July 24, 2024


Health is important

Insurance and Rehab Coverage – Things You Should Know


Rehab is great if you’re battling some addictions and you are looking to be sober. However, even though some would like this treatment, they don’t really have the money to pay for it. This is where rehab insurance coverage comes in. In this article, we will talk about rehab and the things you should know.

What Is Rehab?

Rehab or rehabilitation is care provided which helps someone battle their addictions. Rehabilitation can also be the help given to someone in order to get back on their feet after an injury or a form of disease. If you find yourself constantly struggling with addictions, going to a rehabilitation center may be good for you.

What Is Addiction Rehab Insurance?

Those who struggle with addictions go untreated most times because of how much it costs. Since, it can be very expensive, many just live with their addiction because they can’t pay for the treatment. This is where rehab insurance comes in. This helps more people gain access to the treatment without having to pay so much. However, not all rehabilitation centers accept this type of insurance. Visit https://www.addictioncenter.com/ if you would like to know about the costs of addiction rehabilitation.

Are Private Rehabs Covered By Health Insurance?

To put it simply, yes they are. Private addiction rehabilitation treatments are usually covered by this type of insurance most of the time. Alcohol or drug addiction is listed as one of the most essential benefits of health insurance. This means that whatever insurance the Health Insurance Marketplace sells must cover the treatment of alcohol or drug addiction.

What Rehab Programs Do Different Types Of Insurance Cover?

The marketplace for health insurance gives you the opportunity to purchase different affordable health insurance plans. These are private insurance policies, all marketplace insurance plans, and Medicaid plans. It is required for all of these different insurance types to offer coverage for substance addiction treatment. 

However, the benefits you get depend on where you live and what plan you decide to buy. Also, they don’t cover all the expenses of your rehabilitation treatment most of the time. They just provide limited coverage which makes the treatment cheaper. If you buy a plan and you don’t know what it covers, do not hesitate obtain the details by contacting your insurance company. Below, we have listed the services this insurance covers…

Inpatient Treatment for Addiction

You have probably heard of inpatient and outpatient treatment. Well the inpatient service is where you are required to live in the facility all through. While you are in the facility, you will receive services such as counseling, therapy, detox, and a few more. Some inpatient facilities are in a non-hospital area while others are actually hospital-based.

Outpatient Treatment for Addiction

This treatment coverage is offered by insurance companies such as Optima Health rehab and others. With this, you aren’t required to live in the facility as you would with inpatient care. If it is decided by your health care provider and you that this is actually suitable for you, you could keep on fulfilling your other responsibilities as you go for this treatment.

Detoxification Treatment

Detoxification is when your starts to get rid of all the substances that may be remaining in your system. This care can occur in an inpatient or outpatient facility. However, most times, it is advised by healthcare professionals and doctors to undergo the detoxification care in an inpatient space. 

The inpatient facilities offer a level of comfort and safety which outpatient ones don’t. What makes an inpatient facility better for this is you can be monitored. If your psychological or physical condition ever seems to drop during rehab, you can be cared for immediately.


If you don’t know what psychotherapy is, it is simply when you can discuss with a therapist alone. This helps to actually see what influences the addiction and put a stop to it. While discussing, the therapist pays close attention to your story in order to understand the cause of the addiction so the problem can be cut off from the root. Therapists also help the development of your coping abilities. Click here if you would like to learn more about psychotherapy.

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Why Is Rehab So Expensive?

Below, we talk about the factors which make rehabilitation expensive.


In recovery, maintaining a healthy diet is crucial. These rehabilitation centers see to that you are given a healthy diet. Some facilities provide organic food and some others have limited options. Before you pay for a rehab, you need to make sure that they will honor your requests if you are vegan, lactose intolerant, vegetarian, or whatever. The food increases the expenses, but, it shouldn’t be compromised because of this. It may sound ridiculous, but, a healthy diet could help with abstinence.


The house you will be staying in is also counted in the cost. In some centers, they will offer everyone private bedrooms, while they some other centers offer shared spaces. In these shared spaces, you will usually find 3 to 4 people. If you choose to have a shared space over a private space, it will definitely be cheaper. So, you will get what you pay for.

Outside Activities and Transportation

Some rehab centers offer care from concierges, transportation, and outside activities. All these things add to the cost. The gym, arrangement of appointments, and the transportation from the airport or to the airport. While all these benefits are great and stress relieving, they certainly add to the price of it all.

The Different Treatment Options

We listed some of the major care these centers offer above. Some offer other care which are important but add up to the cost. It’s up to you to decide if these additional treatments will benefit you or if you would still do great without them. 


We hope that we have answered the questions you have concerning this topic. Now that you know more about what your health insurance policy covers and what to look for in a facility, you should be able to apply for rehab without having to pay as much.