Does Insurance Cover Rehab at AdCare?
Yes. Health insurance is the most common way people pay for addiction treatment at AdCare. Federal law requires that insurance plans cover mental health and substance use disorder treatment.
The Affordable Care Act (ACA) lists mental health and substance use disorder services as one of ten essential health benefits that all marketplace insurance plans must cover. The Mental Health Parity and Addiction Equity Act (MHPAEA) requires that your plan cover addiction treatment at the same level as comparable medical care. You cannot be charged more for detox than for a medical hospitalization of similar intensity.
AdCare accepts most major insurance plans. When you call , the admissions team will verify your benefits, confirm in-network status, and give you a clear picture of what your plan covers before you commit to anything.
Learn more at SAMHSA’s guide to insurance and addiction treatment.
| Verify your insurance in minutes. Call AdCare 24/7 at . Free, confidential, no obligation. |
Private Insurance Accepted at AdCare
AdCare is in-network with a broad range of private insurance carriers. In-network means AdCare has a pre-negotiated rate with your insurer, which keeps your out-of-pocket costs lower than they would be with an out-of-network provider.
| Insurance Carrier |
In-Network at AdCare? |
Notes |
| Aetna |
Yes |
Covers detox, inpatient, IOP, outpatient, and MAT |
| Blue Cross Blue Shield (BCBS) |
Yes |
Coverage varies by specific BCBS plan and state |
| Cigna / Evernorth |
Yes |
Covers behavioral health and SUD services |
| Tufts Health Plan |
Yes |
Partnered with Spectrum Health Systems for SUD care |
| United Healthcare / Optum |
Yes |
Optum administers behavioral health benefits |
| Humana |
Yes |
Also administers TRICARE East Region |
| Other Private Plans |
Verify |
Most major carriers accepted; call to confirm your plan |
If your carrier is not on this list, that does not mean you are out of options. AdCare works with many additional insurance providers. Contact the admissions team to verify your specific plan.
For a full list of accepted plans, visit adcare.com/insurance/.
VA Benefits and TRICARE
VA Benefits
AdCare Rhode Island is an approved VA Community Care Provider. If you are a veteran eligible for VA healthcare and have met the requirements under the VA MISSION Act, you may be able to use your VA benefits to cover treatment at AdCare Rhode Island.
VA benefits cover a full range of addiction treatment services including medical detox, inpatient rehab, outpatient programs, and medication-assisted treatment. Veterans can also stack VA benefits with TRICARE or other insurance to minimize out-of-pocket costs.
TRICARE
AdCare Rhode Island is in-network with TRICARE East Region, administered by Humana Military. TRICARE covers addiction treatment for active-duty service members, veterans, National Guard and Reserve members, and eligible family members.
See detailed guides on using VA benefits at AdCare and using TRICARE at AdCare.
5. What If I Do Not Have Insurance?
Not having insurance does not mean you cannot get treatment at AdCare. Several options are available for people who are uninsured or underinsured.
- Payment plans: AdCare can work with you on a flexible payment arrangement based on your situation. Financing options may also be available.
- Self-pay rates: Patients paying out of pocket may be eligible for private-pay pricing. Contact the admissions team to discuss rates.
- Major credit and debit cards: AdCare accepts Visa, MasterCard, American Express, and Discover.
- State-funded programs: Both Rhode Island and Massachusetts have publicly funded addiction treatment programs for residents without coverage. SAMHSA’s treatment locator can help you find options near you.
- Sliding scale fees: Some community-based programs use sliding scale pricing based on income. The admissions team can help connect you with these options if needed.
Even if you do not have insurance today, it may be worth applying for Medicaid before starting treatment. Enrollment can sometimes be completed quickly, and eligibility in Rhode Island or Massachusetts may cover a larger portion of your care than you expect.
Visit HealthSource RI or the Massachusetts Health Connector to check your eligibility.
| No insurance? No problem. Call AdCare at and we will walk you through every option available to you. |
Understanding Your Out-of-Pocket Costs
Even with good insurance, you may have some out-of-pocket costs. Here is what those terms mean and how they affect what you pay:
| Cost Term |
What It Means |
Tips |
| Deductible |
Amount you pay before insurance starts covering costs. |
Once met, your share of remaining costs drops significantly. |
| Copay |
Flat fee per service visit (e.g., $30 per session). |
Often waived or minimal for in-network providers. |
| Coinsurance |
Your percentage share of costs after the deductible. |
Typically 10-30%. In-network keeps this lower. |
| Out-of-Pocket Maximum |
The most you will pay in a year. After this, insurance covers 100% of covered care. |
Longer treatment may exhaust this limit, meaning treatment becomes fully covered. |
| Prior Authorization |
Insurer approval required before certain services begin. |
AdCare handles this for in-network patients. You do not have to navigate it alone. |
Because of the Mental Health Parity Act, your cost-sharing for addiction treatment should be comparable to your cost-sharing for medical care. If your insurer is charging more for addiction treatment than for comparable medical services, that may be a parity violation.
How to Verify Your Coverage
The fastest way to know what you are covered for is to let AdCare check for you. The process takes minutes and costs nothing.
- Call AdCare at any time, day or night. An admissions navigator will contact your insurer on your behalf.
- Fill out the online benefits verification form at adcare.com. You will receive your results by email promptly.
- Call the member services number on the back of your insurance card and ask specifically about in-network inpatient rehabilitation and outpatient behavioral health coverage.
- Log into your insurance member portal. Most carriers have online tools to check benefits and find in-network providers.
When verifying, ask your insurer these specific questions: Is AdCare in-network? What is my deductible for behavioral health services? What is my copay or coinsurance for inpatient rehab and outpatient treatment? Is prior authorization required?
How Much Does Rehab Cost at AdCare?
Treatment costs at AdCare vary based on the level of care, the length of stay, and your insurance coverage. There is no single flat price because care is individualized.
General factors that affect cost include:
- Level of care: Medical detox and inpatient residential are higher-cost than outpatient or IOP.
- Length of treatment: A 30-day stay costs less than a 60- or 90-day stay. However, longer treatment has significantly better outcomes.
- Insurance coverage: In-network coverage dramatically reduces cost. Medicaid may eliminate it entirely for eligible patients.
- Out-of-pocket status: Self-pay patients can discuss private-pay pricing directly with the admissions team.
The best way to get a real number is to call . The admissions team will verify your benefits and give you a clear cost estimate before you make any decisions.
The AdCare Sobriety Guarantee
AdCare stands behind its care with a commitment that is rare in the industry. If you successfully complete AdCare’s 90-day program and experience a relapse at any time after treatment, American Addiction Centers will provide up to 30 consecutive days of additional treatment at no additional cost.
Terms and conditions apply and results vary, but this guarantee reflects the depth of AdCare’s commitment to your long-term recovery, not just your completion of a program.
Learn more about the sobriety guarantee at adcare.com/about/.
