Does insurance cover rehab? Most PPO plans cover medically necessary outpatient rehab, PHP, IOP, and mental health treatment.
Direct answer
Most PPO plans cover medically necessary outpatient rehab, PHP, IOP, and mental health treatment.
- Question: Does health insurance cover addiction treatment?
- Category: Insurance
- Phone: 469-747-1201
Mental health parity laws require insurance to cover behavioral health treatment on par with physical health. Practically, most major PPO plans cover PHP and IOP.
Coverage details vary by plan — deductible, coinsurance, out-of-pocket max. We verify your specific plan before you start.
What isn't covered: sober living (housing, not treatment). See our sober living pricing page.
Related guides
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How much does rehab cost?
With PPO insurance, most clients pay their deductible + coinsurance until their out-of-pocket max.
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In-network vs out-of-network rehab
In-network = lower out-of-pocket, contracted rates. Out-of-network = higher out-of-pocket, more provider choice.
We Accept Most Insurance Plans:
We’ll verify your benefits in minutes — 100% confidential.