Does My Health Insurance Cover My Addiction Treatment?

At St. John’s Recovery Place, we believe that anyone who needs addiction treatment should have access to quality, compassionate care that will lead to recovery. Paying for drug or alcohol rehab, with or without insurance, can be overwhelming to face, but the short-term cost that you face upfront is quite small in comparison to the lifelong benefit that comes from investing in your recovery.

To find out if drug or alcohol rehab, alcohol detox, or substance use treatment is covered by your insurance, click the “Verify Insurance” button below to fill out a quick and easy insurance verification form and we’ll immediately begin working out the details of your treatment with your insurance provider.

Click Here to Verify Your Insurance Policy

Even if you don’t have drug or alcohol rehab insurance, or you’re worried that your insurance will not cover treatment at St John’s Recovery Place, we welcome you to give us a call. Our admissions team has worked with many different insurance companies over the years and we have a deep understanding of self-pay options that may make drug or alcohol rehab affordable. If we can’t help you secure treatment at SJRP, we’ll help you find other rehab options without insurance for treatment that is right for you or your loved one. We believe that everyone who needs treatment should have access to safe, quality care with, or without, insurance coverage.

We Accept Most Major Insurance Plans

St John’s Recovery Place is in-network with most major insurance providers. Many health insurance plans provide coverage for alcohol and drug addiction treatment. The recent passage of the Affordable Care Act has made access to addiction treatment more affordable and possible for many Americans. Drug and alcohol rehab insurance coverage options vary by plan and policy so it’s best to check with your insurance provider or the rehab center that you’re interested in attending before you make a commitment.

Please feel free to reach out to our admissions team to learn more about your insurance coverage and the potential out of pocket costs associated with substance use disorder treatment for yourself or a loved one. We’ll verify your drug rehab insurance coverage and provide you with an estimate of your financial responsibility after your insurance pays their portion – many are delighted to find that their insurance covers all, or nearly all, of their treatment costs and there is very little out of pocket expense.

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What Kind of Addiction Treatment Programs Does Insurance Cover?

Alcohol and drug rehab insurance coverage includes support for a wide range of treatment programs with a focus on helping clients overcome addiction to drugs or alcohol and underlying behavioral or mental health conditions. Depending on the individual details of your insurance plan, drug and alcohol rehab insurance may cover:

St. John’s Recovery Place, a Central Florida drug and alcohol treatment center, works closely with many major health insurance providers including Humana, BCBS, Aetna and Florida Health Care Plans, to offer clients the best addiction treatment at a very affordable cost. Your rehab insurance may pay for many of the services provided at our Florida medical detox and residential drug and alcohol rehab center. Find out if your insurance covers treatment at St John’s recovery Place by calling 833-397-3422 to speak with our admissions team.

Health insurance was not easily obtained by many prior to the Affordable Care Act. Many considered health insurance coverage a “luxury” that only the rich or well-off could afford. Those with lower salaries or on a strict budget could not afford the expensive costs of health care coverage prior to the passage of the Affordable Care Act in 2014. As a result, many would do their best to save for potential health problems and would pay for treatments as they could. Rarely would the lower class or even the middle class receive preventative care or routine check-ups. Addiction to drugs or alcohol would often go untreated for many years for those without insurance – the thought of going to rehab was just too expensive to even consider.

With the 2014 passage of the Affordable Care Act, rehab insurance coverage became more prominent in society as 86% of American’s were finally covered by health insurance, many for the very first time in their adult lives. Not only was insurance that covers rehab finally available to the average American, coverage for essential care, mental illness, and various other health problems was also available to these individuals and families, and all at an affordable price. Finally, Americans could receive the Florida drug and alcohol treatment protocols that they needed.

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Click or call to find out if your insurance is accepted and to learn more about our drug and alcohol rehab options.

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Types of Drug & Alcohol Rehab Insurance Coverage

There are two types of insurance coverage for drug and alcohol rehab: HMO plans and PPO plans. Under each of these coverage types treatment for addiction to drugs or alcohol may be covered by your health insurance provider. To better understand the difference between an HMO plan and a PPO plan, consider the following:

  • HMO Plans are the Most Affordable Types of Rehab Insurance Coverage. Also called a Health Maintenance Organization, the HMO plans typically pair the patient with a primary care physician and require that physician to provide a referral to see a specialist or physician that is outside of the HMO Plan network. If you do not intend to see out of network specialists, HMO plans can offer an affordable drug or alcohol rehab insurance coverage option with minimal flexibility.
  • PPO Plans are the Most Flexible Types of Rehab Insurance Coverage. Also called a Preferred Provider Organization, the PPO plans typically provide greater flexibility to see specialists and physicians in-network and out-of-network without a referral. If you intend to seek a diverse network of specialists outside your network, PPO plans can offer the flexibility you need in drug rehab insurance coverage but you may pay a higher premium and higher deductibles.

HMO vs PPO insurance for rehab

Types of Addictions Covered by Insurance

Regulations under the Affordable Care Act state that insurance providers that offer plans as part of the health insurance marketplace must provide minimum essential coverage in 10 health categories. Addiction treatment is an essential coverage under this law. Additionally, many insurance providers follow similar guidance in providing minimum essential coverage for addiction even though they are not part of the health insurance marketplace.

While most insurance companies now provide at least some form of coverage for addiction to drugs or alcohol, most do not specify a type of addiction that they treat. Therefore, addiction to heroin or Xanax or alcohol or any other substance is generally treated as a covered benefit regardless of the “type” of drug that is used. If the insurance provider considers addiction treatment a covered policy benefit, then any and all types of drug or alcohol addiction are considered “covered benefits.”

Health insurance for drug rehab aims to keep the process of approving/denying claims simple. Therefore they will cover all drugs that cause addiction or none because they do not cover drug addiction at all. If an addiction care benefit is offered, the insurance coverage will provide a benefit for substance use disorder treatment regardless of the type of substance that was used to cause the addiction.

Types of Rehab Centers Covered by Health Insurance

Rehab insurance coverage is based on the agreement that the insurance provider has made with the drug and alcohol rehab center. Some addiction treatment programs have stronger ties with insurance providers and build stronger relationships with them than others. There are thousands of treatment centers in the United States to choose from when it comes to seeking help for addiction to drugs or alcohol. Make sure you choose a rehab center that works with insurance on a regular basis and can get you the most value from the coverage you have. SJRP is one of several alcohol and drug rehab centers in Central Florida that has developed strong working relationships with most of the major insurance companies and can provide you with the treatment you deserve. We’ll navigate the insurance process with you, handling all claims and processing your coverage benefits for the duration of your stay.

Drug and alcohol rehab insurance covers the following forms of addiction treatment:

If you have questions about the type of insurance that is accepted at SJRP, or you have individual questions about your policy coverage for drug or alcohol rehab, give our admissions department a call. We’re happy to help you understand your insurance coverage and the appropriate levels of care that are available to you or your loved one under your policy. Call our admissions team at 833-397-3422 to learn more about your drug or alcohol rehab options.

Each insurance policy is different. Some may provide for a full continuum of care, offering coverage for inpatient detox, residential treatment, and outpatient counseling and therapy. Others may only provide limited coverage for residential detox or they may limit the amount of time that can be spent in rehab. Unfortunately, insurance providers often dictate the length of stay in treatment more than the healthcare provider does.