Insurance and Payment
Understanding Insurance and Costs
Compassionate care should never be out of reach. BHG accepts Medicaid, Medicare, most commercial plans, grant funding where available, and offers flexible self-pay plans, making evidence-based care accessible to those we serve.
How Does Insurance Work for Opioid Addiction Treatment?
Finding treatment can feel overwhelming and understanding how to pay for it can add stress. The good news: most health insurance plans—including Medicaid, Medicare and many commercial plans—cover evidence-based addiction treatment such as medications, counseling and recovery support.
Find Insurance in Your State
Coverage details can differ by state and treatment center. Select your state below and see which insurance plans are accepted where you live. Note that MA is for Medicare Advantage plans.
Alabama
- Aetna
- TRICARE
- United Healthcare / Optum
- Medicare Part B
- Medicaid
- Medicaid Alabama Medicaid
- MA Aetna
- MA BCBS Alabama
- MA Humana
- MA United Healthcare / Optum
- MA Vina Health
Arkansas
- Aetna
- Ambetter
- BCBS
- Humana
- QualChoice
- Tricare East
- United Healthcare / Optum
- VA Benefits
- Wellcare
- Medicare Parts A and B
- Medicaid
- Medicaid Arkansas Medicaid
- MA Aetna
- MA Allwell
- MA Ambetter
- MA BCBS Medipak
- MA Cigna
- MA Humana
- MA United Healthcare / Optum
Colorado
- Aetna
- Allsavers
- Anthem BCBS
- Humana
- Kaiser Permanente
- TRICARE West
- United Healthcare / Optum
- Medicare Parts A and B
- Medicaid CCHA/Anthem Blue Shield of CO
- Medicaid Colorado Medicaid Access
- Medicaid Colorado Access
- Medicaid Health Colorado
- Medicaid Kaiser
- Medicaid Northeast Health Partners
- Medicaid Rocky Mountain Health Plan
- MA Aetna
- MA Anthem BCBS of CO
- MA Humana
- MA Kaiser Permanente
- MA United Healthcare / Optum
- MA UHC Community Dual
Georgia
- Aetna
- Allsavers
- Anthem
- Humana
- TriCare East
- United Healthcare / Optum
- UMR
- Medicare Parts A and B
- Medicaid
- Medicaid CareSource
- Medicaid Georgia Medicaid
- Medicaid Peach State Health Plan
- MA Aetna
- MA Anthem
- MA Humana
- MA United Healthcare / Optum
Idaho
- Aetna
- Regence Blue Shield
- United Healthcare / Optum
- Medicare Parts A and B
- Medicaid
- Medicaid United Healthcare / Optum
- MA Aetna
- MA Regence Blue Shield
- MA United Healthcare / Optum
Indiana
- Aetna
- United Healthcare / Optum
- Medicare Parts A and B
- Medicaid
- Medicaid Anthem
- Medicaid CareSource
- Medicaid MDWise
- Medicaid FFS
- Medicaid MHS
- Medicaid United Healthcare / Optum
- MA Aetna
- MA United Healthcare / Optum
Iowa
- Aetna
- United Healthcare / Optum
- Wellmark
- Medicare Parts A and B
- Medicaid
- Medicaid AmeriGroup
- Medicaid FFS
- Medicaid Iowa Total Care
- MA Aetna
- MA United Healthcare / Optum
Kansas
- Aetna
- Allsavers via Optum
- Ambetter Sunflower Health
- Blue Cross Blue Shield
- Humana
- Naphcare
- New Directions BCBS
- United Healthcare / Optum
- Medicare Part B
- Medicare Railroad
- Medicaid
- Medicaid Aetna Better Health
- Medicaid Sunflower Health
- Medicaid UBH Kansas Medicaid
- MA Aetna
- MA Allwell
- MA Humana
- MA Medica
- MA United Healthcare / Optum
Kentucky
- Aetna
- Anthem
- Humana
- United Healthcare / Optum
- Wellcare
- Medicare Parts A and B
- Medicaid Humana
- Medicaid Passport
- Medicaid Wellcare
- Medicaid Aetna
- Medicaid BCBS
- Medicaid Humana
- Medicaid Passport by Molina
- Medicaid United Healthcare Community
- Medicaid Wellcare
- MA Aetna
- MA Anthem
- MA Humana
- MA United Healthcare / Optum
- MA Wellcare
Louisiana
- Aetna
- Humana
- UnitedHealthcare / Optum
- UnitedHealthcare Community Plan / Optum
- UnitedHealthcare Medicare Advantage / Optum
- Tricare West
- VACCN Optum
- Medicare
- Medicaid
- Medicaid Aetna Better Health
- Medicaid AmeriHealth Caritas
- Medicaid Healthy Blue
- Medicaid LA Healthcare Community
- Medicaid United Healthcare Community
- MA Aetna
- MA Humana
- MA Peoples Health
- MA United Healthcare / Optum
Maryland
- Aetna
- Medicare
Michigan
- Aetna
- BCBS of Michigan
- BCN Blue Care Network (HMO)
- Humana
- Meritain
- Optum / United Healthcare
- Medicare
- Medicaid
- Medicare Health Alliance
- Medicaid plans accepted through MSHN
- Medicaid plans accepted through NMRE
- MA Aetna
- MA BCN Blue Care Network
- MA Blue Care Network (HMO)
- MA Humana
- MA United Healthcare
Minnesota
- Aetna
- Blue Cross Blue Shield
- Cigna
- HealthPartners
- Medica
- PreferredOne
- UCare
- United Healthcare / Optum
- UMR
- Medicare
- Medicaid BCBS
- Medicaid Healthpartners
- Medicaid Medical Assistance (MA)
- Medicaid Medica
- Medicaid Ucare
- Medicaid United Healthcare / Optum
- MA Aetna
- MA BCBS
- MA Healthpartners
- MA Humana
- MA Medica
- MA Ucare
- MA United Healthcare / Optum
Missouri
- Aetna
- Ambetter MO Marketplace
- All Savers via Optum
- BCBS KC / New Directions (KCMO only)
- Humana
- Medica
- Naphcare
- TRICARE
- United Healthcare / Optum
- Medicare
- Medicare Railroad
- Medicaid / CSTAR
- Medicaid Healthy Blue / Anthem
- Medicaid Home State Health
- Medicaid United Healthcare / Optum
- MA Aetna
- MA Allwell
- MA Anthem BCBS
- MA Humana
- MA United Healthcare / Optum
- MA Wellcare
Nevada
- