Does Insurance Cover Rehab? | Insurance Coverage for Addiction Rehab
Drug and Alcohol Rehab in Orange County
The Spirit of Healing.
The Power of Possibility.

Insurance Coverage for Addiction Rehab

We proudly accept Cigna, United, Blue Cross Blue Shield (BCBS), Aetna, Humana, Tricare, Optum, UHC, Multi- Plan, CDS Health Care, and many, many others insurance providers.

We want to help you get started on your journey to sobriety, so we will provide you with information that can help to answer some of the most common questions people typically have regarding qualifying plans.

Sometimes talking over the phone is easier.

We’re here to listen to your questions and help you get answers. Call us at 949-239-7557 .


In general, there are four main categories of insurance plans. We’ve listed a brief overview of each below.

Preferred Provider Organization

Preferred Provider Organization, or PPO, plans allow individuals to see any provider of their choosing without needing a prior referral. Providers included within the plan’s network are typically the most affordable, but insurance will still cover a portion of the costs of seeing an out-of-network provider.

High Deductible Health Plan

This group of plans is usually abbreviated as HDHP. Individuals with an HDHP will usually pay much lower monthly premiums, but they will also have to pay a lot more in out-of-pocket expenses before the insurance company will cover any medical services.

Health Maintenance Organization

These are what are generally referred to as HMOs, and they are a bit more limiting than a PPO. Out-of-network providers are not covered at all, and patients must receive referrals to see in-network specialists. You may use your HMO Insurance policies with Cigna. More HMO’s to come…

Health Savings Account

A Health Savings Account, or HSA, is a specialized account that can be paid into throughout the year. It has special tax advantages and allows a lot of flexibility when it comes to paying medical expenses. HSAs are often paired together with HDHPs for more comprehensive care.

Basic Insurance Terminology

In order to help you understand how to use your insurance to help pay for rehab services, you should also be able to decipher the jargon insurance companies use. Below are the explanations behind the most common terms so that you can navigate conversations about coverage more easily.


To put it simply, this is the amount of money you will be expected to pay before your insurance company will cover the rest of the bill. This is money that must be paid in addition to your premium, and your premium does not count towards the total amount.

For most plans, the deductible is an annual amount, and once you’ve paid that amount, everything beyond that will be covered at a predetermined rate by your insurer.


This is the amount that you pay each month in order to remain covered by your insurance plan. As mentioned above, it does not count towards your deductible.


A copay is a small, fixed amount of money that you are expected to pay upfront at the time of service. It can range anywhere from $50 to $750, depending on your plan and the type of policy you have.

Like your premium, this payment does not count towards your yearly deductible.


This is the amount that your insurance agrees to pay after you’ve reached your deductible. For some plans, patients are covered 100 percent, but others may only cover 75 to 80 percent, which leaves a portion that the patient is still responsible for.


The term “in-network” refers to a select group of providers that your insurance company has made agreements with in order to lower costs. By choosing in-network care, you typically receive the most discounted services. We are In Network with Cigna currently.


You will usually hear this as either “out-of-pocket expenses” or “out-of-pocket maximum.” Out-of-pocket expenses refers to the money you will be expected to pay for your care. The out-of-pocket maximum is the maximum amount you will be expected to pay for services. Once this cap has been reached, your PPO will cover any further costs.

Addiction and Mental Health Services Benefits

According to, the Affordable Care Act has included substance abuse and mental health care services as essential healthcare benefits. This means they must be covered like any other medical service according to your specific plan’s guidelines.

  • Substance abuse services typically include the following:
  • Medical detoxification
  • Stabilization
  • Inpatient treatment
  • Residential rehabilitation programs
  • Outpatient care programs

If the care is deemed medically necessary, most PPOs have specific coverage limitations per calendar year, such as 30 days for inpatient care and 30 outpatient rehab visits.

How to Get Coverage for Our Program

Your specific insurance company may have its own list of requirements before it will provide coverage, but in general, there are things you can do to make getting coverage easier.

  • Start With Your Physician – Your primary care physician will be able to give you a referral for our facility, which makes dealing with your insurance company less of a hassle.
  • Review Your Coverage – We accept most major PPOs, but you should make sure that we are on your in-network provider list first so that there are no surprise out-of-network costs. If we are not considered in-network by your insurer, there is a good chance that you can still get partial coverage. We are happy to help you calculate what your out-of-pocket costs may be if necessary.
  • Speak With Customer Service – It can sometimes be confusing to determine what is and is not covered simply by reviewing your paperwork. If this happens, don’t hesitate to call your insurance company and ask as many questions as you need to.

The National Institute on Drug Abuse has found that enrolling in a rehab program can save everyone time and money in the long run. It will lower future healthcare costs and lower your risk for future criminal justice expenditures.

Simply fill out the online form below to verify your insurance, and then call or contact Scottsdale Recovery Center today to take the first steps towards sobriety. We can provide additional information and assistance with navigating your insurance coverage, and all of your information will remain strictly confidential.

Let America’s Rehab Campuses Help You Get Sober.

All Private PPO Medical Insurance Accepted. Call us today at 949-239-7557 .

Verify Your Insurance Here

Real Stories From Real People

Recovery Stories
  • “I am proud of both myself and the friendly CRC staff for helping me get my wings back! Thank you, I will never forget how selfless and kind you all were in helping me throughout my journey!”

    Cale M.
  • “I was a difficult client but received the individual attention you promised. The Psychologist on staff was a great help to me. I received the care I was promised and have much hope for the future. I would recommend Dana Point Rehab Campus to anyone.”

    Nursing Professional
  • “Dana Point Rehab Campus helped me to find my purpose to live a happy and healthy life I have always dreamed of.”

    Jonathan H.
  • “The custom-tailored approach and the competent and caring staff made me both comfortable and productive.”

  • “I will pray for you to continue to have the zeal u will need, to keep saving people from despair and addiction”

    Mother of Alumni
  • “It’s given me a strong base and confidence in my current recovery, as well as more enjoyment of day-to-day life”

    Retired CEO
  • “This place helped me start to find the cause of my addiction and managed to sincerely save me from myself while providing me the training and skills needed to combat this in the future.”

  • “Coming to DPRC was one of the best decisions I have made in my life.”

    Mark H.

You'll Feel At Home

Recovery Starts Here
  • Serene Views

    Perched on a hill overlooking one of the most picturesque locations in Southern California.

  • Empowering Transformation

    Therapy custom tailored to deliver lifelong success by empowering change within.

  • Cutting Edge Treatment

    Research-proven, evidence-based addiction recovery therapies.