Insurance

Most plans are required to cover addiction and mental health treatment, and have been since 2008. Federal parity law says those benefits cannot carry tighter limits than the medical side, which means no lower visit caps, no higher copays, and no extra hoops that a comparable surgical claim would not face. What that translates to in dollars still varies a great deal, because your plan tier, your network, and whether the program needs prior authorization all sit between the legal requirement and your actual bill.

Find your insurer below for a page on what that plan typically covers, then verify the details directly before admitting anywhere. Three questions settle most of it: is this facility in network, what is my out-of-pocket maximum this year, and does this level of care need prior authorization. Write down the name of whoever answers and the reference number for the call. Treatment centers will usually run a benefits check for you at no cost, which is useful, though it is worth confirming yourself since it is your bill.