Does My Insurance Cover Drug Rehab at Desert Hope?

The decision to enter rehab for drug or alcohol abuse can be an intimidating one. You may know you need help but be concerned about whether you can afford it.

While it’s completely reasonable to worry about costs, rehab may be much more affordable than you realize. Often, insurance covers some or most of the cost of substance abuse treatment.

The Affordable Care Act made substance abuse treatment an “essential health benefit,” mandating that most insurance plans provide coverage for this type of care.1 How much coverage is provided will depend on the plan and whether the treatment provider is in-network or out-of-network.

How Can I Check My Insurance?

Woman handing over insurance card

Many people make the assumption that rehab will be too expensive for them and may make hasty decisions about the care they seek out. For example, they may decide to go through detox only, instead of opting for programs that provide a full range of treatments (detox, therapy, education, skills training, and more) and are more likely to result in long-term recovery.

Before making any such decisions, take some steps to see what your policy covers. You can do this in several different ways, including:

Does Desert Hope Take My Insurance?


Desert Hope is in-network with most plans utilizing Behavioral Healthcare Options (BHO). Two major partners of BHO are:

  • Health Plan of Nevada.
  • Sierra Health and Life

If you have these insurance plans, you may be covered to some extent for treatment at Desert Hope. To see if your plan uses BHO to cover substance abuse or mental health treatment, check your insurance card. BHO should be indicated somewhere on the card.

Out of Network

Desert Hope accepts most commercial insurance policies on an out-of-network basis. Depending on your policy and plan type, your insurance should still cover some of the costs even if the treatment is out-of-network. You may call us at any time to discuss in more detail your insurance policy or check your benefits using the form below.

Confidential Benefits Check

Use our free and private benefits check to verify your coverage for substance abuse treatment.

Private vs. Government-Funded Insurance

Desert Hope accepts private insurance plans. Private refers to mainly the benefits plan largely funded by employers. If you receive insurance through your employer or you are on the policy of spouse, partner or parent who gets insurance through work, you are using private insurance. However, individual plans you pay for yourself are also private. Any insurance plan that is not offered by a state or federal agency is private. Desert Hope is out-of-network with most private plans with the exception of those utilizing BHO.

Desert Hope does not accept government-funded insurance plans. This includes Medicare and Medicaid.

Coverage for Veterans

Unfortunately, military veterans are disproportionately impacted by PTSD and substance use disorders. More than 20% of veterans with PTSD develop an addiction.2 If you’re a veteran who needs help, reach out to us. You don’t have to suffer alone. Desert Hope offers specialized treatment for veterans struggling with addiction.

TriWest provides benefits for veterans seeking treatment. For questions about our veterans’ program and how you may be eligible to receive care at Desert Hope through TriWest, please call us at 702-848-6223.

Not Covered at Desert Hope? Don’t Give Up

Desert Hope is part of a broader network of treatment facilities operated by American Addiction Centers. If your insurance is not covered at Desert Hope, you may be covered at another one of our facilities. We have locations in:

  • Texas
  • Florida
  • California
  • Mississippi
  • New Jersey
  • Rhode Island

If you live in Nevada, you may only be looking into programs in the state; however, it might be a benefit to you in the long run to travel away from home for treatment. Doing so can physically remove you from triggers and the people, places, and things you associate with substance use and give you a chance to refocus on what really matters to you.

Our Admissions Navigators can help you determine whether your care will be covered at one of our facilities when you call us at 702-848-6223.

Other Options to Pay for Rehab

If you don’t have a current insurance policy, don’t give up. There are other payment options available to you, including:

  • Grants or scholarships, such as those available through the Substance Abuse and Mental Health Services Administration or other organizations. Check with your local behavioral health administration for more details.
  • Healthcare loans or healthcare credit cards to help pay for needed treatment.
  • Dipping into savings, including borrowing from some retirement programs like IRAs or 401ks.

At first, the idea of getting a loan or borrowing from an IRA may be frightening. You may think you’re destroying your future by pulling money from a retirement account. But consider the cost of not getting help now. You can always save your money again, but you won’t get a second chance to save your life.


  1. U.S. Department of Health & Human Services. (2019). Health Insurance and Mental Health Services.
  2. U.S. Department of Veterans Affairs. (2019). PTSD and Substance Abuse in Veterans.

About The Contributor

Amanda Lautieri
Amanda Lautieri

Senior Web Content Editor, American Addiction Centers

Amanda Lautieri is a Senior Web Content Editor at American Addiction Centers and an addiction content expert for Desert Hope Treatment Center. She holds a bachelor's degree and has reviewed thousands of medical articles on substance abuse and... Read More