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Financing Addiction Treatment

The cost that comes along with addiction treatment stops many people from seeking help for a substance abuse problem. Skyrocketing costs associated with medical care validate this concern, but one should never sacrifice your well-being and health because of money. 

The disease of addiction is powerful enough to cause a loss of your marriage, problems at work, or result in hefty medical bills because of drug or alcohol abuse. Addiction can also threaten your life in other ways that could end up costing more than treatment in the long run.

While it’s understandable for people to hesitate to get help because of the cost, it should never be the sole deterrent. Insurance companies have become more receptive to helping people with substance use disorders. These companies view addiction as a treatable disease and offer comprehensive coverage. Financing options are available, but there are some limitations to keep in mind.

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What to Know About Substance Abuse Insurance Coverage

The medical community has started to expand its views through rigorous research and found that addiction is a chronic disease. With that, it found it can be treated. Due to these findings, insurance companies have been willing to offer coverage for mental health services and addiction treatment. 

Specific policies will determine your coverage and what will be paid out, but you will incur some out-of-pocket costs. You must get in touch with your insurance company for more information about these expenses and how you can manage them. 

The more common and large insurance companies have established relationships with many treatment centers. If the facility you want to attend meets your needs and is “in network,” there is already an established relationship with your insurance company. Insurance companies pay attention to specific factors, which include:

Doctor and client discussing addiction treatment financing
  • The type of treatment provided
  • Where the treatment center is located (in state, out of state)
  • The facility’s track record and reputation
  • If the facility is privately or publicly funded

The two basic categories that treatment centers provide are evidence-based therapies and alternative therapies. Evidence-based therapy has a proven track record and a substantial level of success. While you cannot expect treatment always to be 100 percent effective 100 percent of the time, some facilities will have better success rates than others. Treatment must have evidence-based options as insurance companies will not cover programs that only use alternative therapies. 

Public Insurance

Those without insurance still have treatment options available to them. Fortunately, there is federally funded treatment that can help those in need who may not have the available funds for insurance. The Affordable Care Act (ACA) is more affordable than private insurance options. Unfortunately, privately funded addiction treatment centers will not accept federal insurance. You must speak with a professional before making a decision. 

Private Insurance

Those with private insurance will have more options available to them. Unfortunately, while it can be helpful, public insurance has less flexibility due to a lack of relationships with treatment centers. Our facility’s dedicated staff will help you determine the coverage you need for treating your addiction. With private insurance, in some cases, you may have access to treatment within 24 hours of your application. 

Private insurance will offer to treat certain therapies and treatments. While one place can include medical detox, others may not. It’s vital to do your research to discover what is covered before accepting any terms for treatment. Fortunately, most private insurance companies will cover treatment at accredited facilities, but the only way to find out is to call.


Rapp, R. C., Xu, J., Carr, C. A., Lane, D. T., Wang, J., & Carlson, R. (2006, April). Retrieved from

National Institute on Drug Abuse. (n.d.). Is drug addiction treatment worth its cost? Retrieved from

(November, 2017). Substance Abuse under the ADA. U.S. Commission on Civil Rights. Retrieved from

Cook, S. C., Schwartz, A. C., & Kaslow, N. J. (2017, July). Evidence-Based Psychotherapy: Advantages and Challenges. Retrieved from

(November, 2017). Affordable Care Act (ACA). Retrieved from

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