What Are the Different Types of Insurance That Can Help Pay for Rehab?
Seeking treatment for substance use or mental health challenges is a life-changing decision, but for many individuals and families, the cost of rehab can feel overwhelming. Fortunately, there are several types of insurance that may help reduce or cover the expenses associated with professional treatment. Understanding the different options available can help you make informed decisions and gain access to the care you or your loved one needs. At Maverick Behavioral Health, we believe that financial concerns should never be a barrier to recovery, and we’re here to help you explore your coverage options with clarity and support.
Private Health Insurance
Private health insurance is one of the most common ways people pay for rehab services. These plans are often provided through an employer, purchased directly from a provider, or accessed through a state or federal marketplace. Thanks to the Affordable Care Act (ACA), most private insurance plans are required to include coverage for mental health and substance use treatment as essential health benefits. This means that inpatient rehab, outpatient therapy, detox services, and medications for addiction treatment are often at least partially covered.
However, coverage details can vary widely depending on the provider and plan. Some policies cover the full cost of treatment at in-network facilities, while others may require co-pays, deductibles, or out-of-pocket expenses. It’s important to verify your benefits with both your insurance company and your chosen treatment center. At Maverick Behavioral Health, our team can assist you by reviewing your policy, confirming what services are covered, and helping with any necessary pre-authorizations.
Medicaid
Medicaid is a state and federally funded insurance program designed to provide health coverage for low-income individuals and families. Each state administers its own Medicaid program, and coverage for substance use and mental health services can vary. However, most states include some form of rehab services as part of their Medicaid benefits, especially under Medicaid expansion initiatives.
Eligible individuals can typically access inpatient and outpatient treatment, detoxification services, counseling, and medication-assisted treatment (MAT) under Medicaid. Because Medicaid providers are subject to state-specific rules, it’s essential to choose a rehab facility that accepts Medicaid and is familiar with the approval and billing process. Maverick Behavioral Health proudly works with Medicaid and can help eligible clients navigate the enrollment and verification process to access treatment without delay.
Medicare
Medicare is a federal insurance program that primarily serves people aged 65 and older, as well as some younger individuals with disabilities. Like Medicaid, Medicare can provide coverage for a wide range of behavioral health services, including addiction treatment. Medicare is divided into several parts—Part A, Part B, and Part D—which together can cover inpatient rehab stays, outpatient therapy, and medications prescribed during or after treatment.
It’s important to note that Medicare coverage for rehab is subject to specific guidelines and may require physician referrals, pre-authorization, or treatment at Medicare-approved facilities. Maverick Behavioral Health can help Medicare beneficiaries understand their coverage and connect with approved services so they receive the care they need with minimal financial confusion.
Military and Veterans Insurance (TRICARE and VA Benefits)
Members of the military, veterans, and their families may qualify for behavioral health treatment through TRICARE or the Department of Veterans Affairs (VA). TRICARE provides health coverage for active-duty service members and their dependents, while VA benefits are available to eligible veterans.
Both programs offer access to substance use and mental health treatment, including inpatient rehab, outpatient services, and medication-assisted therapy. However, the scope of coverage, referral requirements, and treatment locations may vary based on military status, service history, and enrollment. Veterans seeking help should work with a VA caseworker or reach out to a treatment center experienced in coordinating care with TRICARE or the VA. Maverick Behavioral Health honors our nation’s service members and is dedicated to helping them receive the compassionate care they’ve earned.
Navigating Insurance with Confidence
Understanding the types of insurance that can help pay for rehab is a critical step in beginning your recovery journey. Whether you’re covered by a private plan, Medicaid, Medicare, or military benefits, there is a path forward—and support is available to help you take that next step. At Maverick Behavioral Health, our admissions and financial teams are experienced in working with a wide range of insurance providers and will advocate on your behalf to secure the coverage you’re entitled to. If you’re interested in articles like this then you might want to check out:Will My Insurance Cover the Entire Duration of My Stay in Rehab?
Recovery should never be delayed because of uncertainty about how to pay for it. If you or someone you love is considering treatment and needs help understanding their insurance options, reach out to Maverick Behavioral Health today. Together, we’ll find a way forward—toward healing, stability, and hope.
