Insurance Options and Verification
The cost of treatment should never stop somebody from getting help. Under the Mental Health Parity and Addiction Equity Act, which requires insurance companies to cover behavioral health services at the same level as medical and surgical care, most private health insurance plans provide coverage for substance use disorder and mental health treatment.
All In Solutions works with many private insurance carriers through out-of-network benefits. Our admissions team verifies your eligibility for coverage quickly and confidentially, so you will know what your plan covers before making any final decisions.
Below is more detailed information about how insurance coverage works for addiction treatment and what to expect when using your benefits.
How Insurance Coverage for Treatment Works
Learning your benefits before you start treatment can save you from unexpected expenses. Here are the key terms to know:
Deductible
The amount you must pay out of pocket before your insurance starts paying for treatment. If you have already met your deductible for the year, your insurance coverage will likely start immediately.
Copays and Coinsurance
Your share of the cost of treatment after the deductible has been met, either as a flat fee or a percentage of the total cost of treatment.
Out-of-Pocket Maximum
The most you will pay during a plan year. Once your total out-of-pocket expenses reach this limit, your insurance will cover 100% of covered services for the remainder of the plan year.
Out-of-Network Benefits
Coverage for services from providers that do not have a direct contract with your insurance. All In Solutions works with many private insurance plans through out-of-network benefits.
Insurance Providers We Work With
All In Solutions accepts out-of-network benefits for almost all major private health insurance carriers.
Please note that we do not currently accept Ambetter, most Kaiser Permanente plans, Oscar, or Molina. If you’re not sure whether your plan qualifies, our admissions team can check your benefits at no charge.
Verify Your Insurance — Free and Confidential
Confirming your therapy benefits is a simple process that only takes a few minutes and carries no obligation for you. Our admissions team will coordinate all elements of your verification process directly with your insurer and will provide you with a comprehensive breakdown of your benefits, including the expected cost. All information obtained is strictly confidential.
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What Treatment Does Insurance Typically Cover?
If you have a private health insurance policy, you likely have coverage for the following types of addiction treatment and mental health care:
- Medical detox
- Inpatient and residential programs
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient programs
- Dual diagnosis and co-occurring disorder treatment
The type of coverage, including deductibles and out-of-pocket costs, can differ depending on your specific health plan. To ensure there are no surprises about what your plan covers, reach out, and our team can clarify it for you.
Frequently Asked Questions About Insurance for Addiction Treatment
Does health insurance cover inpatient drug rehab?
Yes. Most private health insurance plans will provide coverage for inpatient treatment under the Mental Health Parity and Addiction Equity Act. However, the specific amounts available for treatment, including deductibles and out-of-pocket costs, differ based on your individual policy.
Does Blue Cross Blue Shield cover addiction treatment?
Yes, Blue Cross Blue Shield will typically cover the full range of addiction treatment. Please call our admissions team or fill out the verification form to determine if you have coverage through your specific BCBS policy.
What if my insurance isn't accepted?
Please contact an admissions counselor for additional help. We work with most private health insurance carriers and can frequently identify resources to assist those without health insurance. Additionally, we can discuss private pay options and connect you with additional resources, including SAMHSA’s helpline and findtreatment.gov for state-funded treatment options.
Take the First Step Toward a Better Life
Verify Your Insurance — Free and Confidential
At All In Solutions, the foundation of our organization comes from a single truth: If you’ve lived through substance abuse disorder, you understand what it takes to help someone overcome it.
Our team consists of experienced clinicians, counselors, and support staff who not only apply their professional expertise to their daily work but have also experienced substance use disorder on a personal level. We do not simply treat people with substance use disorders; rather, we walk alongside our clients, demonstrating a level of empathy that can only be found through personal experience.
We know that no matter how hopeless you may feel at the moment, there is always a reason to keep going, there is always a way forward, and there is always a solution.