Inpatient Rehab?
Can You Go to Inpatient Residential Rehab Without Insurance?

Going to inpatient residential rehab without insurance is possible, but it can be quite expensive. Residential treatment is often one of the most costly types of addiction treatment, and without insurance, the cost can be prohibitive for many people. However, there are some options for individuals who do not have insurance and need inpatient care.

Some rehabilitation facilities offer sliding scale fees based on income or may provide financial assistance programs to help individuals pay for treatment. Some government-funded programs, such as state-funded rehab and community health centers, also provide free or low-cost addiction treatment.

If you are considering inpatient residential rehab but do not have insurance, research and explore all your options for financing your treatment. Speak with the rehab facility to learn more about their payment options and financial assistance programs. Also, consider reaching out to local government agencies or non-profit organizations that may be able to help you access affordable addiction treatment.

Additionally, the cost of addiction treatment shouldn’t stop you from seeking appropriate therapies or recovery programs. Virtue Recovery Center wants to make sure you or a loved one receives the finest treatment available if you or they are considering getting treatment for a drug or alcohol addiction. We’ll work with you to create an affordable payment plan for unforeseen costs.

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.

What is Rehab Insurance Coverage?

Rehab or addiction treatment insurance coverage refers to how much an insurance policy covers the cost of addiction treatment or rehab services. Many health insurance policies provide some level of coverage for addiction treatment, although the specifics of that coverage can vary widely.

Typically, rehab insurance coverage includes some or all of the cost of outpatient and inpatient addiction rehab and mental health care, such as detoxification, individual and group therapy, medication-assisted treatment, and aftercare services. However, the amount of coverage and the specific benefits can vary depending on the insured’s policy and the location of the treatment facility, among many other factors.


Get immediate treatment help now. 100% safe & confidential.

CALL (866)-461-3339

Contact us to schedule a free confidential assessment with a licensed clinician.

Does Virtue Recovery Center Take Insurance for Inpatient Rehab?

Yes, Virtue Recovery Center accepts insurance for inpatient rehab services from most major health insurance providers. Virtue Recovery Center is also in-network with many insurance providers in Arizona, Nevada, Oregon and Texas. Some of these insurance providers include but not limited to:


Aetna is a leading diversified healthcare benefits company. Known for their comprehensive coverage, Aetna offers a range of plans, many of which cover addiction treatment services.


Ambetter is known for affordable and customizable health insurance plans. Their behavioral health coverage often includes substance abuse treatment.

Blue Cross Blue Shield

A nationwide association of independent, locally operated Blue Cross and Blue Shield companies, is renowned for its extensive network and wide coverage.


Cigna is a global health service company that offers various health insurance policies, many of which include behavioral health benefits.


HealthSmart is an innovative healthcare solutions company, offers personalized, flexible health benefit solutions. 


Magellan is managed healthcare company that is known for its focus on behavioral health and offers specific coverage for substance abuse treatment.


Medicaid is a government-run program, provides health coverage to certain low-income individuals and families. In Arizona, Medicaid is know as the  Arizona Health Care Cost Containment System (AHCCCS) and can cover substance abuse treatment for eligible individuals.


Multiplan is one of the nation's largest provider of healthcare cost management solutions, also collaborates with Virtue Recovery Center.


TriWest manages healthcare for the military community. Their services often cover substance abuse treatment, making rehabilitation accessible for veterans and their families.

Empowering Your Path to Lasting Recovery Top Reasons to Choose Virtue Recovery Center

At Virtue Recovery Center, we understand that selecting the right addiction treatment facility is a crucial step toward your recovery. That’s why we’re committed to offering exceptional care that stands out in the realm of addiction recovery.

Our Success Rate

Virtue Recovery Center prides itself on its evidence-based approach and outstanding success rates. We continuously monitor and evaluate our treatment outcomes to ensure we are providing the best possible care, with success rates that surpass industry averages.

Commitment to Your Recovery

Our dedication to your long-term wellness is unwavering. If you successfully complete our comprehensive 90-day treatment program and face challenges post-treatment, we offer a complimentary 30-day return to our center to help get you back on track.

Accessibility and Inclusivity

We believe that everyone deserves the chance to recover, which is why we accept a wide range of insurance plans and offer various financing options. Our centers are strategically located to ensure that top-notch care is within reach for those in need.

Ongoing Support and Community

Recovery is a lifelong journey, and at Virtue Recovery Center, we are with you every step of the way. Beyond initial treatment, we provide extensive post-recovery support, including sober living options and a vibrant network of alumni, to help you maintain your sobriety and build a fulfilling life in recovery.

