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Insurance Options
Get Help Paying For Addiction Treatment
In-Network with Most Major Insurances
Making Treatment As Accessible and Affordable as Possible
Paying for treatment can often be a stressful and intimidating component of the recovery process. At Wellbridge, we are an in-network partner with several major insurance companies to ensure you or your loved one gets easy access to critical addiction healthcare.
Contact us today to verify what your insurance plan will cover to help reduce any out-of-pocket expenses associated with substance use disorder treatment.
INSURANCES WE ACCEPT
Helpful Health Legislation Regarding Rehab Insurance
The Affordable Care Act (ACA) created a universal opportunity for anyone to afford health insurance. This legislation confirms that no one can be turned away from receiving insurance coverage and essential health benefits due to a preexisting condition, including Alcohol or Substance Use Disorders (SUD / AUD).[1]
Since 2010, all carriers have been mandated to provide coverage for mental health treatment, including behavioral health treatment services and addiction center care. These laws also extended the Medicaid program to support new and beneficial substance abuse treatment methods.
Aetna, Cigna, United Healthcare Northwell Direct, Magnacare, Empire, BlueCross BlueShield, MVP Healthcare, and Oxford Health Plans are some of the major carriers partnering with industry-leading treatment centers like Wellbridge.
What Can Impact My Health Insurance Plan Coverage For Detox and Treatment?
Health insurance providers will vary among carriers, and every patient has unique needs that must be met. Generally speaking, insurance policies will cover some or all inpatient or outpatient treatment according to the following considerations: [2]
- Type of plan
- Length of stay
- Co-morbid medical health conditions
- Type of substance
Other considerations may include the severity of their addiction and if the patient has any co-occurring mental health disorders. To determine your specific level of coverage or to estimate copays, contact the admissions department at Wellbridge for a customized evaluation.
What If I Don’t Have Insurance?
While the cost of treatment can cause some to put off critical care or skip it altogether, there are other options. Delaying treatment shouldn’t be one of them. Most recent data for New York State reveals that 25.3 people out of every 100,000 died of an overdose involving opioids and other substances.[3]
Wellbridge is committed to connecting you with the resources you need to get life-saving, life-changing care, including:
- Sustainable payment plans
- New York State Health Insurance Plans (NYSHIP, out-of-network options)
- Grants from the Substance Abuse and Mental Health Services Administration (SAMHSA)
- Medicare
- Medicaid
- U.S. Department of Veterans Affairs
- 1199SEIU Funds
- Optum Employee Health Plans (Suffolk County)
- And more
Contact us to determine the level of care needed, and we’ll help you discover ways to pay for treatment.
Frequently Asked Questions About Rehab Insurance
What’s the cost of rehab without insurance?
There is simply no way to answer this question without first knowing the needs of the patient. Levels of care range from hospitalization, detox, residential rehab, and ongoing aftercare. To determine what costs you can expect, you must first know what your individualized treatment plan is and what treatment program is a good fit for you.
What kind of treatment does insurance cover?
This really depends on what kind of treatment your healthcare providers or addiction treatment specialists determine you need. However, there are multiple substances and conditions that receive insurance coverage, including:
- Alcohol rehab
- Drug rehab
- Co-occurring disorder treatment
Are rehabilitation costs deductible?
Yes. According to the IRS, addiction treatment can be listed as a medical expense.[4]
Sources
[1]National Archives and Records Administration. (n.d.). Substance abuse and the Affordable Care Act. National Archives and Records Administration. https://obamawhitehouse.archives.gov/ondcp/healthcare
[2]Dickson-Gomez, J., Weeks, M., Green, D., Boutouis, S., Galletly, C., & Christenson, E. (2022, March 31). Insurance barriers to substance use disorder treatment after passage of mental health and addiction parity laws and the Affordable Care Act: A qualitative analysis. Drug and alcohol dependence reports. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9948907/
[3]New York State Opioid Annual Data Report 2023. (n.d.-f). https://www.health.ny.gov/statistics/opioid/data/pdf/nys_opioid_annual_report_2023.pdf
[4]2023 publication 502. (n.d.-a). https://www.irs.gov/pub/irs-pdf/p502.pdf