Most plans cover treatment by law
Under the federal Mental Health Parity and Addiction Equity Act and the Affordable Care Act, most health plans must cover substance-use and mental-health treatment at the same level they cover other medical care. In practice, that means detox, residential, and outpatient care are commonly covered — sometimes at 100% after your deductible.
What you actually pay depends on your specific plan: your deductible, copay or coinsurance, whether the program is in-network, and the level of care you need. The only way to know for sure is to verify your benefits — which a program’s admissions team will usually do for you, free, in a single phone call.
Private & employer insurance
Commercial plans (Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, and others) typically cover medically necessary treatment. In-network programs cost you less; out-of-network may still be partially covered depending on your plan.
Two things matter most: whether your coverage is active right now, and whether the program is in-network. When you use Clear Bed Recovery, we match you to programs based on the coverage you tell us about — and the program confirms the details directly with you.
Medicaid & Medicare
Medicaid covers substance-use treatment in every state, though the specific services and the programs that accept it vary by state. Medicare covers inpatient and outpatient behavioral-health care for those who qualify.
Not every program accepts Medicaid or Medicare, so it helps to filter for ones that do. Our directory lets you see which programs accept your payer type before you ever pick up the phone.
Self-pay and sliding scale
If you are uninsured, many programs offer self-pay rates, payment plans, scholarships, or sliding-scale fees based on income. Publicly funded and nonprofit programs may offer low- or no-cost care.
SAMHSA’s free national helpline (1-800-662-4357) can also point you to low-cost and state-funded options, 24/7.
How to verify your benefits in one call
You do not need to decode your policy alone. Have your insurance card handy, then either call the program’s admissions line or let us connect you. They can run a verification of benefits and tell you, often within minutes, what your plan covers and what your out-of-pocket cost would be.
Clear Bed Recovery connects you to treatment facilities; we do not provide treatment ourselves, and we never charge you to use the service.