Paying for addiction treatment is a concern for many Connecticut families, but in most cases, your health insurance covers a significant portion of the cost of rehab. AdCare Treatment Centers works with most major insurance providers and accepts patients from across Connecticut. This page explains how insurance works for addiction treatment and how to get started.

Does Insurance Cover Rehab in Connecticut?

Yes, in most cases. Health insurance plans, including those obtained through an employer, private marketplace, or state programs, are required to provide coverage for mental health and substance use disorder treatment under federal law. AdCare accepts most major insurance plans, including:

• Cigna
• Blue Cross Blue Shield
• Aetna
• Humana
• Optum/United Healthcare
• TRICARE East for active military, veterans, and their families
• Medicare
• Medicaid

If you’re unsure whether your plan covers treatment at AdCare, our admissions navigators can verify your benefits quickly and confidentially at no cost to you.

What Does Insurance Typically Cover?

Coverage varies by plan, but most insurance plans cover some combination of the following:

• Medical detox. Typically covered as a medical necessity when supervised withdrawal management is required.
• Inpatient/residential treatment. Covered under most plans, often with utilization review requirements.
• Partial Hospitalization Program (PHP). Generally covered as an intermediate level of care.
• Intensive Outpatient Program (IOP). Often covered, particularly when medically necessary.
• Outpatient treatment and counseling. Covered under most behavioral health benefits.

Your specific coverage, including deductibles, copays, and out-of-pocket maximums, will depend on your individual plan. Our team will walk through the details with you.