Your Recovery Begins at American Addiction Centers
Home » Health Insurance to Pay for Drug Detox

Health Insurance to Pay for Drug Detox

Ready to make a change?
Check to see if your insurance covers treatment at an American Addiction Centers facility.
Verify Insurance Benefits

Insurance generally covers part of the detoxification process, or detox. Detox is the clearing of a substance from the body to pave the way for a clean recovery. This allows the individual to begin treatment completely sober, setting them up to transition into a recovery period unfettered by any lingering toxic influences from previously abused substance(s).

Detox Programs

Detox programs can help people manage the withdrawal symptoms that may arise, some of which may be dangerous or life-threatening, depending on the drug. Medical professionals can administer medical and mental health interventions, when needed, and otherwise provide the support and supervision that an individual needs throughout the detox process. The price of these programs varies based on numerous factors.

Note: We try to offer the most updated information available regarding drug rehab insurance and alcohol rehab insurance. However, insurance health plan information does change quickly. Please check with your insurance provider to ensure that you have the most recent and correct information regarding your coverage.

Detox.net is an American Addiction Centers (AAC) resource and a leading provider to drug and alcohol detox care. AAC is in network with the top insurance providers in the US. Checking your insurance coverage at an AAC facility is free and secure. See if you are covered.


How Much Is Detox?

On average, detox costs $600 to $1,000 per day, though the price depends on the program.1 There are many factors that can influence the total cost of detox treatment. Some of these factors include:

  • The type of program: Inpatient detox tends to cost more than outpatient detox.
  • The length of time: Longer-duration detoxification programs will have higher associated costs than shorter ones because they generally charge by the day.
  • The program location: Urban detox programs tend to cost more than rural ones.
  • The program’s amenities: Different inpatient programs may offer their own diverse range of recreational activities and comforts, which could greatly influence treatment costs.

On top of these program-specific cost variations, the price you end up paying for detox will vary widely based on your insurance plan. Programs differ in the insurance plans they accept and plans vary in the levels of care they cover. Make sure to ask your insurance provider about detox coverage when looking into program options.


Types of Insurance Plans for Addiction

Insurance mental health coverage will vary from one plan to another, based on the type of plan you have and what state you live in. There are various types of addiction treatment programs. These include:2,3

  • Inpatient treatment, where you stay 24/7 in a closely supervised environment for drug abuse treatment.
  • Outpatient treatment, were you receive the same types of counseling and assessments that you would get in an inpatient program, but you are able to go home in the evenings and can often attend work or school while undergoing treatment.
  • Co-occurring treatment programs, which address your emotional and mental health needs along with substance use disorder in one program.
  • Medical detox programs, in which you stop using a substance under close supervision to prevent negative consequences. This is only the first step in treatment, as detox gets the substance out of your body. People require ongoing inpatient or outpatient treatment after receiving detox.

Paying for Detox Treatment With Insurance

Insurance companies are required to cover basic health benefits, which include treatment for mental and behavioral health conditions and substance use disorders. These benefits must be comparable to the benefits for medical and surgical procedures. Substance abuse treatment, mental health services, and behavioral health services must be covered to the same extent that other health issues are.4

On top of this, insurance companies cannot deny coverage for pre-existing conditions, such as substance addiction. This means that you can apply for insurance coverage regardless of what stage of recovery you are in. Insurance can help to drastically cut the costs of detox and substance use treatment. Every insurance plan is different, but most plans will cover detox to some extent, if not completely. If you have insurance, call your company to ask about your plan.


What is Group Insurance? 

Most group insurance plans, including rehabilitation insurance, are provided through your place of employment and are offered as a benefit to employees.


What is Private Insurance? 

Some people, especially those who are self-employed and do not receive an employer-provided group insurance plan, have private insurance purchased directly through an insurance company.

Other people buy health insurance through the Health Insurance Marketplace. Anyone can buy insurance plans and receive healthcare benefits through this government-sponsored program, and many people with lower income also qualify for lower-cost plans through the Affordable Care Act.4


What is Public Insurance? 

Public insurance includes programs such as Medicare and Medicaid. Medicare is a government-sponsored program that primarily insures people age 65 and older. Some people receive Medicare due to certain physical or mental conditions.5

Medicaid, another type of public health insurance coverage, is provided through the federal government. Medicaid is offered to people who meet certain criteria for income, and at times it also covers people with certain disabilities or younger children.6


 Does My Insurance Cover Addiction Treatment? 

Does insurance cover drug rehab? Most health insurance plans, including public and private insurance as well as group plans, include some form of substance abuse treatment insurance. Each plan is different. It is best to check with the insurance company at the phone number located on the back of your insurance card. You can also check your benefits online.

Learn more about some of the more popular insurance plans, including:

Whatever type of insurance coverage you have, whether it’s public, private, or sponsored by an employer or professional association, some drug rehab coverage is probably included. Contact your insurance company for a detailed explanation of the benefits available to you, or go to Detox.net to learn more about what your plan will cover.


Questions to Ask Your Insurance About Detox Coverage

patient talking to insurance company about detox optionsWhen you call your insurance company, be sure to have your membership number on hand. If you have one, an insurance card may be especially useful to provide them with the information they will need in order to assess your cost situation. Here are some important things that you will want to get information on:

  • Ask them about what levels of substance abuse treatment are covered, specifically detox.
  • Ask about the percentage of costs covered for in-network and out-of-network providers.
  • Ask about deductibles and co-pays, including what your maximum out-of-pocket cost would be.
  • Ask them what they deem to be “medically necessary” treatments.

It is very important to get a professional assessment done because once you have an official substance use disorder or drug addiction diagnosis, you will have a better idea of what your insurance plan will cover.


Choosing A Detox Treatment Center

Detox is a vital first step in the recovery journey. For help finding the best detox program to suit your needs, both personal and financial, call our helpline at 1-888-509-8965 Who Answers? . Take back your life today.


Sources

  1. American Addiction Centers. (2017).
  2. National Institute on Drug Abuse. (2020). Principles of drug addiction treatment.
  3. National Institute on Drug Abuse. (2020). What are the treatments for comorbid substance use disorder and mental health conditions?
  4. United States Department of Labor. Mental Health and Substance Use Disorder Parity. Employee Benefits Security Administration.
  5. Healthcare.gov. What is Medicare?
  6. Healthcare.gov. Medicaid.

You Only Get One Body

Get Clean & Sober With Detox