Many insurance providers have plans that cover addiction or mental health treatment services. Silvermist is an in-network provider with UPMC, BlueCross BlueShield, Geisinger, Tricare and VACCN. We also accept all major insurances with out-of-network benefits. Some out-of-network providers we frequently work with include Aetna, Cigna, United Healthcare and Humana. We encourage you to contact us with any questions you have about insurance coverage. We also accept self-pay or financing plans organized through Prosper Healthcare Lending.
Insurance Coverage & Addiction Treatment
Thanks to the Mental Health Parity and Addiction Equity Act of 2008, most commercial health insurance companies will treat and cover substance use disorder the same as they would any type of disease. Prior to this federal law, people seeking treatment for substance use disorder often received only limited coverage that came under mental and behavioral health treatment auspices.
Today, addiction treatment is diagnosis as a disease, with the insured receiving medical benefits on par with other health-related diagnoses. However, it’s still important to be sure any health insurance policy you have lists substance use disorder as a covered diagnosis.
Paying for Rehab Treatment
There are various ways to pay for addiction treatment. One avenue to cover the costs of rehab treatment – including medications – is through your private health insurance policy. Most insurance plans cover part of or all your treatment plan in rehab. There are some policies that cover your entire addiction and recovery treatment.
If you are covered under the Affordable Care Act (ACA, and also called Obamacare), you don’t need to worry about a substance use disorder being listed as a pre-existing condition. Even if you are currently dealing with drug or alcohol addiction, you are still entitled to the important health benefits covered by the ACA.