Does Insurance Cover Drug & Alcohol Rehab in Florida?

The Mental Health Parity and Addiction Equity Act of 2008 requires health plans to apply the same rules to mental health benefits that they do to medical benefits.[1] This rule means your health insurance plan can’t limit your coverage for drug and alcohol rehab anywhere, including in Florida.

Boca Recovery Center works with most major insurance providers within Florida for drug and alcohol rehabilitation. 

We also offer options like financial scholarships to ensure you get the help you need when you need it. To see if your insurance plan covers all drug and alcohol rehab costs, submit a free insurance verification form. 

Our team of admission specialists will work directly with your insurance provider to get you the maximum possible benefits for your care.

Insurance Coverage for Drug Rehab at Boca Recovery Center

Boca Recovery Center works with most major insurance companies. If you need drug or alcohol rehab and want to use your insurance coverage to pay for it, Boca Recovery Center is a good choice.

More than 87% of Florida residents have health insurance.[2] We do our part to ensure you can use your plan if you need care. 

In fact, our Florida drug rehab centers work directly with the following Florida insurance providers to help you maximize your benefits and cover the costs of your treatment:

• Aetna
• Florida Blue / Blue Cross Blue Shield
• Humana
• Amerigroup Real Solutions
• CareFirst
• Independence
• Anthem 
• Community Healthcare Network
• Kaiser 
• Beacon 
• Healthspan 
• Magellan Health 
• Tricare

If you don’t see your provider in this list, don’t worry. Many other plans can cover your treatment at Boca – including drug detox and inpatient treatment. 

The fastest way to learn all the details of your coverage is to submit your insurance policy information here, and our team can call back to provide you with an overview of your coverage, and any financing options on a case-by-case basis.

If you don’t have your insurance card on hand, simply reach out to our intake team via phone or form submission. We can walk you through the simple process of checking your drug and alcohol rehab coverage. 

Since we connect with almost every company out there, we can almost certainly help you. 

Verifying Insurance Coverage for Drug & Alcohol Rehab in Florida

The Boca Recovery Center admissions team can work with your insurance company directly. We’ll determine what is and what is not covered. And we’ll ensure you get the maximum possible coverage to benefit your care and recovery. 

What Types of Insurance Cover Drug & Alcohol Rehab Treatment in Florida?

Several types of health insurance exist. All of them cover some form of drug and alcohol rehab. 

These types of plans cover rehab:

• Employer-sponsored plans: Whether you have an HMO or PPO, if your job provides health insurance, it can help you pay for care. 
• Private health insurance: If you bought your health insurance independently, your plan can help to pay for your treatment. 
• Medicaid: Healthcare coverage through Medicaid can pay for drug and alcohol rehab. 
• Medicare: Plans originating through the Medicare system can help you get the treatment you need. 

How Much Does Insurance Cover for Drug & Alcohol Treatment in Florida?

Florida residents can expect to pay between $15,000 and $30,000 per month for treatment that isn’t government-funded or a luxury rehab.

Insurance plans can greatly reduce this cost, and in order to maximize your coverage, it’s essential that you reach out to our admissions team for help—we can work directly with your provider to get you the maximum amount of coverage.

Your recovery plan may include the following components:

• Medications: Therapies like buprenorphine and methadone can be crucial for people in recovery from opioid addiction. People with benzodiazepine addictions may need different pharmaceutical solutions. Each refill can be costly.
• Therapy: Working with therapists and counselors can mean per-session fees. These costs can be reduced if you participate in group (not individual) sessions. 
• Housing: Residential treatment comes with costs associated with room, board, and adjunct therapies (like art therapy). 

Every insurance policy is different. Most cover medications and therapy, but some limit how long you can spend in inpatient care. 

The Boca Recovery Center team can help you understand what your plan will cover. If your plan requires copayments for services, you’ll know just how much your treatment will cost you out of pocket. 

What Types of Addiction Treatment Does Health Insurance Cover in Florida?

Different rehabilitation settings come with different costs. Insurance plans cover almost all of them, but the extent can vary. 

These types of addiction treatment are typically covered by health insurance plans In Florida:

• Detoxification: You work with a medical team to get sober without experiencing life-threatening complications. Medications are a core expense within this mode of care.
• Inpatient care: You move into a facility and work on your recovery around the clock. Some insurance plans will limit how long you can spend in inpatient care, as this is the most expensive form of treatment. 
• Partial hospitalization: You live at home and attend a high frequency of treatment during the day, for up to 30 hours per week.
• Intensive outpatient care (IOP): You visit a treatment facility every day, for between 9 and 20 hours per week, to work on your recovery while you live at home. 
• Outpatient care: You visit a treatment team on a set schedule, based on your needs, to keep working on your recovery.
• Medication-assisted treatment (MAT): This program is designed for people recovering from an addiction to opioids like heroin and prescription painkillers. You use medications like buprenorphine or methadone throughout your treatment program. 

Getting Drug & Alcohol Treatment Without Insurance

While insurance coverage for drug rehab in Florida is common, some people don’t have healthcare plans. Others have very limited coverage that leaves them with big bills for even routine care. Boca Recovery Center can help. 

Boca Recovery Center offers payment plans for drug and alcohol rehab, so you can get the treatment you need without breaking your monthly budget. 

Scholarships are also available for people who need care and have no way to pay for it. We’re willing to work with you to make your treatment work financially.

You can also try other payment options. Some people have health savings accounts (HSAs) filled with funds for healthcare expenses. Others have flexible spending accounts (FSAs) with medical funds they must use every year. We accept both of these payment options too. 

Addiction Treatment Admissions in Florida 

The Treatment Episode Data Set (TEDS) contains state-by-state data about addiction recovery programs. We’ve outlined what you need to know about Florida.

In 2020, more than 41,000 people enrolled in treatment. In 2018, more than 101,000 people did so.[4] It’s possible that addiction rates within the state have dropped. It’s more likely that the pandemic kept people from the care they need. We hope to change that. 

The majority of people enrolled in outpatient care programs. About 2,500 enrolled in inpatient rehabilitation care. [4]

Of people enrolling in care in Florida in 2020:[4]

• 11,002 were primarily addicted to alcohol.
• 10,466 were primarily addicted to opioids.
• 7,295 were primarily addicted to marijuana.
• 3,482 were primarily addicted to cocaine.
• 2,303 were primarily addicted to methamphetamine.

No matter which drugs you’re using or the care you need, we’d like to help. With our evidence-based care and comprehensive treatment approach, you can stop abusing all substances and embrace a better life in recovery. Contact our drug and alcohol rehab center today to find out more.