Insurance & Rehab — What Your Plan Will Cover
Federal parity law requires most health plans to cover addiction treatment on par with other medical care. Use the cards below to look up your insurer, learn how the verification process works, and find programs that take your plan.
What This Page Is Good For
Government Programs
Federal and state-funded coverage pathways, including Medicaid and Medicare
Medicare is the federal health program for adults 65+, people living with qualifying disabilities, and those with end-stage renal disease. Under Mental Health Parity protections, it typically covers medically necessary substance use treatment across Parts A, B, and D — with specific benefits varying by plan.
See Coverage DetailsMedicaid typically covers medically necessary substance use treatment in all 50 states under federal and state rules, including detox, outpatient counseling, residential care, and medication-assisted treatment. Specific benefits, prior authorization, and provider networks vary by state — verify with admissions or your state Medicaid agency.
See Coverage DetailsMajor Private Insurers
Commercial carriers that anchor most employer-sponsored and individual plans
Humana — the Louisville-based insurer best known for its Medicare Advantage footprint and integrated Humana Pharmacy benefit — typically covers medically necessary substance use treatment under the Mental Health Parity and Addiction Equity Act. Covered levels of care, copays, and prior-authorization steps depend on whether you carry an employer plan, a Medicare Advantage plan, or a Marketplace policy.
See Coverage DetailsBlue Cross Blue Shield plans — including Excellus BCBS, Empire BCBS, and Anthem BCBS serving New York — typically cover medically necessary substance use treatment under the Mental Health Parity and Addiction Equity Act. Coverage scope, copays, and pre-authorization rules vary by plan tier and BCBS licensee.
See Coverage DetailsAetna — now part of CVS Health and one of the largest commercial behavioral health networks in the country — typically covers medically necessary substance use treatment under the Mental Health Parity and Addiction Equity Act. Covered levels of care, copays, and prior-authorization pathways depend on whether you carry a commercial employer plan, a Medicare Advantage policy, or a Marketplace plan.
See Coverage DetailsUnited Healthcare — the country's largest commercial insurer, with behavioral health authorizations handled by its Optum subsidiary — typically covers medically necessary substance use treatment under the Mental Health Parity and Addiction Equity Act. The covered levels of care, copays, and prior-authorization workflow depend on whether you carry a commercial employer plan, a UHC Medicare Advantage policy, or a Marketplace plan.
See Coverage DetailsCigna delivers substance use treatment benefits through Evernorth Health Services, its behavioral health subsidiary, with a dedicated case manager assigned at the start of care. Covered levels of care, copays, and prior-authorization steps depend on plan type — commercial employer, individual Marketplace, or Medicare Advantage — and on whether you hold a PPO, HMO, or POS structure.
See Coverage DetailsAnthem is the country's largest for-profit Blue Cross Blue Shield licensee, operating under regional names — Empire BlueCross BlueShield in New York, Anthem Blue Cross in California, and others. Anthem plans typically cover medically necessary substance use treatment under the Mental Health Parity and Addiction Equity Act, with the BlueCard program extending access to BCBS-affiliated facilities nationwide.
See Coverage DetailsKaiser Permanente is an integrated health system serving 12.5+ million members in 8 states and DC, offering substance abuse treatment through its own facilities and contracted providers.
See Coverage DetailsMilitary
Health benefits for service members, retirees, and their families
TRICARE is the Department of Defense health program serving active duty service members, National Guard and Reserve members on orders, military retirees, and eligible family members. TRICARE covers substance use disorder treatment across detox, residential, partial hospitalization, intensive outpatient, and outpatient levels of care, with details that depend on whether you carry TRICARE Prime, Select, For Life, or another plan variant.
See Coverage DetailsMarketplace Plans
ACA-exchange plans and Medicaid managed care organizations
Ambetter is the ACA Marketplace insurance brand operated by Centene Corporation in roughly 26 states. As an ACA-compliant Qualified Health Plan, Ambetter covers substance use disorder treatment as one of the 10 essential health benefits — though the specific provider network, plan tier (Bronze, Silver, Gold, Platinum), and any cost-sharing reductions are what shape your real out-of-pocket cost for addiction care.
See Coverage DetailsMolina Healthcare is a managed care organization that administers Medicaid managed care contracts and select Medicare Advantage / ACA Marketplace plans in roughly 20 states, including New York. Substance use disorder treatment is covered under Molina's Medicaid line per state Medicaid benefit rules, with care coordination, transportation support, and connections to housing and employment resources built into the model.
See Coverage DetailsInsurance & Rehab FAQ
Unsure Where Your Coverage Lands?
Almost every treatment program offers free, confidential benefits verification. A call to one or two facilities will tell you exactly what your plan covers, what it doesn't, and what the out-of-pocket figure looks like — no commitment, no enrollment.