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Is Meth Rehab Covered by Insurance?

Written by: Geoffrey Andaria, Mental Health Writer

Reviewed by: Dr. Carl Williams, Ph.D., LCADC

Methamphetamine (often referred to as "meth") is a powerful and addictive stimulant. It's easy to manufacture and cheap for users to buy as it's made of low-cost chemicals that are easy to get. Meth has effects similar to those of other stimulant drugs like cocaine, but its effects are more potent and last longer.

Does Insurance Cover Meth Rehab?

If you are wondering, "Is meth rehab covered by insurance?" because you're thinking about going to treatment using your health coverage, then the quick answer is YES. This is because treatment for your meth addiction is likely to be wholly or partly covered by your insurance provider.

According to the Mental Health Parity and Addiction Equity Act (MHPAEA) and the Patient Protection and Affordable Care Act (ACA), health insurers must now pay the cost of treating alcohol and substance use disorders, including drugs like meth.

The law also regards drug addiction treatment as among the essential health benefits. Therefore, it is now impossible for most insurance companies to outright refuse to fund treatment for drug use disorders. In addition, the MHPAEA requires health insurance companies to cover drug addiction at the same level as they do for other medical illnesses.

Does insurance cover meth rehab?

Can an insurer deny me coverage?

Is meth rehab covered by insurance plans provided by the government?

Types of insurance plans used for meth treatment

What kinds of meth treatment programs are included in health coverage?

What coverage benefits are not included?

Meth rehab at Rolling Hills Recovery Center

Rolling Hills Recovery Center Meth Helpline

Anytime, day or night, you may call us at Rolling Hills Recovery Center at 855-559-8550. We'll work with you to find the best treatment plan.

Can An Insurer Deny Me Coverage?

Medically Reviewed:

Dr. Carl Williams Ph.D., LCADC

Rolling Hills Recovery Center

Expert Contributor

Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.

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Insurance policies for businesses with more than 50 workers must include mental health services to comply with the Mental Health Parity and Addiction Equity Act. The benefits cover the cost of drug misuse treatment, including meth addiction therapy.

However, the legislation is designed to help workers at bigger businesses. It does not extend to small group plans with 50 or fewer participants. In addition, it does not apply to health insurance policies purchased by individuals.

In addition, it does not apply to health insurance policies purchased by individuals. However, insurance plans purchased via the Healthcare Marketplace must provide coverage for substance abuse treatment.

Federal and state regulations and legislation may also impact whether or not insurance companies pay for drug rehabilitation. Insurance policies vary by state, so you must check with your service provider to learn the specifics of your coverage.

Is meth rehab covered by insurance plans provided by the government? Medicaid & Medicare, and Addiction Treatment

Americans eligible for Medicaid may now get coverage for drug addiction treatment through the Affordable Care Act. Medicaid is a federal government-funded health care program for low-income Americans. Since almost 12% of adult enrollees in this program suffer from a drug use issue, there is an even greater need to increase funding for mental health services.

Medicare is a federal health insurance program for those 65 and above or those under 65 who have a severe impairment and do not qualify for any other health care insurance. Medicare will, in certain instances, cover all costs associated with the treatment of meth addiction and the costs of treating addiction to other substances.

There are several cases when Medicare may pay for the treatment of methamphetamine addiction:

First, the provider attests to the medical need for the services.
You are treated in a Medicare-approved and network-participating medical center.
Finally, the service provider is the one who develops your treatment strategy.

Contact your preferred provider to learn more about your treatment choices since not all facilities that treat drug addiction accept Medicare and Medicaid as payment.

Types of Health Insurance Plans Used for Meth Treatment

Every health insurance policy is somewhat different in how it covers medical expenses. This may impact the effectiveness of your provider network and the amount you have to pay out of pocket for rehabilitation services covered by your insurer.

Three of the most popular types of health coverage are;

HMOs (Health Maintenance Organizations).
PPOs (Preferred Provider Organization insurance plans).
POS (Point of Service plans).

With HMOs, your insurance plan may restrict you to doctors and treatment facilities that are part of the insurance provider network. So while you may seek emergency care from physicians outside the network, you'll need to stick to in-network providers for your routine medical needs (including any necessary drug abuse treatment).

PPO plans often have a higher monthly cost but provide greater flexibility than HMO plans.

A hybrid of Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs), Point-of-Service (POS) plans provide more flexibility and lower out-of-pocket costs. There is no restriction on which providers a member may visit, within or outside the network; however, the member's primary care physician (PCP) must approve any OON services before the member is reimbursed for the cost.

It is essential to understand your insurance coverage before choosing a facility or service.

Rolling Hills Recovery Center offers free 24/7 meth addiction support. Call today and confidentially speak with our addiction specialists at 855-559-8550.

What Kinds of Meth Treatment Programs are Included in Health Coverage?

The Affordable Care Act makes it mandatory for health insurance to cover treatment for substance abuse disorders. However, the exact services paid for by insurance can significantly vary from one state to the next and from one treatment center to the next.

Additionally, they may change from one year to the next. Thus, you should review your coverage benefits before contacting a rehab facility.

In general, your health insurance should offer coverage for the following meth rehab services:

Meth screenings.
Intervention measures.
Medically-managed residential/inpatient care.
Medical detox services.
Outpatient services.
Services related to mental health, such as psychotherapy and counseling.
Treatment for dual diagnosis (co-occurring disorders).

Depending on the package that you choose, more services can be available. Among these are:

Care management.
Preventative counseling.
Medication-assisted treatment.
Self-help groups (Peer support services).
Risk reduction interventions.
Intensive outpatient programs (IOPs).
Partial hospitalization programs (PHPs).
Follow-up services.

The American Society of Addiction Medicine emphasizes that a continuum of care is necessary to recover from substance use disorders successfully. Therefore, it ensures that a patient gets assistance during and after treatment.

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What Coverage Benefits Are Not Included?

Regrettably, not everyone has health insurance, and even those with it may not get sufficient coverage to pay for the necessary treatment for themselves or their families. In addition, there is a possibility that treatment will not be paid for if it is determined to be medically unnecessary.

The following are examples of services that are often excluded from health insurance coverage:

Recreation programs.
Amenities that are not related to medical care.
Holistic treatment services.
Alternative therapies.

Generally, insurance companies do not cover relapses. Therefore, you may need to look for alternate treatment or payment options if you relapse. However, some health insurance companies will still pay for your treatment if you relapse. You may need a case manager to speak on your behalf, especially if you have relapsed. Having a care manager at your side increases the likelihood that someone will advocate for your treatment needs to be covered by insurance.

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Meth Rehab at Rolling Hills Recovery Center?

Treatment for drug abuse disorders is usually fully or partially covered by medical insurance. In-network treatment providers may be more affordable depending on your insurance plan and the extent of your medical needs.

Rolling Hills Recovery Center accepts most national and local insurers. We have intake coordinators who can help you verify your insurance and create a treatment plan that meets your needs. If a patient does not have health insurance, we will work with them to devise a payment schedule that fits their budget.