Real Stories of Hope and Healing from Virtue Recovery Center

Virtue Recovery Centers in Las Vegas offering every level of care to help those in need, to include substance use and eating disorders. 3 beautiful facilities with knowledgeable, caring, compassionate and dedicated staff who truly care. Medical, clinical, operational and dietary teams work together for the most positive outcomes. The Alumni program is beyond anything I have ever seen, offering support and encouragement after discharge for as long as needed. The facilities are beautiful, welcoming, and well maintained. The rooms are spacious and comfortable. The housekeeping staff is exceptional, and the food is incredible! Come take a tour and see for yourself. I would not send my loved ones anywhere else.

Virtue is one of the nicest, newest, and cleanest facilities I’ve ever been at. It’s not beaten up and chaotic like all other places I’ve been to! It has a good energy, and positive vibe feeling of peace and serenity. Staff is kind too! It has been a breath of fresh air! Perfect for starting your brand new life!

I can honestly say that this place helped me with my SUD and changed my way of thinking. The staff are all so open and friendly and someone is always there to lend an ear or a helping hand. I’ve been to a few rehabs and they have been nothing compared to Virtue in how they were run, the therapy and therapists, and the fact that the staff all love their jobs and truly do care for you. If you need help, or someone you love needs help, then don’t waste time or money trying anywhere else.

I cannot say enough positive things about this place. I came in as a first-timer to a residential facility and brought along with me a multitude of mental health struggles and addictions that had had a handle on my life for a long time.

• The staff is beyond amazing and genuinely invested in the wellbeing of the clients.
• My therapist was by far the best I have ever seen and so easy to talk to; I left with a better understanding of myself than I’ve had in my entire life.
• My case manager was insanely kind and went above and beyond for me.

Read the full review

I hit a rough patch heading into the holidays and relapsed, so I went back to Virtue for help. I had gone to the facility in Vegas a while back, but for insurance reasons I had to go to Killeen. Yes! Virtue is that good of a facility it’s worth traveling to, Killeen provided transportation to and from Austin airport. Really the only thing different between the two facilities was the location. Killeen is definitely a 5-star treatment center, very clean with beautiful room and comfortable beds. The staff was amazing from housekeeping to the director! Their program is great with a nice mix of classes and free time, with plenty of activities to do. The food is really good too, provided by in house executive chefs! Just another shoutout to the staff, very caring, genuine and loving what they do! I had forgotten a couple of things when I had packed, and a staff member went personally to the store and picked up what I needed. You cannot go wrong by picking Virtue for your treatment! oh… also ask about “Tyrone Bingo” it’s a wonderful night of entertainment!! Big hearted thank you to all the staff, you’re all a blessing!! followed with the “Serenity Prayer.”

Virtue is a special place. As soon as you arrive you are accepted as if you are family. The staff is beyond amazing. They are the definition of ride or die. They will go to the ends of the earth to make sure you have everything you need to be successful on your road to recovery. If you want a better life call them now, check in, and wait it out, because patience is a Virtue!!!!!!!

I cannot say enough good things about Virtue. This place helped me completely turn my life around. The staff are an amazing group of people who are what really makes this recovery center what it is. The compassion and real love they share with each and everyone who comes through the door on their road to recovery is astounding. If I listed off all the names of the staff who actually care wholeheartedly about each individual I would need a copy of the payroll list they are all so amazing. Thank you all so much for everything.

Rehabs That May Accept Insurance

Virtue Recovery Center operates a network of facilities across the country, offering comprehensive addiction and mental health care for you or your loved one in a supportive and healing environment.

Check Your Insurance Coverage for Rehab Treatment

Find out your health insurance coverage levels for substance abuse rehabilitation programs. We are in-network with most health insurance providers and may accept your insurance plan too.

Inpatient and Outpatient Rehab Centers That Take Insurance

With multiple treatment facilities in different states, Virtue Recovery Center has rescued people from substance abuse and restored families for years. The Joint Commission accredits all of our inpatient/outpatient centers. In addition, we are a member of the National Association of Addiction Treatment Providers (NAATP) and are HIPAA compliant while maintaining transparency and adherence to applicable laws and regulations.

Below you’ll find links to all of our treatment facilities:

 near me facility usa e1685969736126

We Work With Most Insurances

Find Out if Your Health Insurance Covers Rehab Treatment
Sources and Citations


Contact Virtue Recovery Center 24/7 for inpatient treatment near you