Treatment for drug and alcohol addiction or what is now referred to as a substance use disorder is covered by most insurance companies. Federal laws require that insurance policies cover drug and alcohol detox and rehab in the same manner and dollar amounts as medical conditions are covered.
The category of coverage which pays for treating a substance use disorder is called the “behavioral health” benefit package. To use the behavioral health benefits, insurance companies “managed care” by requiring that authorization is maintained from an insurance professional representative. Access to and continued treatment for a substance use disorder are covered only if the managed care representative approves of the treatment provider and plan, including the length or frequency of treatment sessions or days.