Find Alcohol & Drug Rehabs that Accept Elevance Health Insurance

Elevance Health plans often include behavioral health coverage designed to support integrated care for mental health and substance use disorders. Depending on your plan, coverage may include:

• Detoxification Programs: Medically supervised inpatient or outpatient detox to safely manage withdrawal symptoms.
• Residential and Inpatient Rehabilitation: Structured 24/7 care for individuals who need intensive support.
• Partial Hospitalization Programs (PHP): Day programs offering intensive therapy without overnight stays.
• Intensive Outpatient Programs (IOP): Structured treatment multiple days per week while living at home.
• Outpatient Therapy and Counseling: Individual, group, and family sessions for ongoing recovery and relapse prevention.
• Medication-Assisted Treatment (MAT): FDA-approved medications for opioid or alcohol dependence, combined with therapy.
• Dual Diagnosis or Co-Occurring Disorder Treatment: Integrated care for SUD and co-existing 

Coverage decisions are typically based on the following factors:

• Medical Necessity: Documentation from a licensed clinician confirming the appropriate level of care.
• Prior Authorization: Certain treatments, such as inpatient rehab, detox, or MAT, may require approval before services are provided.
• Network Status: In-network providers generally offer lower out-of-pocket costs and faster approval. Out-of-network providers may be partially covered or require higher cost-sharing.
• Plan Type and State Regulations: Coverage varies depending on whether you have Medicaid, Marketplace, or employer-sponsored insurance, and is also influenced by state requirements.
• Action Step: Submit all clinical documentation promptly to reduce delays in approval and avoid unexpected costs.

Using an in-network provider ensures smoother claims processing and typically lowers your out-of-pocket costs. Steps to identify in-network care include:

• Search the Elevance Health Provider Directory: Filter by licensed addiction treatment centers, therapists, or counselors.
• Verify Program Accreditation: Look for centers accredited by recognized organizations for addiction treatment quality.
• Confirm Prior Authorization Requirements: Some services, like detox or residential care, may require pre-approval before admission.
• Check Coverage for Co-Occurring Conditions: Ensure integrated mental health care is included if needed.

Working with Better Addiction Care can help you quickly identify in-network programs that meet your clinical needs and insurance requirements.

Treatment costs vary depending on your plan type, network status, and state. Key cost considerations include:

• Annual Deductible: You may need to meet your plan's deductible before coverage starts.
• Copays and Coinsurance: After meeting your deductible, you are often responsible for a percentage of treatment costs.
• Session or Day Limits: Some plans cap the number of covered outpatient therapy sessions or inpatient/residential days.
• In-Network vs. Out-of-Network: Using in-network providers generally reduces costs and simplifies billing.

Ask your provider and Elevance Health member services for an estimate of your out-of-pocket costs to avoid surprises.

Medication-Assisted Treatment (MAT) Coverage With Elevance Health

For opioid or alcohol dependence, Elevance Health may cover MAT, which can include:

• FDA-Approved Medications: Prescribed and monitored by licensed providers to reduce cravings and prevent relapse.
• Behavioral Therapy: Counseling sessions that complement medications for long-term recovery.
• Prior Authorization and Plan Limits: Some plans require approval before starting MAT and may limit the number of covered medications or therapy sessions.

Confirm the specific medications, dosage, and therapy sessions covered under your plan before beginning treatment.

Integrated Care for Co-Occurring Mental Health Conditions

Many individuals with SUD also have mental health conditions such as anxiety, depression, or bipolar disorder. Elevance Health coverage may support dual diagnosis treatment, which can include:

• Combined Therapy: Treatment plans that address both substance use and mental health symptoms simultaneously.
• Medication Management: Psychiatric evaluation and prescription management for mental health conditions alongside SUD care.
• Coordinated Provider Network: Integrated care across multiple providers to ensure consistent support and communication.

Approval timelines depend on the type of treatment and plan requirements:

• Outpatient Therapy: Usually a few days if documentation is complete.
• Partial Hospitalization or IOP: Can take 3–7 business days for authorization.
• Inpatient or Residential Programs: May take 1–2 weeks or longer, especially if additional clinical documentation is required.
• Delays: Often caused by incomplete forms or out-of-network providers.

Some Elevance Health plans allow coverage for out-of-state treatment, but there are important considerations:

• In-Network Coverage: Typically applies to facilities within your state or region.
• Out-of-State Programs: May be available for PPO or commercial plans, but costs and prior authorization requirements may differ.
• Travel Planning: Confirm network status and authorization requirements before starting treatment at an out-of-state facility.

Before starting treatment, verify your coverage to prevent delays and unexpected costs:

1. Gather Your Insurance Card and Plan Documents: Note your plan type, member ID, and group number.
2. Call Member Services: Ask specifically about SUD coverage, prior authorization requirements, and in-network providers.
3. Check Online Provider Directories: Identify licensed, accredited treatment centers in-network.
4. Confirm Coverage for MAT and Dual Diagnosis Care: Ensure your specific medications and therapy sessions are included.
5. Understand Cost Responsibilities: Deductibles, copays, coinsurance, and session limits.
6. Partner With Better Addiction Care: We verify coverage, handle authorizations, and connect you with in-network providers quickly.

If your plan does not cover the full cost or type of treatment you need:

• Appeal the Denial: Submit supporting clinical documentation for reconsideration.
• Adjust the Level of Care: For example, start with IOP or outpatient therapy while pursuing approval for inpatient care.
• Explore Financial Assistance Programs: Many treatment centers offer sliding-scale fees or payment plans.
• Seek In-Network Alternatives: Switching to a covered provider may reduce cost and speed approval.

Our team simplifies the insurance process so members can focus on recovery:

• Confirm Benefits and Eligibility: We review your specific plan to identify covered services.
• Handle Prior Authorizations and Paperwork: Reduce delays and administrative burdens.
• Connect You With Accredited Providers: In-network treatment centers that match your clinical and insurance needs.
• Explain Costs Upfront: Understand deductible, coinsurance, and copay obligations before admission.

Result: You can start treatment quickly, confidently, and without unnecessary financial stress.