Author: John Carter

Substance Use Resource Center Blue Cross Blue Shield

does insurance cover drug treatment

Dual diagnosis treatment provides mental health treatment in addition to addiction recovery to start recovery at the source. Without insurance, it’s still possible to receive addiction treatment. Though cost varies based on location and type of treatment, the average cost of treatment for addiction can range anywhere from $1,600 to about $45,000.

Outpatient treatment costs vary based on the same factors as inpatient treatment costs. However, this can range from around $1,500 to $2,900, or more for intensive outpatient treatment. Inpatient treatment costs vary from state to state, facility to facility, and individual to individual. However, the average cost of an inpatient treatment program is around $7,000. There is a lot that goes into understanding substance abuse treatment and the ways it interacts with health insurance. However, by understanding some baseline concepts and checking in with your provider, it can be pretty straightforward.

It is recommended that you seek professional guidance on treatment from your doctor or a treatment provider. A clinical assessment is typically used to determine the recommended treatment option, but for general information, the following are some examples of potential options that may be considered. Awareness and education are crucial to understanding ways to prevent and effectively treat substance use disorders.

does insurance cover drug treatment

In the event of a suspected medical emergency, dial 911 immediately. If you’re ready to take the next step in finding a treatment program covered by your insurance for you or your loved one, give our helpline a call today. It’s important to note that we do not gain financially or in any other form from referrals to different treatment centers. Review these 12 key questions to determine whether you or a loved one would benefit from seeking medical treatment.

Types Of Addiction Treatment Insurance May Cover

Insuring approximately 5 million people in the U.S., Amerihealth is a private insurance provider that offers EPO, HMO, HSA, and Medicare plans. If you have dual insurance, or two or more insurance providers, you may still receive coverage for addiction treatment, it may just look a little bit different. The Affordable Care Act (ACA) has provided wider access to substance abuse treatment for the masses.

does insurance cover drug treatment

Find a Blue Distinction treatment facility using our Provider Directory.

Are all MAT medications covered by insurance?

Medicaid plans also offer some coverage for drug and alcohol abuse treatment. As mentioned above, this list is not comprehensive of all of the insurance plans that help cover substance abuse treatment. Anthem Blue Cross Blue Shield is another insurance provider in the U.S. that will help cover the cost of your addiction rehab. Anthem BCBS is a little different from other providers, offering health coverage through bronze, silver, and gold plans.

  1. Offering several different healthcare plans, this insurance company is another provider that you can use to access addiction treatment.
  2. Based on which provider is considered your primary insurance, your bills will go to this provider first.
  3. Over 27 million Americans receive insurance coverage through UnitedHealthcare.
  4. The Substance Use Resource Center is a publicly-available, national resource designed to support people seeking substance use treatment and recovery services.
  5. Exclusive provider organizations (EPO) are another kind of plan.
  6. Anthem BCBS is a little different from other providers, offering health coverage through bronze, silver, and gold plans.

Understanding insurance coverage can easily become overwhelming when starting your journey toward recovery. Mental Health and Addiction Insurance HelpThis tool helps consumers find the correct resource to solve Mental Health and Substance Use Disorder insurance coverage issues. Note – Members are encouraged to call the member services number on the back of their member ID card for assistance identifying a provider in their plan network. The content on is intended purely for informational and educational purposes. The information available on shouldn’t be utilized as a means to diagnose or treat health issues or diseases. If you think you might be facing a health challenge, please consult with a healthcare professional.

Cigna is a health insurance provider in the U.S. that helps cover nearly 86 million individuals. Cigna provides OAP, PPO, HRA, and HSA plans, all of which will help cover addiction programs in some capacity. Blue Cross Blue Shield is an insurance provider that is a part of Anthem BCBS. Offering several different healthcare plans, this insurance company is another provider that you can use to access addiction treatment. Types of addiction treatment your insurance may cover will vary.


There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. The Substance Use Resource Center is available to support all individuals with substance use disorder needs, however, there may also be additional support services offered at the state level. Use our interactive map below to find other local substance use disorder resources available in your state. Though we’ve covered the general concepts of insurance coverage and substance abuse treatment, you may have a couple more questions. Dual diagnosis treatment is another kind of treatment service you may be able to get covered by your health insurance.

How much does inpatient rehab cost?

By giving your insurance provider a call, you should be able to find out if they cover drug and alcohol rehab fairly easily. Some plans may offer less coverage with lower premiums or copays. Aside from your provider, there are other factors to keep in mind when it comes to getting substance abuse rehab covered.

Factors In Rehab Insurance Coverage

The ACA helps with coverage expansion by making millions of previously uninsured people eligible for insurance coverage. As a result, more people are able to access alcohol and drug rehab since they are now insured. Treatment options can vary depending on the severity of addiction and specific needs of the individual.

Additionally, some rehab facilities offer sliding scale pricing or even scholarships to help you pay for substance abuse treatment. You can almost always set up a payment plan at most treatment centers to pay for your treatment over time. Many different kinds of programs offered by healthcare providers may be covered by your plan. With insurance, you may not have to take on the full brunt of the cost. In short, yes, insurance does cover alcohol and drug addiction rehab.