Rehab insurance coverage is health insurance that covers the costs associated with addiction treatment and rehabilitation services. Rehab insurance coverage can be provided through private health insurance, employer-sponsored plans, or government-funded programs such as Medicaid and Medicare.

Addiction treatment services covered by rehab insurance may include, but are not limited to, the following:

• Inpatient or outpatient detoxification
• Medication-assisted treatment
• Individual and group therapy
• Counseling
• Other behavioral health services

The extent of rehab insurance coverage will depend on the specific health insurance plan and the type of addiction treatment services needed. For example, some plans may cover the total cost of treatment, while others may require you to pay a portion of the expenses out-of-pocket.

Additionally, addiction is considered a medical condition. Therefore, addiction treatment is covered by many health insurance plans, including those offered by employers, obtained via health care exchanges, and obtained through Medicaid and CHIP under the Mental Health Parity and Addiction Equity Act (MHPAEA).[i] This law requires health insurance plans to provide coverage for mental health and substance use disorder treatment at the same level as coverage for other medical conditions.

Whether or not insurance covers luxury mental health rehab depends on the specific health insurance policy and its coverage level. For example, some health insurance plans may cover the cost of luxury mental health rehab, while others may only cover standard mental health rehab.

Keep in mind that luxury mental health treatment might cost significantly more than conventional mental health rehab, and insurance may not fully cover the expense. Therefore, you may need to make out-of-pocket payments in many situations to cover the therapy’s remaining costs.

In addition, you’ll often have a deductible, and you might need to look for a rehab center in-network with your particular insurance plan. It’s also important to remember that some insurance policies can impose exclusions and limitations on the number of days a patient can remain in a posh mental health facility or the particular facilities or services that are covered.

Finally, many insurance companies will only cover medically necessary services, such as medical detox and dual diagnosis. However, the more opulent services offered at luxury rehab facilities, like massages and recreational activities, may not be covered.

The cost of luxury rehab with insurance can vary widely depending on several factors, including your health insurance plan, the specific treatment center, the level of care needed, and the duration of treatment. In general, the cost of luxury rehab with insurance may be partially covered by the insurance plan, but you may be responsible for some out-of-pocket costs.

Depending on the level of luxury, a residential addiction treatment program may cost anywhere from $5,000 to $80,000. On average, the cost of outpatient therapy, or receiving treatments without being hospitalized, can range from $1,400 to $10,000 for 30 days.¹ Of course, these are only average costs that can change according to many variables.

Verify insurance coverage levels for luxury rehab treatment easily by filling out our no-obligation online form. One of our highly qualified staff members will then contact your health insurance provider to verify your rehab treatment benefits. We’ll contact you as soon as possible to explain your policy and discuss the next steps.

Virtue Recovery Center is in-network with most insurance plans. To relieve you of the responsibility of answering the question, “Does insurance cover luxury rehab,” our admissions coordinators will speak with your insurance company directly, eliminating the challenges or confusion associated with contacting your insurance provider yourself.

In addition, all information provided or discussed will remain completely confidential.

Being persistent and advocating for your right to receive the care you need is essential. There are several steps you can take to increase your chances of attending luxury rehab covered by insurance:

• Get a referral: In many cases, insurance companies require a referral from a primary care physician or mental health professional to authorize treatment. Speak with your doctor about your addiction and request a referral to a qualified addiction treatment program.
• Verify your benefits: Contact your insurance company or allow Virtue Recovery Center to contact them to verify insurance benefits. Ask specifically about inpatient care and outpatient treatment programs and information on deductibles, copays, and the types of treatment covered. You may also want to review any exclusions or limitations on coverage.
• Find a treatment center: Once you know what your insurance will cover, research addiction recovery centers that accept your insurance. Look for centers that have experience working with your insurance company and that offer the type of treatment you need.
• Submit a claim: Once you’ve selected a treatment center, ask the center to submit claims to your insurance company on your behalf. Be prepared to provide any necessary documentation or medical records to support your claims.

The frequency with which insurance covers rehabilitation varies depending on the patient’s insurance plan and the required care. For instance, some insurance plans only cover a certain number of days in rehab, while others may pay for an unlimited number of visits or have separate coverage restrictions for inpatient and outpatient care.

Yes, it is possible to go to a luxury rehab facility without insurance coverage. However, it’s important to note that luxury rehab centers can be expensive. The following are some options 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 options or sliding scale costs based on your income.
• Community-based groups, nonprofits, or government-funded programs: These programs can involve several therapies, such as counseling and detoxification, and are typically affordable or free. Simply conduct an Internet search for your state, county, or city to locate low-cost substance use disorder treatment and services.
• Employee Assistance Programs (EAPs): Your place of employment may have an EAP offering addiction treatment services. EAPs usually provide support and resources for employees struggling with personal or work-related issues.
• Faith-based programs: People seeking addiction treatment can find it at several faith-based groups. These programs may use spiritual or religious practices as a therapeutic strategy.
• Group therapy: Support groups can be a more affordable option if you don’t require intensive medical care or detoxification. Group therapy allows individuals to connect with others who are going through similar experiences and can provide a supportive environment for recovery.
• Self-help groups: Self-help groups, like Alcoholics Anonymous (AA) or Narcotics Anonymous (NA), provide a free and accessible support network for individuals in recovery. These groups offer peer support, education, and accountability and can be a helpful supplement to other forms of treatment.

While these choices may allow you access to addiction treatment without insurance, it’s important to remember that service accessibility and level of care may vary significantly. Therefore, conduct your research, consult medical professionals, and look for recognized treatment providers to ensure you get the best possible care.

Addiction treatment costs shouldn’t stop you from getting the necessary, appropriate treatment. If you’re thinking about entering treatment for drug addiction or alcoholism, Virtue Recovery Center wants to ensure you or a loved one receives the finest care possible. We’ll work with you to develop a suitable payment schedule for unanticipated expenses.

Send a request to a qualified admissions coordinator now if you’re committed to recovery. Before going over the next stages, a coordinator will respond to any concerns or questions about our luxury rehab programs and services, including details on pricing and payment options.

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 for drug or alcohol addiction rehab.