How Does Insurance Coverage for Addiction Treatment Work?

For too many people, a major roadblock on the path to recovery is figuring out how to pay for treatment. If you’re worried about the cost of treatment and whether insurance will cover you or your family member, there is hope.

At Rosecrance, we’re here to help you find the best way to start your journey to recovery. Give us a call any time to start the process and to receive a free evaluation for you or a family member at (866) 330-8729.

Check with your insurance provider

Seeking information on insurance coverage for alcohol and drug addiction treatment typically begins with a call to your insurance provider. You can ask questions like:

  • Where am I covered to take my family member or myself?
  • Does it cover both evaluation and services? (Note: some treatment centers, like Rosecrance, offer free evaluations.)
  • Does it only cover in-network providers, or can they be out-of-network?
  • Am I restricted to a specific geographic region?

After this conversation, you should have a good sense of who to call next.

Receive an evaluation from a treatment center

The next path to determining coverage is finding out which type of treatment you need. This starts with an evaluation, which may or may not be covered by your insurance. At Rosecrance, evaluations are free and confidential.

An evaluation is an important step in determining what is clinically necessary for your path to recovery. This may mean inpatient treatment, or you might only need outpatient services. What’s important is that the treatment plan is based on your specific needs.

Some notes on insurance coverage and addiction treatment pricing

For the most part, addiction treatment and mental health coverage should look very similar to your standard medical coverage. As with other types of coverage, you’ll have a copay and a deductible to meet for the year.

If insurance does not cover the services you need, a treatment facility may be able to work out an arrangement with your insurance company. Keep in mind that a reputable treatment provider will do whatever they can to help you get the services you need, regardless of whether that provider offers those services.

If the cost of treatment is still too burdensome with insurance, there may still be options available to you or your loved one. A non-profit treatment center like Rosecrance may be able to provide financial assistance to those who qualify. Our mission is to deny nobody based on financial eligibility. To start your evaluation, give us a call at (866) 330-8729.