The Importance of Insurance for Alcohol Rehab
Cost is often the barrier people in New Hampshire cite when considering alcohol rehab. Asking, “Does insurance cover alcohol rehab in New Hampshire?” isn’t just practical; it’s a critical question on the journey to recovery.
At Heartfelt Recovery Centers, we guide you through the complex world of coverage. We help you see what’s possible, so financial concerns don’t block access to care. For more about how alcohol use evolves and treatment options, you may visit our page on alcohol addiction treatment in New Hampshire.
Does Insurance Cover Alcohol Rehab in New Hampshire?
Yes, in many cases. Under the Affordable Care Act, health insurance must include behavioral health benefits, which generally cover substance use disorder treatment, including alcohol rehab. Depending on your plan, insurance may help pay for:
- Inpatient rehab: Residential care when medically necessary
- Outpatient programs: Counseling and therapy while living at home
- Medication-assisted treatment (MAT): Coverage for certain FDA-approved medications
- Therapy and counseling services: Individual, family, or group sessions
The exact level of coverage varies by provider and policy. Some plans require pre-authorization or specific documentation before approving treatment.
Types of Insurance That May Cover Rehab
Private Health Insurance
Private plans, whether through an employer or the Marketplace, generally include benefits for alcohol rehab. Federal parity laws require that mental health and substance use coverage be comparable to medical and surgical benefits.
Medicaid in New Hampshire
New Hampshire Medicaid includes a substance use disorder benefit that may cover services like outpatient counseling, detox, residential treatment, and recovery support. Exact coverage depends on eligibility and the Medicaid plan selected.
Medicare and Other Plans
Medicare may cover certain rehab services, such as hospital-based detox or outpatient counseling, if deemed medically necessary. However, coverage tends to be more limited than Medicaid or private insurance and may depend on whether the treatment provider accepts Medicare.
Inpatient vs. Outpatient Coverage: What to Expect
Coverage usually differs based on the type of program:
- Inpatient rehab: Many plans may cover inpatient rehab if it’s determined medically necessary, though the length of stay and approved facility type can vary.
- Outpatient rehab: Often more affordable, and many plans include coverage for outpatient counseling and therapy. Deductibles and copays may still apply.
Because these rules differ by plan, verifying your coverage is the best way to understand your personal costs.
What Costs Might Not Be Covered
Insurance usually helps with core medical treatment, but there are costs it may not cover, such as:
- Deductibles and copays you are responsible for
- Services at out-of-network providers
- Amenities or luxury upgrades not considered medically necessary
- Some holistic or complementary therapies outside the scope of approved care
How to Verify Insurance Coverage
Here’s how you can confirm your benefits:
- Review your plan documents for behavioral health or substance use coverage.
- Call your insurance provider and ask specifically about alcohol rehab in New Hampshire.
- Contact Heartfelt Recovery Centers — our admissions team can verify coverage and explain your options.
- Check NH Medicaid eligibility if you think you may qualify.
Verify insurance today, and let our team walk you through your next steps.
