Does Insurance Cover Drug and Alcohol Rehab?

By insurer

• Does Aetna Cover Drug and Alcohol Rehab?

  Aetna plans generally cover addiction treatment, but the level of care, network status and prior authorisation decide what actually gets paid.

• Does Cigna Cover Drug and Alcohol Rehab?

  Cigna routes behavioural health through Evernorth. Coverage exists in most plans, but network tier and pre-authorisation set what you actually pay.

• Does TRICARE Cover Drug and Alcohol Rehab?

  TRICARE covers addiction treatment for eligible beneficiaries, but referral and authorisation rules differ sharply between Prime and Select plans.

• Does Humana Cover Drug and Alcohol Rehab?

  Humana coverage depends heavily on plan type, because employer, marketplace and Medicare Advantage plans each follow different rules. What to check.

• Does Ambetter Cover Drug and Alcohol Rehab?

  Ambetter is ACA marketplace coverage, so addiction treatment counts as an essential health benefit. Narrow networks make verification the real hurdle.

What federal law requires — and what it does not

The Mental Health Parity and Addiction Equity Act requires most group health plans and insurers that cover mental health and substance use disorder benefits to apply no stricter limits to them than to comparable medical and surgical benefits. That covers things like visit limits, prior authorisation practices and cost sharing. What the law does not do is require every plan to cover addiction treatment in the first place, guarantee that a specific facility is in your network, or prevent a plan from applying medical-necessity review. So the practical question is never "does insurance cover rehab" in general — it is what your specific plan covers, at which facilities, after which approvals.

Why Medicare and Medicaid are not covered here

For public programmes, the authoritative answer already exists at the source. Medicare coverage rules are published by the programme itself at medicare.gov, and Medicaid rules are set state by state — your state Medicaid agency is the only reliable source for what applies to you. We do not restate those rules here, because a second-hand summary of a government benefit is exactly the kind of page that adds nothing and ages badly.