Understanding Insurance Coverage for Rehab

One of the biggest concerns men have when they finally reach the point of seeking treatment is cost. The idea of a 30-day residential rehab program feels overwhelming, not only emotionally but financially. For many, the first question is: Does insurance cover rehab?

The good news is yes, most insurance plans, including Medicare, do provide at least partial coverage for rehab. The challenge is understanding how coverage works, what’s included, and what your options are if insurance doesn’t cover everything.

At Naples Retreat, we’ve seen countless men and their families hesitate out of fear that they “can’t afford help.” This guide clears up the confusion, explains what insurance and Medicare cover, and shows you how we work with men to make recovery accessible, no matter their situation.

Does Insurance Cover Rehab?

The short answer: yes, but coverage depends on several factors.

Most private insurance companies and government programs like Medicare and Medicaid recognize addiction as a medical condition, not just a behavioral issue. Thanks to the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA), insurers are required to cover mental health and substance use disorder treatment at levels comparable to other medical conditions.

This means your insurance is likely to cover some or all of the following:

• Detox services (medical stabilization for alcohol withdrawal).
• Inpatient or residential rehab (such as Naples Retreat’s 30-day program).
• Outpatient rehab or counseling after residential care.
• Medication-assisted treatment (MAT) when necessary.
• Mental health treatment if addiction is accompanied by anxiety, depression, or trauma.

Still, not every policy covers rehab in the same way. Let’s break down the two most common situations: Medicare and private insurance.

Does Medicare Cover Rehab?

If you’re eligible for Medicare, you may be wondering how it helps with addiction treatment. Yes, Medicare does cover rehab, as long as it is medically necessary and provided by a facility that accepts Medicare.

Here’s how it works:

Medicare Part A (Hospital Insurance)

• Covers inpatient treatment (hospital-based or residential rehab programs).
• You may have to pay a deductible and coinsurance.
• Coverage is based on benefit periods, not calendar years.

Medicare Part B (Medical Insurance)

• Covers outpatient services like therapy, counseling, and certain medications.
• Also helps with partial hospitalization programs (PHPs) if inpatient isn’t required.

How Many Days Does Medicare Pay for Rehab?

• Up to 90 days per benefit period in an inpatient setting.
• After 90 days, you may use lifetime reserve days (up to 60 total days in your lifetime).
• Outpatient therapy may be covered indefinitely, as long as it’s medically necessary.

Medicare and Mental Health Coverage

Since addiction often overlaps with depression, anxiety, or trauma, Medicare also provides coverage for inpatient and outpatient mental health treatment.

Does Private Insurance Cover Rehab?

Most private insurance plans, such as Blue Cross Blue Shield, Aetna, UnitedHealthcare, or Cigna, offer coverage for rehab programs.

Depending on your policy, coverage may include:

• Detox and medical stabilization.
• 30-day residential rehab (like Naples Retreat).
• Intensive outpatient programs (IOP).
• Follow-up therapy and relapse prevention support.

In-Network vs. Out-of-Network

• In-network rehab centers (approved by your insurer) are often more affordable.
• Out-of-network rehab centers may still be covered, but at a lower percentage.
• Naples Retreat can help verify insurance benefits so you know exactly what’s covered before you start treatment.

What Factors Affect Coverage?

Insurance coverage for rehab isn’t one-size-fits-all. Several factors influence how much is paid for:

1. Length of Stay

A 30-day program is often covered, but longer programs may require extra approval.

1. Medical Necessity

Insurance companies often require proof from a doctor that rehab is needed.

1. Type of Program

Residential, outpatient, and detox services may be covered at different levels.

1. In-Network vs. Out-of-Network

Staying in-network often reduces out-of-pocket costs.

1. Co-Occurring Disorders

If you have mental health issues alongside addiction, coverage may expand under parity laws.

What If Insurance Doesn’t Cover Everything?

Even with insurance, many men worry about costs. At Naples Retreat, we want to remove that barrier:

• Non-Profit Advantage → Because we are a non-profit, our focus is helping men recover, not generating profit. This allows us to keep costs more manageable.
• Payment Flexibility → We work with men and their families to create solutions if insurance doesn’t cover everything.
• Scholarship Opportunities → Limited financial aid may be available in some cases.
• Insurance Verification → Our admissions team can check your benefits in minutes, giving you clarity before making a decision.

Don’t let financial fear stop you from seeking help. The cost of not treating addiction, lost jobs, broken families, health consequences, is far greater.

Why Naples Retreat Is Different

There are many rehab centers in Florida, but Naples Retreat stands apart in ways that matter:

• Men’s-Only Program: Designed for accountability, brotherhood, and shared experience.
• 30-Day Residential Program: A focused, immersive environment free from daily triggers.
• 12-Step Foundation: Rooted in the proven spiritual solution of Alcoholics Anonymous.
• Structured Accountability: Not a “generic” program, tailored for men who want real-world coping strategies.
• Peaceful Location: Our Naples, FL facility provides a serene, distraction-free environment for healing.
• Non-Profit Mission: Every dollar goes back into helping men find freedom, not into shareholders’ pockets.

FAQs About Insurance and Rehab

• Does insurance cover drug and alcohol rehab?

Yes. Both Medicare and private insurance are required to cover addiction treatment under federal law, though coverage levels vary.

• How many days does Medicare cover for rehab?

Typically up to 90 days per benefit period for inpatient treatment, with an option to use lifetime reserve days.

• What does insurance typically pay for in rehab?

Detox, inpatient or residential rehab, outpatient services, therapy, and sometimes medication-assisted treatment.

• Does insurance cover inpatient mental health care too?

Yes. Both Medicare and private insurers must provide coverage for inpatient and outpatient mental health care.

• Can I come to Naples Retreat if I don’t have insurance?

Yes. We offer payment options, financial guidance, and support to make treatment accessible. Call us to explore your options.

Final Thoughts: Don’t Let Cost Keep You From Recovery

Addiction takes a toll not only on your health but on your family, career, and future. The truth is, insurance often covers more than people realize, and at Naples Retreat, we’re here to help you navigate the process.

If you’re wondering whether your insurance will cover treatment, the best step is simple: call us. Our admissions team will verify your benefits, explain your options, and guide you toward a path of recovery, without judgment, confusion, or pressure.