Insurance & Cost Information
Insurance Covers
Addiction Treatment
The Affordable Care Act requires most insurance plans to cover substance use disorder treatment. Check your coverage below — it may cost less than you think.
Check Your Insurance Coverage
Select your insurance carrier to see what addiction treatment is covered.
Coverage details are general guidance only. Contact your insurance provider for your specific plan benefits, prior authorization requirements, and in-network providers.
What if My Insurance Denies Coverage?
Insurance denials for addiction treatment are common — and commonly overturned. You have legal rights under the Mental Health Parity and Addiction Equity Act. Here is what to do:
1
Get the denial in writing
Request a written explanation including the specific policy provision and clinical criteria used to deny your claim.
2
File an internal appeal
Most plans have expedited appeals for urgent situations. Your treatment facility should help you prepare the appeal with clinical documentation.
3
Request a peer-to-peer review
Ask the plan's medical reviewer to speak directly with the treating physician. Many denials are overturned at this stage.
4
File an external appeal
If the internal appeal fails, you have the right to an independent external review in most states. The reviewer's decision is usually binding on the insurer.
Tip:File a parity complaint with your state's insurance commissioner if you believe the denial violates the Mental Health Parity Act. Many states have dedicated insurance consumer advocates who help with these cases for free.
No Insurance? Here's What's Available
Lack of insurance is not a barrier to treatment. Significant public funding exists for uninsured individuals seeking addiction care.
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Apply for Medicaid
You may qualify based on income. Coverage can begin quickly and covers comprehensive SUD treatment.
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State-Funded Programs
Every state funds treatment for uninsured residents through SAMHSA block grants. SAMHSA can connect you to these programs.
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Sliding-Scale Clinics
Non-profit and community health centers charge based on ability to pay — some charge nothing for those who qualify.