In the past, insurance didn’t always cover drug or alcohol rehab. Even when it did, the coverage was sparse, leaving many people unable to afford drug addiction and alcohol addiction treatment. That changed when the Patient Protection and Affordable Care Act was passed in 2010. Under the ACA, substance abuse treatment and other mental health services are considered essential health benefits. This means most insurance companies must provide coverage for addiction treatment programs.
That doesn’t mean your insurance provider must offer 100% coverage for alcohol and drug addiction treatment. Insurance plans may have deductibles, co-pays and insurance requirements, leaving you with some out-of-pocket expenses. That said, using your insurance benefits can make treatment more affordable. Whether you have private insurance or coverage through the federal marketplace, you can use that coverage to stay at a residential rehab center, attend an outpatient treatment program or access other drug and alcohol rehab services.