🆘 If you or someone you know is in crisis, call 988 (Mental Health) or 1-800-662-4357 (SAMHSA)
🔒 100% Confidential & Free

Insurance Coverage Checker

Find out what your insurance covers for addiction treatment. Takes less than 60 seconds.

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Who is your insurance provider?
Start typing to search. Don't see yours? Select "Other" at the bottom.
Examples: Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare
🏥
PPO
More flexibility, any provider
📋
HMO
Need referrals, network only
📑
EPO
Network only, no referrals
🔄
POS / Other
Hybrid plan
Tell us about your plan
You can find these details on your insurance card or member portal. Estimates work if you're not sure.
If you've already had medical expenses this year, you may have partially met your deductible
The most you'll pay in a year. After this, insurance covers 100%.
What type of treatment are you looking for?
Select all that apply. We'll show coverage for each.
🏥
Medical Detox
Medically supervised withdrawal
🏠
Residential / Inpatient
24/7 care in a facility
🌅
PHP (Day Treatment)
6-8 hours/day, live at home
📋
IOP
3 hours/day, 3-5 days/week
🗣️
Outpatient Therapy
1-2 sessions/week
💊
MAT (Medication)
Suboxone, methadone, Vivitrol

💡 Pro Tip

Under the Mental Health Parity Act, your insurance must cover addiction treatment at the same level as medical/surgical care. Select multiple types to compare coverage.

Your Coverage Estimate
Based on your plan details, here's what your insurance likely covers.
Estimated Out-of-Pocket (30 Days)
$X,XXX
Your insurance may cover the rest

📊 Deductible Progress

$0 $X,XXX deductible

✅ Mental Health Parity Act

Federal law requires most insurance plans to cover mental health and substance use disorder services at the same level as medical/surgical care. Your plan cannot impose higher copays, stricter limits, or more prior authorization requirements on addiction treatment.

📋 Affordable Care Act Coverage

ACA marketplace plans must cover substance use disorder treatment as one of 10 essential health benefits. This includes behavioral health treatment, counseling, psychotherapy, and substance use disorder treatment.

⚠️ Before You Call Your Insurance

  • Ask if the facility is in-network (saves 40-60%)
  • Ask about prior authorization requirements
  • Ask about concurrent review (length of stay limits)
  • Get everything in writing — request a Summary of Benefits
  • Ask the treatment center to verify benefits on your behalf

In-Network vs. Out-of-Network

Factor In-Network Out-of-Network

Want help verifying your exact coverage?

Treatment centers have dedicated insurance specialists who can call your insurer and verify your exact benefits — often within hours. Enter your info and we'll connect you.

🔒 HIPAA Compliant
✅ Verified Facilities
🤝 100% Free
Disclaimer: This tool provides estimates only and does not guarantee coverage. Actual benefits depend on your specific plan, the treatment facility, medical necessity determinations, and prior authorization. Always verify directly with your insurance company and treatment provider.