Does Health Insurance Cover Drug Rehab? 
Yes . The benefits under each plan varies by company and metal level -LRB- bronze , silver , gold , and platinum - there 's also a catastrophic plan available to individuals under age 30 -RRB- . However , every plan has a set of 10 essential health benefits that they must meet , but carriers have the option to offer coverage above and beyond the essential benefits -LRB- the metal level is the big indicator on that -RRB- . The essential health benefits that every plan must meet are : 1 -RRB- Ambulatory Patient Services Health care services without being admitted to a hospital -LRB- e.g. visiting a doctors office or a clinic , home health services , and hospice care some plans may limit home health and hospice care benefits to no more than 45 days -RRB- . 2 -RRB- Emergency Services Care of conditions requiring immediate treatment -LRB- typically at an emergency room -RRB- , including ambulance transportation . You also cant be penalized for going to an out-of-network hospital . 3 -RRB- Hospitalization Care provided during a hospital visit , including services provided by doctors , nurses , and other hospital staff , medical tests , medications given during your stay , as well as room and board . Care received in a skilled nursing facility is also included in hospitalization coverage -LRB- note : some plans limit skilled nursing facility benefits to no more than 45 days -RRB- . 4 -RRB- Laboratory Services Tests a doctor completes to help diagnose an injury , illness , or other medical condition , or to monitor the progress of a treatment . Some preventative screenings may be fully covered . 5 -RRB- Maternity and Newborn Care Care women receive during pregnancy , including prenatal care , in labor , delivery and post-delivery , and care for newborn babies . 6 -RRB- Mental Health Services and Addiction Treatment Inpatient and Outpatient care that evaluates , diagnoses , and treats mental health conditions and substance abuse disorders -LRB- some plans may limit coverage to 20 days per year -RRB- . 7 -RRB- Rehabilitative Services & Devices Rehabilitative and habilitative services and devices to help regain mental and physical skills that were lost due to injury , disability , or a chronic condition . Each plan has to provide 30 visits per year for physical or occupational therapy , speech therapy , cardiac or pulmonary rehabilitation , and chiropractor visits . 8 -RRB- Pediatric Services Care provided to children , including vaccines and immunizations . For children under the age of 19 , dental and vision care must be offered this includes two routine dental exams , an eye exam and corrective lenses each year . 9 -RRB- Prescription Drugs Medications prescribed by a doctor to treat a medical condition or illness . At least one prescription drug must be covered in each category and classification . 10 -RRB- Preventive and Wellness Services and Chronic Disease Treatment care includes physicals , immunizations , and certain types of screenings designed to prevent or detect certain medical conditions as well as care for chronic conditions such as diabetes and asthma . 