Rehab Insurance

You may be wondering: Does insurance cover rehab?

Here at Northbound, we understand that cost is a factor when deciding on the right treatment center for treating a substance abuse disorder. One way we can reduce stress in this challenging time is to assist you in navigating the health insurance process. We have a team dedicated to maximizing your drug rehab insurance coverage to minimize your out-of-pocket expenses. Northbound accepts a wide variety of insurance providers.  Provide your health insurance information via our Insurance Verification Form, and we will handle the rest.

Advice From Our Experts: Is Rehab Covered By Insurance? 

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Over our 30-plus years, our rehab center has mastered the complex and at times maddening art of navigating America’s ever-changing insurance landscape.

Insurance for rehab insurance advocates who know the ins and outs of getting the maximum possible benefits from your insurance plan.

Since the Affordable Health Care Act rolled out in 2010, more people than ever are eligible for insurance for rehab centers and coverage for substance abuse, alcohol addiction, and the underlying issues of mental health disorders.

Our advocacy doesn’t stop once we figure out your benefits on the front end. Most policies require weekly utilization reviews. During this process, the insurance provider may attempt to dictate what is appropriate for the client’s treatment while at a rehab center. Our staff pushes back to ensure that certified and accredited medical professionals are the ones making those calls, and that our clients’ treatment continues to be covered by an insurance policy

Rehab Payment Options 

Cost is an important issue when it comes to addiction and mental health treatment. At Northbound Treatment, we want to make sure that treatment is affordable for you and your family. When you call us, our admissions coordinators gather information in order to provide you with a confidential assessment. Costs can vary because each person’s situation is different. Here are some of the things that influence treatment costs:

  • The individual’s clinical diagnosis
  • The recommended length of stay in treatment
  • Whether the situation requires specialized services
  • The individual’s insurance coverage or preferred payment options

After maximizing your insurance plan’s coverage, Northbound Treatment will work with you to handle the remaining out-of-pocket expenses.

Here are a few ways that people commonly pay for a treatment program:

Insurance Coverage

Health Insurance Coverage

Insurance often covers a majority of treatment costs, and the balance (sometimes just the deductible) is most often covered by private pay.

Private Pay

Private Pay

Some individuals choose a private pay option, which means that they cover all costs of the treatment program without the use of insurance. Private pay is a viable option for those who feel comfortable using their own resources. In the event that you don’t have insurance, or your balance after insurance benefits add up to something you can’t afford, we will work with you to come up with a viable payment plan for your rehab program. Don’t let the burden of paying for treatment prevent you or your loved one from achieving recovery. Investing in a rehab program is a worthwhile endeavor that provides the foundation for a new life—and in the end, it saves time, money, energy, and quality of life.



Thanks to generous donations from benefactors-including alumni who credit us with saving their lives-we are able to offer scholarships to people who cannot otherwise afford treatment.

Counting the Cost

When you are counting the costs of treatment, remember that you are making a lifetime investment in life transformation and wellness. Addiction and untreated mental health issues are not going to go away by themselves. Time, money, and personal welfare are lost in their wake, and the costs only grow the longer the issues are untreated. Your commitment to recovery will yield invaluable results. 

Insurance Terms

As mentioned, we have a comprehensive approach to working with insurance companies. But here are some terms that might come up along the way. 

Insurance Verification

This is the first step in figuring out your rehab insurance coverage. Once we have your insurance information via our efficient Insurance Verification Form, we will start the verification process, which typically takes one business day. Once we’ve navigated your plan, we will call you to review the details of your plan’s coverage. 


Think of this like a prescription from a doctor. Some policies require pre-certification before you admit. We will complete the pre-certification process for you if possible. Some policies state that you yourself must notify the insurance company; in those cases, we are there to support you, through that process. 

Insurance Substantiation 

Throughout treatment, many insurance plans require regular check-ins and clinical reviews to check that the person receiving insurance coverage for treatment is in fact still in need of treatment. We comply with these requirements while making sure our medical professionals remain the architects of your treatment. We are versed in ensuring insurance coverage remains through recovery.  


Your deductible is an annual cost amount that you must pay before insurance will begin to cover your expenses. If you have a high deductible plan, you are accepting a higher overall cost in order to have a lower premium each month. If you have a low deductible plan, your premium will be higher each month. Once the deductible amount is reached, your insurance will cover all or a certain majority percentage of your healthcare costs.


A copay is a regular fixed cost that you pay for certain services. For example, many people pay a small copay each time they visit the doctor. This contributes to your overall plan and is part of your cost agreement with the insurance company. Some insurance plans do not require a copay.

Primary Insurance Subscriber

The person whose name is on the insurance card. Many people in treatment qualify for coverage under their family’s insurance plan. 

In-Network Health Insurance Coverage

When a treatment provider is “in-network” with your insurance company, the rates for treatment are discounted and predetermined. This is cost-effective for all involved parties, but it also means that the choice of providers may be limited.

Out-of-Network Coverage 

A treatment provider that does not have a predetermined contract or cost agreement with the insurance company, but people can still receive treatment. Out-of-Network rates will not be the same as they are for an in-network provider, but specialized facilities may be worth the out-of-network rates if the in-network provider does not offer the options that a person needs for treatment.


A premium is the amount of money that people pay at regular intervals to their insurance companies for their coverage. This is the individual’s contribution to his or her policy, and in some cases, employers may also contribute to this premium. Premiums are determined by what kind of coverage a person has, such as an HMO or PPO plan.

Out-of-Pocket Expenses 

Your out-of-pocket cost is the amount of money you must pay each time you visit a doctor or rehab. These costs are usually due at the time treatment begins, but you may also be able to pay these costs a little at a time with payment plans. Out-of-pocket expenses include deductibles, copay, and co-insurance.

We accept all major insurance plans

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Call Us at (844) 919-0403

or if dialing from outside the US, +1 (714) 515-3578.
8 AM – 8 PM PT, 7 days a week.
Expect a confidential and private call within 12 hours from a knowledgeable and compassionate professional who will answer all of your initial questions.
Email Us (we’ll get back to you within 12 hours).

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Article Reviewed by Paul Alexander

Paul AlexanderPaul Alexander is the founder and CEO of Northbound Treatment. He received his Certified Addiction Treatment Specialist training at Saddleback College in Mission Viejo, CA, and was awarded Outstanding Alumni Service Award in 2002. Paul holds a Bachelor of Arts degree in Criminology, Law and Society, Summa Cum Laude, from University of California, Irvine, and a Juris Doctorate degree from Loyola Law School of Los Angeles. He believes wholeheartedly in transformational leadership, organizational health and effective, fully integrated substance use disorder treatment.


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