Tool · Facility Counts Checked October 2026
Can I Pay for Treatment?
How Can You Pay for Addiction Treatment?
Most people pay with health insurance, Medicare, Medicaid, TRICARE or VA health care, and every state funds treatment for people without insurance. Of the 11,833 facilities SAMHSA lists, 9,569 accept Medicaid, 9,562 accept private insurance and 4,695 offer a sliding fee scale. Pick your coverage and state below to see what it must cover and where it's accepted.
Check Your Coverage
More on Paying for Treatment
Read the full guides to what insurance covers, rehab that takes Medicaid, free and low-cost rehab and how much rehab costs. Veterans can also read about VA addiction treatment. Compare what each level of care involves with the levels of care tool, then search the treatment finder with a payment filter.
Frequently Asked Questions
Does Health Insurance Have to Cover Rehab?
Marketplace plans must cover substance use disorder treatment as an essential health benefit, and the federal parity law requires plans that cover it to do so on terms similar to medical care. Some plans cover only certain levels of care, so check yours.
Does Medicare Pay for Rehab?
Yes. Part A covers inpatient care and Part B covers outpatient counseling, intensive outpatient services and medication treatment, with the 2026 deductibles and coinsurance shown above.
Can You Get Treatment Without Insurance?
Yes. Each state funds treatment for people without insurance through its substance use agency, and many programs use a sliding fee scale. SAMHSA's National Helpline can refer you.
What if My Insurance Denies Treatment?
You have the right to an internal appeal and an independent external review, and urgent cases must be handled faster. Your insurer must tell you why it denied the claim and how to dispute it.
Sources
- HealthCare.gov: Mental health and substance use coverage
- HealthCare.gov: Out-of-pocket maximum limit
- HealthCare.gov: Appealing a health plan decision
- HealthCare.gov: Medicaid and CHIP
- Department of Labor: Mental health and substance use disorder parity
- Medicare: Mental health and substance use disorder coverage
- Medicare: Inpatient hospital care costs
- Medicare: 2026 costs
- Medicare: Opioid use disorder treatment services
- TRICARE: Substance use disorder treatment
- VA: Substance use problems
- VA: Copay rates
- SAMHSA: Know what your insurance covers
- SAMHSA: Free or low-cost treatment
- SAMHSA National Helpline
- SAMHSA FindTreatment.gov listing data, checked October 2026