Does Insurance Cover Rehab?
If you or a loved one is considering addiction treatment, one of the first questions that likely comes to mind is: “Does insurance cover rehab?” Thankfully, in most cases, it does. With mental health and substance use disorders now recognized as medical conditions, most insurance plans include coverage for drug and alcohol treatment.
At Lanier Recovery Center in Sugar Hill, Georgia, we understand how overwhelming this process can feel. This guide will walk you through what’s typically covered, how to verify your benefits, and how to maximize your insurance to access quality addiction treatment.
The Short Answer: Yes, Insurance Can Cover Drug Rehab
Thanks to the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act, most insurance plans must provide coverage for substance use disorder treatment. This includes services like detox, inpatient rehab, outpatient therapy, and mental health counseling.
Whether you have private insurance, employer-sponsored health coverage, or a government plan like Medicare or Medicaid, there is a strong chance your plan includes benefits for rehab.
What Types of Rehab Services Are Covered by Insurance?
Coverage will vary depending on your insurance provider and plan, but many policies include support for the full continuum of care:
1. Medical Detox
Detox is often the first step in recovery, especially for individuals dependent on alcohol, opioids, or benzodiazepines. Many insurance providers cover medically supervised detox as it is considered a necessary health service.
2. Inpatient or Residential Rehab
Inpatient treatment involves staying at a facility 24/7, typically for 30, 60, or 90 days. This includes individual therapy, group therapy, and medical support. Many insurance plans will cover inpatient treatment when it is deemed medically necessary.
3. Partial Hospitalization Program (PHP)
PHP is a step down from inpatient care and involves attending therapy for several hours a day, usually five days per week. Most insurance policies cover PHP as part of a structured treatment plan.
4. Intensive Outpatient Program (IOP)
IOP is more flexible than PHP, allowing clients to participate in treatment while maintaining work or family responsibilities. This level of care is commonly covered by insurance.
5. Outpatient Counseling
This level of care includes individual or group therapy sessions on a weekly basis and is typically covered as a long-term maintenance option for recovery.
Insurance Providers That May Cover Rehab at Lanier Recovery Center
While coverage varies, here are some of the major insurance providers we commonly work with at Lanier Recovery Center:
Aetna
Cigna
Blue Cross Blue Shield
UnitedHealthcare
Optum
Magellan
Beacon Health Options
Humana
Ambetter
If you’re not sure whether we accept your insurance, our team can verify your benefits quickly and confidentially.
How to Verify Your Insurance Coverage for Rehab
You don’t need to navigate the insurance process alone. Here are three easy ways to verify what your policy will cover:
1. Contact Lanier Recovery Center
Our admissions specialists are available 24/7 and can call your insurance provider to verify your coverage on your behalf. This process is quick, confidential, and completely free.
2. Call Your Insurance Company
You can also call the number on the back of your insurance card and ask about coverage for substance use disorder treatment. Be sure to ask:
Does my plan cover inpatient rehab?
Is medical detox included?
Are PHP or IOP programs covered?
Are there any out-of-pocket costs?
Do I need pre-authorization?
3. Review Your Explanation of Benefits (EOB)
Your EOB outlines which services your plan covers and what your financial responsibility may be. Look for terms like “mental health,” “substance abuse treatment,” “residential services,” or “behavioral health.”
What’s the Difference Between In-Network and Out-of-Network?
One of the most important things to check is whether the rehab facility is in-network with your insurance.
In-Network: Your insurance company has negotiated rates with the provider, which usually means lower out-of-pocket costs.
Out-of-Network: The provider does not have a contract with your insurer, so you may pay more or have limited coverage.
Lanier Recovery Center works with many in-network insurance providers, and in some cases, we can accept out-of-network benefits and still reduce your costs.
What If You Don’t Have Insurance?
If you don’t currently have health insurance, don’t give up. There are still ways to get help:
Payment Plans: We offer flexible financing options to make treatment affordable.
Sliding Scale Fees: We may adjust the cost of treatment based on your income.
State-Funded Options: Georgia offers publicly funded programs for qualifying residents.
ACA Enrollment: You may be eligible to sign up for a plan through the Health Insurance Marketplace, which includes mental health and addiction treatment benefits.
Why Insurance Verification Is Crucial
Too many people delay treatment because they fear the cost. Verifying your insurance gives you a clear understanding of what services are available to you, often at little or no out-of-pocket cost.
When you verify insurance with Lanier Recovery Center, you’ll receive:
A breakdown of your benefits
Confirmation of what’s covered and for how long
An estimate of out-of-pocket expenses
Help obtaining any needed pre-authorizations
All of this happens before you commit to anything, and there’s no cost to verify.
Why Choose Lanier Recovery Center in Sugar Hill, GA?
Located in Sugar Hill, Georgia, Lanier Recovery Center provides evidence-based addiction treatment rooted in compassion and clinical excellence. Whether you need detox, inpatient care, or outpatient support, our programs are designed to meet you where you are in your recovery journey.
We offer:
Full insurance verification and support
Personalized treatment plans
Day and evening IOP options
A safe, comfortable environment for healing
Local access for those in Gwinnett County, North Atlanta, and surrounding areas
We’re committed to making addiction treatment accessible, regardless of your insurance situation. Ready to Find Out If Your Insurance Covers Rehab?
If you’re ready to take the first step toward recovery, don’t let insurance confusion stop you. Our admissions team is here to guide you with compassion, clarity, and confidentiality.
Let us help you understand your options and begin the healing process today.
