Skip to content

Health Insurance For Recovery

Deciding to get treatment for an alcohol addiction can be challenging, especially when considering the financial responsibility. Luckily, under the Affordable Care Act (colloquially referred to as Obamacare), insurance companies are required to cover a certain level of rehabilitation and recovery care. The benefits vary among providers and may fluctuate from year to year, but basic rehab services such as screenings, medically assisted detox, and various outpatient services are generally covered by most companies.

A Note On Seeking Treatment And Employment

Attending rehab is associated with much stigma and fear, particularly regarding your employment status and overall standing with your job. Fortunately, there are laws in place that protect you from unrighteous termination. Thanks to the Family and Medical Leave Act (FMLA) and the Americans with Disabilities Act (ADA), employers are prohibited from firing any employees seeking treatment for substance abuse and addiction. These policies allow for the affected individual to both prioritize their health and wellness both in mind/body as well as financially.

Major Health Insurance Providers


A partner with CVS, roughly 39 million people have an Aetna health plan. Unlike other providers, Aetna’s approach to rehab is centered on the individual and coverage will depend on said individual’s unique needs. One of the top 5 insurance companies, Aetna is accepted by most recovery facilities. You can learn more about your options by contacting Aetna directly or by speaking with a treatment provider right here.

Blue Cross Blue Shield

Serving members since 1929, Blue Cross Blue Shield covers the health insurance needs of 1 of every 3 Americans. A website separate from their main database, the Substance Use Resource Center provides information regardless of coverage status or geographic location to all who seek to learn more about addiction and how and where they might seek assistance. To find out exactly what is covered under your Blue Cross Blue Shield plan, peruse their site(s), or call and speak with a treatment provider , here, today; they can answer your questions and get you pointed in the right direction.


Another mainstay in the makeup of popular insurance companies, Cigna prides themselves on their 24/7 approach to care and wellness. With a plethora of resources and numerous plan options covering various services, Cigna is commonly accepted at most facilities. For specifics, call a Cigna representative or speak with a treatment provider and they can assist you in learning about your full coverage.

United Healthcare

United Healthcare is the largest insurance provider in the country with plans offering coverage from birth through retirement. Understanding the importance of confidential and accessible assistance, the company utilizes a 24/7 helpline that connects the caller with a “recovery advocate” who can share their options for treatment and recovery. Visit United Healthcare’s website to learn more about options covered under your plan as well as any other resources at your disposal. Contact a treatment provider to kickstart your process, today.


Serving communities since 1961, Humana aims to appeal to and care for the “human” in humanity. Like its competitors, Humana offers behavioral health services coverage that include mental health and addiction treatment; the extent and specifics dependent on the individual’s needs and plan. To find out the details on what your plan offers, reach out to a Humana representative directly or speak with a treatment provider ; they can answer any questions about rehab.


Designed for military service members, veterans, and their families, Tricare covers a variety of inpatient and outpatient programs necessary for the overall wellbeing of its members. Their website illustrates a comprehensive list of treatment programs and services that they cover; for more details and information regarding your specific plan and coverage you can explore their site or reach out to a treatment provider , here, who can connect you to the resources at your disposal.

Using Medicaid And Medicare For Substance Abuse Treatment

Like their counterparts, both the Medicaid and Medicare programs offer various rehabilitation and recovery services. Because of their guidelines and requirements for membership, many of the services they provide are low to no cost for the individual seeking treatment. For specifics on coverage based on your plan, you can go to either website.

Contact A Treatment Provider

Navigating insurance websites can be overwhelming and unfruitful when there is so much information across many various tabs and pages. Treatment providers are completely confidential and available 24/7 to assist you in answering any questions about insurance and coverage and available options. Reach out today to begin becoming the best version of yourself.

  • Author: Hannah Zwemer | Last Updated: June 24, 2022

    Photo of Hannah Zwemer

    Hannah Zwemer

    Hannah Zwemer graduated with a BA in dance and a minor in educational studies from Denison University in 2017 before moving to Orlando to work as a performer at Walt Disney World. While at Disney, she discovered her passion for writing and pursued a master’s degree in creative writing with an emphasis in nonfiction. She is passionate about helping people in any way she can while simultaneously sharing stories that remind us that the best of us are still only human.

  • Medical Reviewer: David Hampton

  • Sources