There are 10 primary health benefits that insurance plans must offer coverage for under Obamacare. The ACA provides guidelines for the minimal essential coverage for these 10 essential benefits. One of these essential benefits is coverage for the treatment of substance abuse.Insurance companies must offer some level of substance abuse treatment in their policies, although there can be quite a bit of variability in how much of the cost of treatment is covered by each particular plan. Under Obamacare, the majority of available plans only provide partial coverage.