American Family Insurance Coverage for Cocaine Addiction Treatment

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Cocaine addiction ravages lives, but prior to healthcare reform laws in 2014, insurance policies offered relatively little coverage for cocaine addiction treatment. New laws require substance abuse and mental health to be treated as one of the ten essential benefits of care. This means that insurance companies, like American Family Insurance, have to provide substance abuse treatment that matches the level of treatment provided for other medical conditions.

This is excellent news for people with a cocaine use disorder, like the many people who seek cocaine addiction treatment. In 2008, 8.1 percent of admissions to publicly funded rehab were for crack cocaine addiction and nonsmoked cocaine users made up 3.2 percent of admissions. If you are one of the hundreds of thousands of people grappling with a debilitating addiction, you know that you need to join the many, many people seeking professional drug and alcohol treatment.

Knowing you need it isn’t enough. You need to know if you can afford it. We can help. The following will address some of your questions, but generally. For specific information on your policy, give us a call. Our insurance experts can walk you through the coverage provided by your American Family Insurance policy.

Does American Family Insurance Cover Treatment for Cocaine Addiction?

There are many types of treatment, including

  • Inpatient treatment programs
  • Outpatient treatment programs
  • Detox programs
  • Aftercare programs
  • Rehabilitation services provided by a doctor or therapist

In most cases, you can get a diagnosis from your doctor and a referral for the type of treatment that seems most appropriate. If you do a lot of research you can weigh in with an informed opinion, as well. Once you pick a course of treatment, the provider will work with American Family Insurance to pre-authorize your care, meaning you can relax, knowing that your care is covered to some extent.

How Much of the Treatment’s Cost Can I Expect American Family Insurance to Cover?

Your insurance policy should approach cocaine addiction treatment coverage as it would any other medical condition, an equivalency deemed a “mental health parity” by the new health care laws. The degree to which the treatment will be covered, however, depends upon your individual policy. And, while each is different, no policy will cover 100 percent of the costs. Remember that things like co-pays, maximum daily limits, and deductibles all place some of the cost on your shoulders. By researching your policy and asking questions of experts, you can be prepared for the amount covered. Also, be aware that different programs may net a different level of coverage.

Can I Pay the Difference Between Total Cost and that Covered by My Insurance?

As mentioned previously, some of the cost will be your responsibility and you are completely welcome to cover that cost independently. For example, if your policy only covers 30 days of treatment and you feel 90 would be better, you are invited to fund days 31-90 without it having any effect on your insurance coverage.

One way to prepare for these potential costs is to contact the facility you are considering attending and working with them to determine how much of the cost is covered by your policy. If the amount left over is beyond your means, consider another course of care. Alternatively, you can fund the difference using credit cards, loans, payment plans, or financial assistance offered by the treatment provider.

Should I Choose Outpatient Care?

Unlike inpatient care, outpatient programs require you to attend various sessions at the facility and go home afterward. You do not live at the facility during your time in rehab. Your insurance policy is more likely to cover outpatient treatment, but you should review it for specifics.

Outpatient is the more readily available option. The 2013 National Survey of Substance Abuse Treatment reports 80 to 82 percent of the facilities that responded provide outpatient treatment, while only 24 to 28 percent provide non-hospital inpatient care. Hospital inpatient treatment is even more rare with only 5 to 7 percent of facilities offering it.

The high number of offerings is likely due to the convenience outpatient care provides, allowing you to continue working, sleeping in your own bed, and living your life while also receiving rehabilitation treatment. It is also a less expensive option.

Cocaine withdrawals and treatment are often quite manageable and an outpatient program may be completely sufficient for your needs. Get one step closer to finding the treatment you need and deserve.

Where do calls go?

Calls to numbers on a specific treatment center listing will be routed to that treatment center. Additional calls will also be forwarded and returned by a quality treatment center within the USA.

Calls to any general helpline (non-facility specific 1-8XX numbers) for your visit will be answered by a licensed drug and alcohol rehab facility, a paid advertiser on

All calls are private and confidential.