Insurance Plans We Work With
We verify benefits for all major insurance plans. Under the Mental Health Parity and Addiction Equity Act (MHPAEA), most plans must cover addiction treatment at the same level as other medical care. If you don't see yours listed, call us — we check all plans.
How Insurance Verification Works
We verify your benefits before connecting you with any treatment center — so there are no financial surprises on day one.
What Does Insurance Cover for Addiction Treatment?
Under the Mental Health Parity and Addiction Equity Act (MHPAEA) and the Affordable Care Act (ACA), most insurance plans must cover addiction treatment at the same level as medical and surgical benefits. Here's what's typically covered at each level of care:
| Level of Care | Typical Coverage | Common Limitations |
|---|---|---|
| Medical Detox | Usually covered as medical necessity | May require pre-authorization; length-of-stay limits vary |
| Inpatient Rehab | Usually covered; typically 28–90 days | Pre-auth required; utilization review during stay |
| PHP — Partial Hospitalization | Usually covered | Pre-auth required; step-down from inpatient often required |
| IOP — Intensive Outpatient | Usually covered; 30–90 days | Pre-auth may be required |
| MAT (Buprenorphine / Methadone) | Covered under most plans | Some plans require step therapy or prior auth |
| Outpatient Counseling | Usually covered | Session limits; must use in-network providers |
| Dual Diagnosis Treatment | Covered under MHPAEA parity | Both diagnoses must be documented as medically necessary |
Why Verify Before You Go?
Without verifying benefits in advance, patients sometimes discover a facility is out-of-network, their plan requires pre-authorization that wasn't obtained, or their out-of-pocket costs are far higher than expected. Our free verification eliminates all of these surprises — so you can focus entirely on recovery, not billing.
Medicaid & Medicare Coverage
Medicaid covers addiction treatment in all 50 states including medical detox, inpatient rehab, MAT, PHP, IOP, and outpatient counseling. For most qualifying members, treatment costs $0. In Medicaid expansion states, most adults earning up to 138% of the federal poverty level qualify. Call (844) 561-0606 to check eligibility instantly.
Medicare covers treatment through Part A (inpatient hospital detox), Part B (outpatient treatment, physician-prescribed buprenorphine, methadone through licensed OTPs), and Part D (MAT prescription medications). Medicare Advantage plans from carriers like Humana, UHC, and WellCare typically cover the same benefits and often more.
What If I Don't Have Insurance?
No insurance is not a barrier to treatment. Options include Medicaid enrollment (free or low-cost coverage for qualifying individuals), SAMHSA block grant-funded free programs, sliding-scale fee treatment based on income, state-funded treatment programs, and nonprofit free residential care. Call (844) 561-0606 and we'll identify every available free and low-cost option in your state.
Verify Your Insurance Benefits — Free, Right Now
No obligation. Results in minutes. HIPAA-compliant and 100% confidential.
Frequently Asked Questions
Your Privacy Is Fully Protected
All calls and form submissions are HIPAA-compliant and completely confidential. Your information is never shared with anyone without your explicit written consent. You can call anonymously — no identifying information is required to ask general questions.