Rehab Insurance Coverage

Initiating substance abuse treatment for the first time can be scary. Between planning your length of stay, determining the treatment program that will work best for you, exploring treatment centers, and determining payment, there are a lot of factors involved.

You may feel alone in seeking treatment services, but you are not. The Substance Abuse and Mental Health Services Administration estimates that around 28 million Americans are currently struggling with addiction. By seeking drug rehab and alcohol rehab services, you can take charge of your substance abuse today. 

At Future Now Detox, our team works with you to help you identify your payment options and explain your insurance coverage. If this is your first time navigating treatment with insurance and payment options, here is some of the most important information you’ll need to know!

rehab insurance coverage

Understanding Your Insurance Plan

When reviewing the insurance plan provided by your health insurance provider, you may find yourself confused over the term and plan specifics. 

Here are some of the key insurance terms you’ll need to know in order to make sure your health insurance plan best fits your needs. 

Key Insurance Coverage Terms


A deductible is the amount of money of out of pocket expenses you will have to pay before your insurance begins to cover costs. 

For example, your insurance may have a $6,000 deductible. This means that you will have to pay the first $6,000 of medical costs out of your own pocket before insurance will cover the rest. Often, deductibles will reset at the first of the year, but you can check with your insurance provider to confirm.


Short-termed as a “co-pay”, this is often a set amount of money you will have to pay for a specific treatment. 

For example, a doctor’s office visit may have a $50 co-pay, meaning each time you visit that doctor’s office, you will pay $50 while insurance covers the remainder. Often, co-pays only apply to smaller procedures and single visits. For longer stays or surgeries, you may not have a set co-pay amount. 


A premium is the monthly cost of keeping your health insurance plan. This will be a predetermined cost based upon the coverage level you’ve chosen. Usually, the higher the monthly premium, the lower the deductible and out-of-pocket costs will be.


This is the portion of money that you’ll pay out of pocket depending on your insurance plan. Usually, these numbers fall under 60/40, 70/30, 80/20, and 90/10 percentages. 

If your coinsurance is 60%, that means you’ll pay 60% of the costs while your provider covers the other 40%. Generally, the more expensive the plan, the more your insurance company will cover. 

Common Plan Types from Insurance Providers

Depending on the health insurance company you have, your plans may have specific names, or they may fall under general plan types and names. Many of these common plans fall under the categories of EPO, HMO, POS, and PPO plans. 

If you are unsure which plan you have and what falls under that category, here is a quick guide to all major health insurance companies and their common plans. 

General Plan Types and Names

Exclusive Provider Organization (EPO) Plans

This plan is also called an EPO plan. In this tier, you are only covered if you visit doctors, centers, and specialists within your insurance’s covered provider network. Sometimes, in the case of emergencies or special treatments, your insurance company will allow you to use out-of-network providers. 

Health Maintenance Organization (HMO) Plans

This level of plan usually only covers care for doctors and centers that are contracted through that insurance organization. This plan may also require you to live within a certain county of your state to maximize your coverage. Much of an HMO plan focuses on preventative wellness.

Point of Service (POS) Plans

This type of plan allows you to see providers outside of your network. However, you will pay less and get more coverage if you use providers that are in-network, as in-network providers are often incentivized. You will also likely be required to get a referral from a PCP if you need to see a specialist, in or out of network. 

Preferred Provider Organization (PPO) Plans

With this plan model, you will pay less for doctors in-network. However, you will still be able to use providers out-of-network. The main difference between a PPO and POS plan is that with a PPO plan, you are not required to get referrals from a primary care physician

Will Insurance Cover My Substance Abuse Treatment?

Once you’ve admitted yourself to a cocaine medical detox program, the staff will evaluate your mental and physical health by asking you questions about your addiction. It’s important to answer honestly so that they can design a treatment program that meets your needs, as the cocaine withdrawal timeline varies per person.

You’ll need to provide information about when you last used cocaine, as well as other details. The staff will select the appropriate medication for cocaine use disorder to manage the withdrawal symptoms and help you begin addressing the root causes of your addiction.

Medications in Detox for Cocaine Withdrawal symptoms

These medications are intended to curb your intense cravings and reduce the depression caused by detox from cocaine. The use of medications in the withdrawal process can be vital for overcoming cocaine addiction. Some drugs prescribed to treat cocaine addiction increase the production or release of the neurotransmitter GABA, which will calm your central nervous system and help you relax. 

Other drugs can help prevent relapse by encouraging the brain to process dopamine. During treatment, the staff may slowly taper you off medication to reduce psychological withdrawal symptoms while helping you adjust.

In Network With Most Insurance

We understand the importance of accessibility and affordability, which is why we have partnered with several insurance companies to better service you. We accept most major insurance providers and private health insurance. Our team is available 24/7 to assist you in navigating your insurance coverage. If you don’t have insurance, we are here to help you understand the options available for you or a loved one.

Take the first step toward recovering from addiction by calling Future Now Detox at (866) 419-3899, or verify your insurance by clicking the button below. 

More than just a place to get sober

We strongly believe in the work we do. We are committed to the health and well-being
of every soul we treat. We don’t just want to get you sober. We want to help you
recover in body, mind, and spirit, so you can awaken to a new life.

More Than Just A Place To Get Sober
More Than Just A Place To Get Sober
More Than Just A Place To Get Sober
More Than Just A Place To Get Sober
More Than Just A Place To Get Sober

Your Recovery Starts here.

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