Rehab Insurance Coverage in New York
Most major insurance plans include some level of substance abuse treatment coverage in New York, though benefits vary significantly by plan. Coverage often requires medical necessity documentation and may need prior authorization. Find your insurance below to understand typical coverage options.
Click any insurer to see coverage details and facilities:
Need Help Finding the Right Treatment Center?
Speak with a compassionate specialist now - 100% free & confidential
Compare Insurance Options
Overview of typical coverage (actual benefits vary by plan)
| Insurance | Type | Typical Cost Range | In Directory | Common Coverage | Action |
|---|---|---|---|---|---|
 Medicaid New York State Medicaid | Government | $0-3 per session (example) | 490+ facilities reported | DetoxInpatientMAT | View Details |
Medicare Medicare Parts A & B | Government | $0 after deductible per session (example) | 380+ facilities reported | DetoxInpatientMAT | View Details |
 Aetna Aetna Health Insurance | Private | $25-$50 per session per session (example) | 350+ facilities reported | DetoxInpatientMAT | View Details |
 Cigna Cigna Healthcare | Private | $30-$75 per session per session (example) | 300+ facilities reported | DetoxInpatientMAT | View Details |
 BlueCross BlueShield BlueCross BlueShield | Private | $20-$50 per session per session (example) | 420+ facilities reported | DetoxInpatientMAT | View Details |
.svg) United Healthcare UnitedHealthcare | Private | $25-$60 per session per session (example) | 280+ facilities reported | DetoxInpatientMAT | View Details |
 Humana Humana Health Insurance | Private | $20-$40 per session per session (example) | 180+ facilities reported | DetoxInpatientMAT | View Details |
 Tricare Tricare Military Health Insurance | Military | $0 (Prime) / $31 (Select) per session (example) | 120+ facilities reported | DetoxInpatientMAT | View Details |
Important: The information above represents typical ranges based on standard plans and is provided for general educational purposes only.
- Actual copays, deductibles, and coverage vary significantly by specific plan
- "In Directory" reflects facilities that report accepting this insurance — it does not indicate in-network status
- Network status (in-network vs out-of-network) must be verified directly with your insurance
- Prior authorization and medical necessity requirements may apply
Data source: Facility self-reported acceptance, as of January 2026. Always verify coverage with your insurance company before admission.
What's the Difference?
In-network facilities have contracts with your insurance company. They agree to pre-negotiated rates, which means lower costs for you. Out-of-network facilities don't have contracts, so you'll typically pay much more — often 40-50% coinsurance instead of 20%, plus a separate (usually higher) deductible.
Critical: A facility may "accept" your insurance but still be out-of-network. "Accepts" only means they'll bill your insurer — it doesn't guarantee in-network rates.
Cost Comparison Example
30-day residential treatment ($25,000 total):
How to verify: Call the behavioral health number on your insurance card. Ask specifically: "Is [facility name] in-network for my plan for substance abuse treatment?" Get the reference number for the call.
Levels of Care & What Insurance Usually Requires
Insurance companies use standardized criteria (often ASAM levels) to determine which level of care is covered. Here's what to expect:
3-7 days typical
Usually requires:
- Active withdrawal symptoms
- Medical assessment
- Emergency often covered without prior auth
28-90 days typical
Usually requires:
- Failed lower levels of care
- Unstable living situation
- Prior authorization
- Concurrent reviews (every 5-7 days)
3-5 days/week, 3-6 hours/day
Usually requires:
- Stable housing
- Prior authorization (often easier)
- May be covered as first step for some
1-2 sessions/week
Usually requires:
- Standard copay only
- No prior auth for most plans
- Long-term coverage usually available
Government Insurance
If you have New York Medicaid, you may have access to comprehensive addiction treatment at little to no cost. Medicaid typically covers medical detox,...
Medicare covers essential addiction treatment services for seniors 65+ and individuals with disabilities. While coverage includes medical detox, inpat...
Private Insurance
Military & Veterans
Tricare provides comprehensive addiction treatment coverage for active duty service members, military retirees, and their families. With specialized u...
Insurance denials are common but often overturned on appeal. You have the right to challenge any denial. Here's what to do:
- 1Get the denial in writing — request the specific reason and the criteria used
- 2Request a peer-to-peer review — your doctor can speak directly with the insurance medical director
- 3File an internal appeal — usually within 30-60 days of denial
- 4Request external review — NY has independent review options if internal appeal fails
Helpful Resources
- NY State DFS External Appeal: 1-800-400-8882
- SAMHSA Helpline (free referrals): 1-800-662-4357
- Cite Mental Health Parity laws in your appeal
- Many facilities help with appeals at no cost
If You Have Multiple Options
If you have coverage through multiple sources (your own, spouse's, parent's), consider:
- Deductible: Which have you already met this year?
- Network: Which has your preferred facility in-network?
- Copays: Which has lower out-of-pocket costs?
- Privacy: Adult children may prefer own insurance for confidentiality
Steps to Verify Coverage
- 1Call the behavioral health number on your insurance card
- 2Ask about substance abuse treatment benefits AND network status
- 3Verify specific facility is in-network for your plan
- 4Get a reference number and written estimate before admission
Common Insurance Questions
Need Help Navigating Insurance?
Our team can help verify your benefits, explain coverage options, and connect you with facilities that accept your insurance.
We'll help you understand your coverage options and find the right treatment center for your needs.