Insurance Coverage & Treatment Costs

Does insurance cover addiction treatment? Yes. Most comprehensive insurance plans cover inpatient addiction treatment, including medical detox and residential rehabilitation. At BetterChoice Treatment Center, we work with your insurance to maximize coverage and minimize out-of-pocket costs.

This page explains how insurance works for inpatient rehab, what plans we accept, and what to expect financially when you choose BetterChoice for treatment.

Insurance Plans We Accept

BetterChoice Treatment Center accepts most major insurance providers. Below is a list of commonly accepted plans. If your insurance isn’t listed, call us at [PHONE] — we may still be able to work with your plan.

Major insurance plans accepted:

• Aetna
• Anthem Blue Cross Blue Shield
• Cigna
• Humana
• Kaiser Permanente
• Optum/United Healthcare
• Tricare (Military)
• Most other PPO and HMO plans

Don’t see your insurance? Call us at [PHONE] for a free insurance verification. We work with hundreds of plans and can often find coverage options you didn’t know existed.

Does Medicare or Medicaid Cover Addiction Treatment?

Medicaid Coverage

Yes, Medicaid covers inpatient addiction treatment in most states. Coverage varies by state, so eligibility depends on where you live and your Medicaid status. If you’re on Medicaid, we can verify your coverage before admission.

To check your Medicaid coverage: Call us at [PHONE] with your Medicaid ID card, and we’ll verify your benefits within 24 hours.

Medicare Coverage

Medicare (Parts A and B) covers inpatient addiction treatment and medical detox. If you’re age 65 or older and on Medicare, most of your treatment costs should be covered after your deductible is met.

How Much Does Inpatient Treatment Cost?

The cost of inpatient addiction treatment at BetterChoice depends on:

• Length of stay: 30, 60, or 90 days (most common)
• Program level: Medical detox, residential treatment, intensive outpatient
• Medical complexity: Dual diagnosis, polysubstance abuse, medical complications
• Insurance coverage: What your insurance plan covers

Average cost for 30-day residential treatment: $15,000–$30,000 (before insurance)

Your out-of-pocket cost depends on your insurance plan and deductible. Many patients pay $0–$5,000 after insurance covers their portion. We’ll provide an exact estimate after we verify your insurance.

Example Scenarios

Scenario 1: Insurance with deductible already met Insurance covers 80% of treatment. Your cost: approximately $3,000–$6,000 for 30 days.

Scenario 2: Medicaid coverage Medicaid typically covers 90%+ of treatment costs. Your cost: minimal to $0.

Scenario 3: No insurance Self-pay rates available. We offer payment plans for uninsured patients.

Payment Plans & Financial Options

If insurance doesn’t cover the full cost, or you don’t have insurance, we have options to make treatment affordable.

Financing options available:

• Payment Plans: Spread treatment costs over 3–12 months with no interest
• Sliding Scale Fees: Reduced rates based on household income (for uninsured patients)
• Family Loans: We can help coordinate family contributions
• Personal Loans: Information on medical loan providers

Don’t let cost prevent you from getting treatment. We believe recovery should be accessible. Call us to discuss a payment plan that works for your situation.

Insurance Verification & Pre-Authorization

How the Insurance Process Works

Step 1: Insurance Verification Call us with your insurance card. We verify:

• Your coverage status
• Deductible amount & whether it’s met
• Copay/coinsurance percentages
• Prior authorization requirements
• Estimated out-of-pocket costs

Step 2: Prior Authorization (if required) Some insurance plans require the treatment provider to get approval before admission. We handle this — usually within 24–48 hours.

Step 3: Admission Once verified and authorized, you’re ready to admit. Bring your insurance card and photo ID.

Timeline: Insurance verification to admission can happen in as little as 24 hours.

Common Insurance Questions

Q: Will my insurance cover the full cost of treatment? A: Most plans cover 70–90% of treatment costs. The remaining 10–30% is your responsibility (co-insurance). We’ll provide an exact breakdown after verifying your insurance.

Q: What if my deductible isn’t met? A: You’ll need to meet your deductible before insurance coverage kicks in. However, inpatient treatment typically counts toward your annual deductible. We can estimate your total costs upfront.

Q: Does insurance cover medical detox? A: Yes. Medical detox is usually covered at the same rate as inpatient treatment (70–90% coverage). Detox is often considered a medical necessity.

Q: Will my employer find out I’m in treatment? A: No. Insurance claims are private. Your employer won’t see details about your treatment unless you voluntarily disclose it.

Q: What if my insurance denies coverage? A: We can appeal insurance denials. We also have payment plans for situations where insurance doesn’t cover treatment.

Q: Do you accept out-of-state insurance? A: Yes. We accept insurance from all states. Coverage may vary by state, but we work with most out-of-state plans.