Medically Reviewed

Does Insurance Pay for Rehab in Tennessee?

- 6 sections

Medically Reviewed: September 25, 2019

Medical Reviewer

Chief Editor


All of the information on this page has been reviewed and verified by a certified addiction professional.

Addiction is a chronic and progressive disease that requires extensive treatment and maintenance to recover from. In other words, you must receive support from a professional rehab program to maintain long-term recovery.

While treatment is vital to success, many people avoid going. According to the National Institutes of Health (NIH), even though 10% of people experience addiction, 75% of them never receive the help they need.[1]

Many people do not attend treatment because they are worried about the financial aspect. Drug and alcohol rehab can be costly, however, insurance companies are required to pay for some type of substance abuse treatment under the Affordable Care Act (ACA).

If you wonder whether insurance pays for rehab in Tennessee, the short answer is yes. With that being said, your insurance company can decide which programs it covers and how much money you are allotted for treatment. As a result, you should always contact your provider to ensure they cover a program before you enroll.

Does Health Insurance Cover Drug and Alcohol Rehab in Tennessee?

Thankfully, health insurance does cover drug and alcohol rehab in Tennessee. The Affordable Care Act (ACA) classifies substance use disorders as one of the essential health care benefits, so your insurance policy is required to cover some form of treatment.[2]

It is important to note that the amount of coverage your health insurance provides will vary depending on the specifics of your policy. This means your insurance might cover the full cost of treatment or a partial amount. In other words, the out-of-pocket costs you are responsible for will depend on the policy you choose.

You should always contact your insurance to find out how much treatment they will cover, what types of programs they pay for, and how long you can afford to stay in a program.

How to Find Out if a Rehab Program in Tennessee Accepts Your Insurance

Most insurance policies work with specific rehab programs to provide coverage. When a facility is “in-network” this means your health insurance covers at least a portion of the costs. In other words, you should always choose an in-network addiction treatment program if you are hoping to receive coverage.

Contact Your Provider

The easiest way to find drug and alcohol rehab in Tennessee that is covered by your insurance is to contact your provider. For example, if you have Blue Cross Blue Shield, you would call them to ask for a list of in-network addiction treatment programs. Then, they will provide you with a list of all of the facilities in Tennessee that they will pay for.

Additionally, you can ask them how much coverage they will provide. This will give you a good idea of how long you can stay in treatment and what out-of-pocket expenses to expect.

Reach Out to the Facility

If you already have specific facilities in mind, you can contact them to ask what insurance they accept. More often than not, addiction treatment programs in Tennessee accept a wide range of insurance plans to provide support to as many individuals as possible.

Typically, when you call a rehab facility you can give them your insurance policy number and they can look it up in their system to confirm that you have coverage. Once this is completed, you can work on getting enrolled in their program.

How Do You Pay for Rehab Without Insurance?

While insurance pays for rehab in Tennessee, you might not have health insurance set up. If this is the case, there are other ways to pay for treatment. Your first option is to pay the full cost out-of-pocket, however, this can be too expensive for many people.

If you do not have health insurance and cannot afford to pay the full cost of treatment, consider the following:

  • Crowdsource the cost of treatment
  • Ask for help from family members
  • Take out a personal loan
  • Look for a state-funded treatment center that provides scholarships or free services
  • Dip into your savings
  • Find a rehab program that offers payment plans like sliding scale fees

While drug and alcohol rehab in Tennessee can be expensive, it is worth it in the long run. Addiction can lead to a variety of physical health concerns, financial emergencies, and even life-threatening overdoses. Paying for treatment will increase your chances of obtaining long-lasting sobriety.

Get Connected to a Top-Rated Drug and Alcohol Rehab Program in Tennessee

If you or a loved one suffers from alcoholism or drug addiction, it’s time to seek help. Whether you are paying for rehab with insurance or out-of-pocket, PAX Memphis can help you find a facility that meets your needs.

To learn more about how we can connect you with highly-rated addiction rehab in Tennessee, contact us today.


  1. The National Institutes of Health (NIH): 10 percent of US adults have drug use disorder at some point in their lives, Retrieved December 2023 From
  2. The Office of National Drug Control Policy: Substance Abuse and the Affordable Care Act, Retrieved December 2023 From