Have questions about your insurance coverage or benefits for addiction or mental health treatment? We’re here to help.
Keep reading to learn what’s typically covered, how to verify your benefits, and what you can do if you don’t currently have insurance.
No matter your circumstances, Beach House Center for Recovery is dedicated to helping you access the addiction and behavioral health care you deserve.
Will My Health Insurance Cover the Cost of Alcohol and Drug Addiction Treatment?
That’s a question we often hear from prospective clients and their families. Thankfully, the answer is a qualified “yes,” meaning that, depending on their insurance provider, some people will receive partial benefits while others will receive 100 percent coverage.
That’s because the American Medical Association (AMA) defines alcoholism and drug addiction as medically diagnosable and treatable “substance use disorders,” with the result that health insurance companies must offer treatment coverage to their members.
At Beach House, we seek to make drug or alcohol treatment affordable for everyone who asks for our help. We do this because we believe everyone deserves high-quality addiction treatment, no matter their insurance coverage.
What Do Insurance Plans Typically Cover?
Health insurance policies differ in the extent of coverage for drug or alcohol treatment. However, they typically cover (either partially or fully) one or more of the following rehab services that Beach House provides:
- Psychiatric screening and assessment
- Detoxification
- Inpatient/Residential treatment
- Outpatient treatment
In most cases, your health insurance will cover the cost of an initial screening and assessment in full. In turn, an official diagnosis of a substance use disorder will be critical to determine how much coverage you will receive for drug and alcohol detox and treatment services. The degree to which a procedure or intervention is medically necessary will determine how much your health insurance will cover.
The basics of residential treatment may receive 100% insurance coverage, but add in extra amenities like a private room or linen-change service, and you may end up paying significantly higher out-of-pocket expenses.
How Can I Verify My Rehab Insurance Coverage?
Verifying your insurance coverage for drug and alcohol treatment is quick, free, and confidential. Our admissions counselors are here to help and can usually complete verification in under 45 minutes.
What you’ll need to confirm your addiction treatment insurance coverage:
- Your insurance provider’s name
- Your member ID number
- Your policyholder’s name and date of birth
As part of our commitment to making substance abuse care as affordable as possible for you and your family, we work with various providers to:
- Maximize your insurance coverage.
- Help you avoid unnecessary costs
- Ensure you get access to the highest level of care covered by your plan.
Understanding Insurance Terms and Rehab Coverage
Understanding insurance terms and rehab coverage can be confusing and overwhelming.
- Most insurance plans require some level of out-of-pocket expenses (e.g., co-pays or deductibles).
- Coverage often depends on whether treatment is considered “medically necessary” (e.g., a formal diagnosis of substance use disorder or co-occurring mental health disorder).
- Plans may also have limits on the length of your stay or specific requirements for pre-authorization.
If you need dual diagnosis care, many insurance providers offer benefits for treating addiction and mental health together. We’ll help you understand all these details up front, so there won’t be any surprises during your care.
Insurance & Payment Options
Beach House Center for Recovery accepts most major insurance plans and can quickly and confidentially verify your benefits. We’re committed to helping you access the care you need. Here is a partial list of insurance plans we work with on a regular basis.
These all offer coverage for inpatient and outpatient drug and alcohol treatment:
And others, such as MVP Healthcare, GEHA Health Plans, APS Healthcare, Great-West Healthcare, Value Options, and many more.
What If I Don’t Have Insurance?
If you don’t have health insurance, don’t worry. You still have options at Beach House Center for Recovery. Cost should never be a barrier to life-saving care, and our team is dedicated to finding a solution that suits your specific situation.
We offer:
- Affordable self-pay rates and flexible payment schedules.
- Healthcare financing options through third-party lenders.
- Guidance on enrolling in state-organized insurance plans (e.g., Healthcare Insurance Marketplace).
No matter your circumstances, we’re here to help you take the first step on your recovery journey.
Why Choose Beach House Center for Recovery for Covered Rehab Services
Beach House is proud to be the first addiction center in the U.S. to be accredited by the Center of Excellence & Behavioral Health Certification Program.
The accreditation is awarded to the top facilities that meet stringent requirements, including:
- Progressive treatment modalities
- Infrastructure
- Personalized team approach, including the patient and family
- Leadership & staff development
- Academic research
If you know someone struggling with addiction, Beach House Center for Recovery can help.
