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Written by Dr. Edward Pearson, MD, ABIHM | Medically Reviewed by Dr. Edward Pearson, MD, ABIHM, Medical Director
For most people, yes, insurance covers rehab. We verify your benefits at no cost, typically within a few hours. Call (856) 485-9814 and let us handle the paperwork.
One of the most common questions we hear from families and individuals reaching out for help is: Will my insurance actually pay for this? It’s a fair question and the honest answer is that for most people, yes, insurance does cover rehab. What varies is how much, at which level of care, and for how long.
The Mental Health Parity and Addiction Equity Act (MHPAEA), a federal law, that requires that most insurance plans cover substance use disorder treatment on equal terms with other medical conditions (SAMHSA, 2023). This means your insurer cannot arbitrarily deny rehab coverage or impose stricter limits on addiction treatment than they would for a broken leg or cancer care.
In practice, here’s what this law means for you:
Research consistently shows that expanding insurance access to addiction treatment leads to better health outcomes across populations (NIDA, 2021). Coverage depends heavily on a variety of things such as: your specific plan, your deductible, out-of-pocket maximum, and whether a facility is in-network. That’s exactly why verification matters and why we do it for you, at no cost, before you ever need to worry about a bill.
Before you worry about costs, learn what to expect during the admissions process which we’ve made as straightforward as possible.
At Maplewood Treatment Solutions in Merchantville, NJ, we work with most major insurance carriers. Our admissions team verifies benefits at no cost to you, typically within a few hours. You shouldn’t have to spend days on hold with your insurance company while a crisis is happening in your family. We handle that part.
When you contact our admissions team, we’ll ask for your insurance card and a few basic details. From there, we do the heavy lifting:
This process usually takes 1-2 hours. In urgent situations, we can often expedite it. Call (856) 485-9814 and we’ll get started immediately.
We are in-network or accept out-of-network benefits from a wide range of insurers, including:
If you don’t see your plan listed, call us anyway at (856) 485-9814. Plans change frequently and we may still be able to work with your coverage. We help you understand your out-of-network options.
If Maplewood is in-network with your plan, your costs are typically lower because your insurer has a negotiated rate with us. You’ll pay your standard deductible and coinsurance.
If we’re out-of-network, your plan may still reimburse a portion of treatment costs, though your out-of-pocket share may be higher. Many people don’t realize they have out-of-network benefits, it’s worth verifying before assuming you have no coverage.
For programs like our residential treatment program or our fentanyl withdrawal management program, pre-authorization is sometime required but not to stress, our team handles this before your admission date so there’s no delay in getting you into care.
If your plan has a gap in coverage or a high deductible, you still have options. Maplewood offers self-pay rates and has options for third-party financing. We believe cost should never be the reason someone doesn’t get help and our admissions counselors are trained to problem-solve alongside you.
According to the Substance Abuse and Mental Health Services Administration, cost is one of the most commonly cited barriers to people seeking treatment, yet state and federal funding programs exist to help bridge that gap (SAMHSA, 2022). New Jersey also has state-funded treatment resources for those who qualify, and our team can help connect you with those programs if private insurance isn’t an option.
Alcohol use disorder is one of the most common, and most treatable, conditions we see at Maplewood. Insurance coverage for alcohol rehab in New Jersey follows the same rules as other substance use treatment: if your plan covers behavioral health, it must cover alcohol treatment on equal terms.
Medically supervised alcohol withdrawal management is particularly important to cover correctly, since alcohol withdrawal can be medically dangerous. In severe cases causing seizures or life-threatening delirium tremens (NIDA, 2023). Most insurance plans recognize this and cover medically supervised withdrawal care as a medical necessity. Our clinical team coordinates directly with your insurer to document this need.
You’re already dealing with enough. Let us take insurance off your plate. We verify benefits 7 days a week and get answers fast — so the only thing you have to do is make the call.
Length of coverage depends on medical necessity and justification of your disorder. Most plans start with an authorization for a set number of days and conduct ongoing reviews. Our clinical team documents your progress and advocates, as if you were family, for your continued care as long as it’s medically appropriate.
Prior authorization (PA) is approval from your insurance company before treatment begins. For residential rehab, it’s almost always required. Maplewood submits all necessary PA paperwork on your behalf if required, so that you don’t need to handle this yourself during stressful times.
While Maplewood does not accept Medicaid, we understand that finding the right care is what matters most. We can help point you in the right direction. We included a link that you can visit here FindTreatment.gov to search for programs near you that accept Medicaid and state-funded options.
Federal regulations under 42 CFR Part 2 provide especially strong confidentiality protections for substance use disorder treatment records, even stronger than standard HIPAA (SAMHSA, 2023). We cannot disclose treatment details beyond what is necessary for billing. To learn more, visit our what to expect in rehab page, which covers confidentiality in detail.
Call us to speak with an admissions counselor. We verify benefits 7 days a week. Or visit our admissions page to submit your information online and we’ll call you back promptly.
Want to know more before you call? Read our guide on what to bring to rehab and meet our licensed clinical team who will be supporting your recovery from day one.
Maplewood Treatment Solutions | 214 W Maple Ave, Merchantville, NJ 08109
Compassionate, evidence-based addiction treatment — right here in South Jersey.
