Do Mental Health Rehab Centers Take Insurance?

Treatment costs for substance use disorders (including drug and alcohol addiction) are often covered by health insurance coverage. Many people wonder, however, “Does insurance cover mental health?” The short answer is yes. Read on for more information about mental health insurance coverage.

We Work With Most Insurances

What is Mental Health Treatment?

Mental health treatment refers to the various interventions and therapies designed to help individuals with mental health disorders or conditions. These treatments may include medication management, psychotherapy, counseling services, cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), and other evidence-based approaches.

The goal of treatment is to provide mental health support to individuals to manage symptoms better, improve their quality of life, and work toward recovery and mental wellness. Treatment may be provided by a range of mental health professionals, including psychiatrists, psychologists, licensed therapists, and social workers.

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.

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How To Get My Insurance To Pay For Mental Health Rehab Treatment

To get your mental health retreat covered by insurance for mental health rehab treatment, you can follow these general steps:

  • Understand your insurance policy: Review your insurance policy to understand your coverage and any limitations or requirements for mental health rehab treatment.
  • Get a diagnosis: Seek a professional diagnosis from a licensed mental health professional, as your insurance company may require this to approve coverage.
  • Check your network: Check if your healthcare provider is in-network with your insurance plan. In-network providers generally have lower costs and may have better coverage options. Virtue Recovery Center is in-network with most insurance companies. Call us at 866-260-4920, and we can verify if we are in-network with your carrier.
  • Get pre-authorization: Obtain pre-authorization from your insurance company for mental health rehab treatment. This may involve submitting a treatment plan or medical records to your insurance company. A treatment provider, like Virtue Recovery Center, can assist with this step.
  • Follow the treatment plan: Once you have received approval for treatment, follow the recommended treatment plan provided by your healthcare provider. You risk losing coverage if you fail to do so.
  • Submit claims: Submit claims to your insurance company for any services received. Again, your treatment provider can typically help with this step. However, keeping track of all bills and receipts related to your treatment is still wise.

Mental Health Statistics

  • According to 2021 estimates, 57.8 million Americans (or more than one in five) live with a mental illness.2
  • Females (27.2%) were more likely than males (18.1%) to have any mental illness (AMI).
  • In 2021, 26.5 million (47.2%) of the 57.8 million individuals with AMI got mental health care in the previous year.
  • 8% of adults aged 18 and over have regular feelings of depression.3
  • Every year, 1 in 6 American adolescents ages 6 to 17 suffer from a mental health issue.4
  • Among those ages 10 to 14, suicide is the 2nd leading cause of death.
  • About 162 million people live in an area with a shortage of mental health professionals.5
  • Compared to the general population, those with depression have a 40% increased risk of having cardiovascular and metabolic illnesses.6
  • In 2020, 17.1 million adults with mental illness in the United States also had a substance use disorder.7
  • In the United States, at least 8.4 million adults receive care for a mental or emotional health condition.8
  • Unpaid caregivers spend an average of 32 hours per week with persons with mental or emotional health challenges.
  • Each year, lost productivity associated with depression and anxiety disorders costs the global economy $1 trillion.9
  • According to estimates, 66% of Americans 18 or older who had a major depressive episode in the previous year received depression treatment.10

Frequently Asked Questions (FAQ)

Does Insurance Cover Mental Health Rehab?

Yes, insurance may cover mental health rehab, but the extent of coverage can vary based on the specific insurance policy and the treatment needed, among other factors. The Mental Health Parity and Addiction Equity Act of 20081 requires most insurance plans to provide coverage for mental health and substance use disorders equivalent to medical and surgical care coverage.

Insurance plans cannot impose higher deductibles, co-payments, exclusions, or limits on the number of mental health and substance use disorder treatment visits than they do for medical and surgical care. However, some insurance plans may have specific mental health rehab coverage requirements, such as pre-authorization or particular providers.

In addition, according to the Affordable Care Act, no one may be refused access to health insurance because of a pre-existing condition.2 This implies that all health insurance carriers must cover mental health care and treatment services to the same extent as physical or surgical care.

We can verify your mental health insurance coverage details – call 866-461-3339 to start the process today.

What is Rehab Insurance Coverage?

Rehab insurance coverage is a type of insurance policy that provides coverage for rehabilitation services. Rehabilitation involves various services designed to help the insured recover from a mental illness, injury, or addiction. Rehab insurance coverage may include coverage for services such as physical therapy, occupational therapy, and behavioral and cognitive therapy.

How Much Does Mental Health Rehab Cost With Insurance?

Insurance coverage, the type of therapy required, the length of the treatment, and the healthcare provider are just a few of the variables that might affect how much mental health rehab will cost you. Virtue Recovery Center is happy to verify your insurance policy specifics to determine your level of coverage and provide you with more accurate pricing. Call 866-260-4920.

For psychiatric residential treatment centers, costs can average and range from $10,000 to $60,000 per month or ($320 to $1,930 per day). Keep in mind this is only an estimate. The particular treatment facility and the therapies provided account for a large portion of the cost difference. For instance, more expensive psychiatric residential treatment facilities may include spa-like services, but this does not necessarily translate to better outcomes for patients with mental illness.1

How To Check My Insurance Coverage Levels for Mental Health Rehab Treatment

The simplest way to verify insurance details is by filling out our no-obligation online form. We’ll contact your insurance carrier directly and get in touch with you as soon as possible to review your policy details and discuss the next steps. We are in-network with most insurance companies and guarantee to keep any information you share or discuss entirely confidential.

How Many Times Will Insurance Pay For Mental Health Rehab?
Can You Go Into Mental Health Rehab Without Insurance?

While accessing mental health rehab without insurance may be more challenging, options for individuals needing financial help are still available. It is possible to go into mental health rehab without insurance. Several options are available for individuals without insurance or limited coverage for mental health treatment.

One option is seeking treatment at a community health center, which may offer low-cost or sliding-scale fees based on income. Some hospitals and clinics also provide financial assistance or payment plans if you cannot afford to pay for treatment upfront. Another option is to explore nonprofit organizations and various state-funded programs that offer mental health services or support groups. These organizations may provide free or low-cost counseling, therapy, or other resources.

In addition, you may consider indemnity insurance for mental health rehab.1 This type of insurance reimburses you for certain expenses related to mental health treatment, providing greater flexibility and choice in healthcare options. You can also seek treatment from any licensed provider or facility without being restricted to a specific network.

Reach out to one of our qualified admissions coordinators with a request today. A coordinator will answer any questions about our mental health rehabilitation services, including details about cost and payment options.

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 for drug or alcohol addiction rehab.


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 Mental Health Rehab?

Yes, Virtue Recovery Center accepts insurance for mental health 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:

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We Work With Most Insurances

Find Out if Your Health Insurance Covers Rehab Treatment
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Contact Virtue Recovery Center 24/7 for inpatient treatment near you