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Insurance and Rehab

Will My Health Insurance Cover Rehab?

One question you may have while looking for addiction treatment is, “Do they take my insurance?” 

Most health insurance companies do cover treatment for substance use disorders for drugs and alcohol and mental health conditions. However, the particular health insurance plan you have will determine how much of your treatment will be covered by insurance and how much you will have to pay out of pocket. 

To find out instantly if your insurance may cover all or part of the cost of addiction treatment, call us today at (855) 202-2138 and speak with an Orange County admissions team member who can help you through the verification process. 

Finding addiction treatment shouldn’t be a difficult process, so let us help you start your journey today by communicating with your insurance directly or finding other resources to help make treatment affordable for those without insurance.

TL;DR: Tree House Recovery in California works with many major insurance providers. We can verify your benefits quickly and help you start your recovery journey without financial surprises. We believe no one should have to choose between healing and financial stress.

  • Deductible: The amount of money you must pay if you have an HMO or PPO before your policy helps pay for treatment. Deductibles vary policy to policy. 
  • Co-pay: A set dollar amount you must pay after your insurance policy has helped cover costs. Co-pays vary depending on your policy and are determined by the type of care you desire. 
  • Co-Insurance: The remaining percentage of treatment costs you must pay out-of-pocket after your HMO or PPO policy has helped cover costs. Co-pays vary depending on the original price of treatment and your specific policy. 
  • Monthly Premiums: The cost to keep your HMO or PPO plan active every month. Costs depend on your plan. 
  • Out-of-pocket maximum: A dollar amount on certain policies that, if reached, triggers 100% coverage of all costs for a set amount of time. Not all policies have this, and the amount it takes to reach your out-of-pocket maximum varies depending on your policy.

Will Insurance Cover Rehab?

The short answer is yes, but coverage depends on several factors.

In 2023, the U.S. Census Bureau reported that 92% of U.S. citizens had some form of health insurance that covers drug rehabilitation.1 If you or someone you love is struggling with addiction, understanding your recovery insurance coverage is essential.

Most addiction rehab insurance plans cover treatment for substance use disorders, including inpatient and outpatient rehab, medical detox, and therapy. However, the level of coverage varies by plan. 

Most addiction recovery programs accept policies from major insurance providers, include: 

  • Aetna
  • Ambetter
  • AmeriHealth
  • Anthem
  • Beacon
  • Blue Cross and Blue Shield (BCBS)
    • BCBS Excellus
    • BCBS Highmark
    • BCBS Premera
  • Capitol BCBS
  • Cigna
    • Cigna (Allegiance)
    • Cigna (Healthcomp)
  • First Choice Health Network (Longshoreman Union)
  • GEHA
  • Health Ne
  • HighMark BCBS
  • Horizon BCBS of NJ
  • Independence BCBS
  • MODA
  • Pacific Source
  • Premera BCBS
  • Providence
  • Regence BCBS
  • Tricare
  • Triwest
  • United
  • VA Benefits

If your provider isn’t listed, call (855) 202-2138 to find out if we can work with your recovery insurance coverage.

Addictions Typically Covered by Insurance

Every insurance policy considers care for addiction to be an essential category of healthcare and provides some degree of coverage for it. If your plan covers addiction treatment — which falls under mental health services – then you get help.

Addictions typically covered by insurance include: 

Coverage can depend on the type of addiction you are struggling with. Different substances may require more care. For example, heroin users may need more medical supervision or treatment than someone who was a short-time marijuana user. 

Every situation is different, and the insurance you have may make exceptions. The best way to see if this is possible is to reach out to our admissions team today.

Level of Care

There are various levels of care for addiction treatment in the United States. Most health insurance that covers drug rehabilitation includes various levels of care, such as:

Will insurance cover rehab? Most policies provide at least partial coverage for these services. Call today to confirm your benefits.

Common Types of Healthcare Plans and Benefits

Alcohol and drug addiction treatment and recovery may be covered by your insurance provider.

There are three common types of healthcare plans: health maintenance organization (HMO) plans, preferred provider organization (PPO), and point of sale (POS) plans.

Learn more about how each of these plans works and which offers the best coverage for you:

Addiction Rehab Insurance Coverage for Veterans

Military life is unique, presenting unique stressors to military service members that many civilians cannot relate to. These stressors make military members more likely than the average American to struggle with alcohol and substance use disorders.2

There are veterans insurance rehab options available to those who are ready to take the first step to reclaiming their purpose and sense of fulfillment once again.

VA Benefits

VA benefits are a set of resources from the Department of Veterans Affairs (VA) to support veterans. These benefits include healthcare, education, housing, disability, compensation, pension, vocational rehabilitation, and employment service.

Learn more about how VA benefits can help you find addiction treatment services near you.

Rehab Programs for Veterans

Military life presents unique stressors that increase the risk of substance use disorders. Fortunately, veterans insurance rehab options provide comprehensive addiction treatment through VA benefits.

  • Covered services may include:
  • Medical Detox
  • Residential Inpatient Rehab
  • Partial Hospitalization Program (PHP)
  • Intensive Outpatient Program (IOP)
  • Outpatient Rehab (OP)
  • Diagnostic Tests

Call (855) 202-2138 to verify your veterans insurance rehab benefits today.

Rehab Without Insurance: Are There Options?

If you need rehab without insurance, treatment is still possible. Many state-funded rehab programs and sliding-scale payment plans are available to make care more accessible.

Call Tree House Recovery today to explore affordable rehab without insurance options in Orange County.

Verify Recovery Insurance Coverage Today

Taking the first step in your recovery journey is a powerful decision that paves the way for a healthier, more fulfilling life. One of the most important steps in this process is ensuring you have access to the care you deserve. 

Our admissions team is here to guide you through verifying your health insurance, making the process seamless and stress-free. Don’t wait — reach out today and take that first step toward healing and transformation.

Frequently Asked Questions: Health Insurance Coverage for Rehab

Most insurance plans include coverage for substance use disorders and related mental health conditions like codependency. Exact benefits vary, so we’ll verify what’s included in your plan.

Tree House Recovery works with many major insurance companies, including PPO and HMO plans. Call us and we’ll verify your benefits at no cost to you.

Payment for rehab depending on your deductible, copays, and coverage limits. We’ll walk you through every detail before you commit to anything.

Yes, we offer private pay options and will work with you to explore what’s possible. Recovery is always worth investing in.

Call us at (855) 202-2138 or fill out our secure form. Our team will contact your insurance company and explain your coverage clearly.

  1. Keisler-Starkey K, Bunch LN, U.S. Census Bureau. Health Insurance Coverage in the United States: 2023. U.S. Government Publishing Office; September 2024. https://www2.census.gov/library/publications/2024/demo/p60-284.pdf. Accessed Jun 11, 2025
  2. Substance Use Treatment for Veterans. Veterans Affairs. https://www.va.gov/health-care/health-needs-conditions/substance-use-problems/. October 12, 2022. Accessed June 11, 2025.
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