Since the Affordable Care Act went into effect in 2010, insurance plans must cover addiction treatment as an essential benefit.1 But each plan is different in how much they cover, which treatment programs they approve, and what copayments and deductibles apply. This page will help you learn more about:
Kaiser has different plans depending on the state you live in, and you may be able to get financial help with monthly premiums through the Health Insurance Marketplace.3 You can make choices once a year about the plan you want based on price, coverage, deductibles, and copayments. The insurance company lets you choose your doctor and change any time. It also offers care when you’re away from home.4 Some of the plans Kaiser may offer include:
These plans are usually offered through your employer and can range from traditional plans with deductibles and copays to preferred plans for out-of-network providers and more.
These are plans you can sign up for on your own. These plans are offered in bronze, silver, gold, and platinum levels, depending on where you live.
These add-on, or supplemental, plans give you extra healthcare benefits beyond basic Medicare. This may include prescription drugs, dental, vision, and more.5
Kaiser offers these plans in 9 states. The exact coverage you get for addiction recovery will depend on the plan in your state, but you can expect at least basic coverage.6
Deciding to get treatment takes a lot of courage. The good news is that most insurance plans cover both inpatient and outpatient treatment. The specific programs covered will depend on your insurance plan. You may have to pay copays or deductibles. To get the details, be sure to talk to your insurance company.
Under the Affordable Care Act (ACA), most insurance companies must cover substance use treatment in some way.1 Kaiser Permanente does cover many forms of addiction treatment. This may include:
But exactly what Kaiser covers will depend on your plan and the state you live in, as well as the length, intensity, and setting of treatment.
The best way to know what your plan does and doesn’t cover is to contact Kaiser. You can do this a few ways:
You can also call the treatment center you plan to attend and ask if they accept Kaiser Permanente insurance. Some
A good first step is talking to your doctor. They can help assess your treatment needs and help you choose a treatment center. But before you enroll in a treatment program, make sure it’s approved and covered through Kaiser Permanente mental health coverage. Also, find out how much of the cost you will have to pay (called “out-of-pocket” costs). The program may have financing options if you need them.
Kaiser Permanente does not require a referral to access mental health services, which usually includes addiction treatment.2
Substance use treatment involves different levels of care such as detox, rehab, and aftercare. Some patients move between different levels of care while in recovery.
Even with insurance, some plans still have costs you will need to pay yourself. These are called out-of-pocket costs and can vary based on many factors. But don’t give up hope; many treatment programs have options to help you afford recovery help, such as:
Detox Centers:
Immediate Service Areas:
Rehab Services:
Aftercare Services:
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