Health insurance may help pay for some substance-use treatment, but benefits differ by member, employer group, state, provider network and level of care.
Using Insurance for Addiction Treatment
Table of Contents
Coverage depends on the specific plan, network, medical-necessity criteria, authorizations and the services requested. Benefit verification is not a guarantee of coverage, payment or admission.
Priority insurance resources
- GEHA
2026-oriented guidance for federal employee and postal plans. - TRICARE
Coverage considerations for service members and military families. - Aetna
Plan-specific addiction-treatment coverage information. - Cigna
Plan and network considerations for Cigna members.
Other payment and plan information
- PPO plans
How PPO network and cost-sharing rules may apply. - COBRA
Continuing employer coverage during eligible transitions. - Verify benefits
Request a confidential benefits check without a coverage guarantee. - Private payment
Questions to ask about self-pay costs and financial terms.
For emergencies, call 911. In the United States, call or text 988 for suicide or mental-health crisis support. Website information is not a substitute for individualized medical advice.
More insurance guides
How Much Does Addiction Treatment Cost?
Treatment-cost factors, insurance considerations and payment questions.
Health Insurance After Age 26: Coverage Options
Coverage options after age 26, including employer, marketplace and COBRA plans.
Does Blue Cross Blue Shield Cover Addiction Treatment?
BCBS network, authorization and member-cost questions to verify.
Does UnitedHealthcare Cover Addiction Treatment?
UnitedHealthcare network, authorization and member-cost questions to verify.
Blue Cross Blue Shield of Oklahoma and Addiction Treatment
BCBS Oklahoma coverage and provider questions to verify.