Today many individual and group insurance policies do cover substance abuse treatment, usually as part of their mental or behavioral health services. However, there are certain limitations that may apply: The policy may only cover certain levels of care (for example, detox and outpatient services may be covered, but not inpatient treatment). The policy may cover only certain types of facilities, such as dedicated detox centers, hospitals or outpatient clinics. The policy may only cover services for a certain period of time (a policy may be limited to 30, 60, 90 or 120 days of treatment). The policy may limit treatment to a certain number of days per year or per lifetime. The policy may cover only rehab facilities in its authorized provider network (if you go to an out-of-network provider, you may be charged a higher copayment or the services may not be covered at all). The extent of your coverage will depend not just on your insurance company, but on your policy itself. The most accurate way to determine exactly what your insurance will cover is to review your policy manual or to call the provider directly. The extent of your coverage will depend not just on your insurance company, but on your policy itself. The most accurate way to determine exactly what your insurance will cover is to review your policy manual or to call the provider directly.