Find Alcohol & Drug Rehabs that Accept HealthPartners Insurance

In many cases, yes. HealthPartners plans may include benefits for multiple levels of substance use disorder (SUD) treatment when the care is considered medically necessary.

Coverage depends on your exact plan, state, and network rules, so verifying your individual benefits is the safest way to understand what applies to you.

Typical services that may be included under HealthPartners plans:

• Detoxification (outpatient or hospital-based)
• Residential or inpatient rehab when 24-hour care is needed
• Partial Hospitalization (PHP) and Intensive Outpatient (IOP)
• Standard outpatient counseling (individual, group, or family)
• Medication-Assisted Treatment (MAT) with FDA-approved medications
• Dual-diagnosis/mental health treatment for co-occurring conditions

Services must meet clinical guidelines and be delivered by approved providers.

1. Employer Group Plans

Most employer-sponsored plans include behavioral-health benefits and access to licensed addiction providers.

2. Individual & Family Marketplace Plans

Coverage varies by tier, but many plans include outpatient care, IOP, and MAT.

3. HealthPartners HMO Plans

In-network only; care is typically coordinated through primary providers.

4. HealthPartners PPO Plans

Allow more provider flexibility, and may include some out-of-network coverage.

5. Open Access / POS Plans

Hybrid plans offering in-network savings with optional flexibility.

6. Medicare Plans

May cover counseling, addiction medications, and medically necessary services.

7. Medicaid / Minnesota Medical Assistance / MinnesotaCare

May include detox, outpatient treatment, and state-regulated SUD services.

To decide whether treatment is medically necessary, HealthPartners generally reviews clinical information such as:

• Severity of symptoms
• Current or potential safety risks
• Previous attempts to stop using substances
• Co-occurring mental or physical health conditions
• Updated documentation from your provider

These criteria help determine the most appropriate level of care for your situation.

HealthPartners uses a tiered network system, and your total cost can vary significantly depending on where you receive care. Understanding these rules helps prevent unexpected bills.

In-Network Providers (Most Affordable Option)

Using an in-network rehab or behavioral health facility typically means:

• Lower deductibles — many plans apply reduced amounts when care is delivered inside the network.
• Lower copays or coinsurance — your share of the cost is usually smaller.
• Predictable billing — contracted rates help avoid surprise charges.
• Fewer authorization issues — facilities familiar with HealthPartners often handle paperwork more efficiently.
• Smoother care transitions — referrals between in-network clinicians may be faster.

Most HealthPartners HMO, POS, and Marketplace plans are designed around in-network care.

Out-of-Network Providers (Higher Costs, Limited Situations)

Some HealthPartners PPO or open-access plans may include partial coverage for out-of-network care, but members often experience:

• Higher deductibles and coinsurance
• Provider charges above HealthPartners’ allowable amount, which the member may need to pay
• More administrative steps, such as submitting your own claims
• Additional review requirements before approval

In some cases, out-of-network residential or inpatient programs may not be covered at all unless the plan specifically includes these benefits.

Addiction care often involves multiple stages—detox, inpatient, outpatient, MAT, and follow-ups. Staying in-network may:

• Reduce cumulative costs across all levels of care
• Reduce disruptions during transitions
• Ensure each provider meets HealthPartners’ credentialing and quality standards

Members who start out-of-network may face limits on follow-up care or higher cumulative expenses.

Although rare, HealthPartners may consider some out-of-network exceptions:

• If no in-network program offers the specific treatment level you need
• If you are traveling or temporarily living outside the service region
• If an emergency requires immediate placement

These situations typically require a case review and supporting documentation.

Exact costs vary by plan, but you may encounter:

• An annual deductible before benefits begin
• Copays or coinsurance after meeting the deductible
• Lower costs for in-network treatment
• Different responsibilities based on plan tier (Bronze, Silver, Gold, etc.)

Better Addiction Care can help estimate your out-of-pocket expenses.

HealthPartners may request certain clinical documents before approving treatment. Timelines can vary:

• Basic outpatient care → may be approved within 1–2 business days
• Detox or inpatient treatment → typically requires clinical review that may take a few days
• Emergency needs → may be expedited

These steps help ensure the treatment aligns with HealthPartners’ clinical guidelines.

While medically necessary care is often included, some services typically are not:

• Luxury amenities (private rooms, spa treatments, massage therapy)
• Non-evidence-based or holistic-only programs
• Out-of-network rehab without PPO benefits
• Long-term sober living unless clinically justified

Understanding these limits prevents unexpected costs.

Members still have several problem-solving options:

• Request a reconsideration or file an appeal
• Submit additional or updated clinical documentation
• Choose an in-network program to reduce out-of-network barriers
• Discuss step-down care options that may still meet clinical needs
• Explore payment-assistance options offered by treatment centers

These steps help you continue pursuing safe and appropriate care.

Checking your benefits ahead of time helps you understand:

• Whether your facility is in-network
• Required authorizations
• Expected deductibles or coinsurance
• Which levels of care (detox, PHP, IOP, MAT) are included

Better Addiction Care can handle this process to reduce delays.

You can verify your benefits by:

• Calling the number on your Health Partners ID card
• Reviewing behavioral-health and SUD details in your Member Portal
• Allowing Better Addiction Care to verify coverage on your behalf

This ensures fast, accurate information about what your plan may include.

You may still have options:

• Choose an in-network facility
• Request a reconsideration
• Provide additional clinical documentation
• Discuss alternative or step-down levels of care
• Explore payment-assistance or flexible financing

Better Addiction Care can help you navigate these choices safely.

We help you:

• Confirm your healthpartners benefits
• Manage prior authorizations
• Connect with licensed, in-network treatment facilities
• Understand expected costs before treatment

Our goal is to simplify the insurance process so you can focus on recovery.