Does Health Insurance Pay for Rehab? | Rise in Malibu

Each day millions of people across the nation struggle with addiction. As many as twenty-one million Americans, some as young as age 12, have at least one addiction. Unfortunately, far too few will ever seek or receive potentially life saving addiction treatment. According to the Substance Abuse and Mental Health Services Administration or SAMHSA, as few as 10% of those who need treatment get the help they need. Several factors could be to blame, including stigma, denial, and possibly the most notable, cost. Quality addiction treatment can be costly, and many people worry about the financial impact seeking treatment could have on their families. Fortunately, many insurance programs will help pay for addiction treatment. 


What Is Rehab?

Rehab provides a safe and supported place where you can focus on achieving and maintaining lasting sobriety. Depending on your unique addiction treatment needs, rehab may be inpatient (residential), outpatient, or something in between. There are many benefits to all levels of addiction treatment care. The “best” type of treatment for you will depend on several factors, including the severity of your addiction, how long you have been drinking or using, the types of substances you use, and your history with addiction treatment and relapse. Choosing the best level of care to help you overcome addiction can be confusing. Contact Rise in Malibu to learn more about our range of addiction treatment services and let our treatment staff help you begin your sobriety journey. 


How Do You Know If You Need to Go to Rehab?

It is not uncommon for someone struggling with addiction to forego rehab because they do not believe their addiction “is bad enough” to need help. In reality, if you find you are questioning your relationship with substances or you notice a negative impact on your relationships due to substance use, you likely have an addiction that could benefit from seeking addiction treatment. 


Addiction is diagnosed as mild, moderate, or severe. It is a chronic disease that, without treatment, will inevitably get worse. If addiction has a notable impact on your job, school, relationships, health, or overall well-being, seeking addiction treatment is likely your best course of action. 


Does Health Insurance Pay for Rehab?

Before 2010, private and government-funded insurance plans could control what types of services and benefits they covered. It was not uncommon for treatment needs, including addiction treatment and mental health services, to be grossly under-covered or not covered at all. In 2010, with the passing of the Affordable Care Act (sometimes called Obamacare), many of the unfair restrictions and limitations surrounding insurance coverage for rehab disappeared. 


The Affordable Care Act helped expand treatment options for those covered by Medicare and Medicaid. Additionally, it required many insurance companies to include addiction treatment options as part of their standard health insurance coverage. These changes significantly changed how insurance paid for addiction and mental health treatment. They also expanded access to addiction treatment services for millions of Americans. 


Using health insurance to pay for rehab can help reduce out-of-pocket expenses for all treatment levels, including residential and outpatient care. If you or a loved one are ready to overcome addiction, it is important to remember that the amount of coverage available for addiction treatment services will depend on various factors, including the type of coverage purchased. In most cases, insurance programs (both private payer and federal programs) cover between sixty and ninety percent of inpatient or outpatient treatment expenses. 


California offers many different treatment options available for substance use disorders and alcohol addiction. Ranging from outpatient care options to inpatient residential treatment centers, no matter the severity or duration of your addiction, there is an option to help you overcome addiction here in Malibu. At Rise, our addiction treatment team is here to support you while you focus on recovery and wellness. Contact our admissions team today to learn more about how your health insurance can help cover addiction treatment expenses


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