Paying for Rehab in Memphis TN with Health Insurance

Rehab can be an essential, yet expensive, first step in leading a healthy, sober life. The cost of treatment will vary depending on what health insurance plan you have, but paying for rehab with health insurance can help mitigate the toll that addiction treatment can take on your wallet. Most insurance plans consist of payments through copays, coinsurance, premiums, or deductibles.

Like any physical health issue, mental health issues require insurance coverage. As addiction is increasingly accepted as a disease, more and more insurance providers have become willing to cover services in the addiction treatment field. At PAX Memphis, we understand the importance of extending addiction treatment coverage to all those who need it. We have partnered with multiple insurance companies with the intent to help as many individuals as possible to attain excellent drug and alcohol rehab care.


PAX Memphis Accepts

  • Aetna Health Insurance
  • Assurant Health
  • Blue Cross Blue Shield
  • Cigna Health Insurance
  • Healthnet
  • Humana
  • ValueOptions Behavioral Healthcare
  • UPMC Health Plan


Memphis Health Insurance Providers

Using a health insurance provider can help make addiction treatment more affordable as they collect periodic payments and cover various amounts of costs that may amount from healthcare. At PAX Memphis Recovery Center, we work with nearly all of the major healthcare providers in the nation.

Aetna Health Insurance

Aetna provides health insurance coverage to individuals and employers in Memphis, TN. They offer coverage for a wide variety of mental and behavioral health services, such as detox services, inpatient treatment, residential treatment in Memphis, partial hospitalization, and intensive outpatient treatment. In order to help individuals mitigate costs of treatment and promote long term sobriety, Aetna also extends coverage to continuing care programs.

Assurant Health

Assurant Health covers individuals and families through a variety of different insurance options. Assurant’s One Deductible plan partially covers rehab services including detox, residential treatment, intensive outpatient care, counseling, and psychotherapy in Memphis, but individuals may be responsible for paying the deductible and certain amounts of coinsurance.

Blue Cross Blue Shield

Blue Cross Blue Shield covers roughly 33% of Americans and their policies provide many benefits to help with costs of addiction treatment in Memphis, TN. Since there are several different plans offered with Blue Cross Blue Shield, such as bronze, silver, gold, and platinum, the cost of addiction treatment will vary greatly depending on the type of plan and whether it is an HMO or PPO plan. However, Blue Cross Blue Shield commonly covers costs associated with inpatient treatment, residential treatment, detox services, outpatient treatment, and partial hospitalization in Memphis.

Cigna Health Insurance

Cigna provides health insurance to employers and organizations that cover mental health and addiction treatment in Memphis, TN. Cigna provides comprehensive care to promote the integration between mental health and physical health in order to support a customer’s best outcome. Rehab coverage is available for in-network and out-of-network plans under their behavioral health plan. Rehab insurance coverage with Cigna includes residential treatment, group therapy, counseling, and additional medical care that may be acquired through rehab.


Healthnet is widely known for providing excellent coverage for both outpatient and inpatient addiction treatment in Tennessee. While costs will depend on the specific policy each person has, Healthnet covers treatment for varying durations of care, from as little as 28 days to as many as 90 days. By offering this type of flexibility, customers with Healthnet can rest assured that they will receive the best care possible at PAX Memphis. They provide coverage for everything from partial hospitalization to residential treatment, crisis intervention, intensive outpatient, and aftercare.


Humana insurance is one of the most popular insurance companies in Memphis, TN who offers a variety of plans including individual coverage and group coverage. Treatment options that are frequently covered by Humana HMO plans include inpatient and outpatient detox, inpatient and outpatient rehab, and prescription medications that can aid in addiction recovery.

ValueOptions Behavioral Healthcare

ValueOptions Behavioral Healthcare offers its policyholders benefits for mental health and drug or alcohol addiction treatment. Since they specialize in behavioral health, ValueOptions maintains a staff to help optimize coverage associated with addiction treatment and mental health services. While ValueOptions usually requires treatment center to be in-network and frequently partners with other insurance providers, they typically cover an array of addiction treatment options for Tennessee residents.

UPMC Health Plan

UPMC Health Plan offers HMO, PPO, and EPO plans. Depending on which type of plan a customer has, insurance coverage for addiction treatment in Memphis, TN will vary. For in-network facilities, such as PAX Memphis, both inpatient and outpatient detox and addiction treatment have coverage benefits. In addition, they provide coverage for individual therapy, group counseling, mental health treatment, and family therapy for substance abuse. UPMC also offers several types of spending accounts to help patients pay for drug or alcohol addiction treatment in Tennessee.

Using Insurance to Pay for Rehab at PAX Memphis Recovery Center

Facing drug or alcohol addiction can be overwhelming, and navigating through insurance policies can be even more tiring and confusing. Our staff at PAX Memphis Recovery Center in Memphis, TN can help you determine what your insurance provider will cover and what costs may be acquired when seeking drug or alcohol treatment.

Our addiction specialists understand that the high cost of addiction treatment is an influential factor in whether or not a person seeks treatment. However, by partnering with a wide variety of different insurance providers, we aim to help our clients pay for the life-saving drug and alcohol treatment services that they need. Becoming educated on what your plan offers is beneficial, but talking to our staff at PAX Memphis can help you better understand your treatment needs and help you determine the potential cost of rehab. If you or a loved one is looking for help with addiction, contact our addiction specialists today to verify your insurance and discuss paying for treatment.

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