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Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About medical detox →

Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About inpatient rehab →

Often

This level varies the most. Some plans cover it fully in-network, some exclude it. Always requires prior authorization and is re-approved every few days.

About residential treatment →

Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About partial hospitalization (php) →

Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About intensive outpatient (iop) →

Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About outpatient →

Rarely

Insurance almost never pays for housing. Some states and nonprofits offer vouchers.

About sober living →

Yes, for the clinical parts

Therapy and medication visits are covered like any outpatient care. Meetings are free.

About aftercare →

Usually yes

Covered by most plans when medically necessary. Higher levels need prior authorization.

About dual diagnosis treatment →

General guidance, not a statement of your benefits.

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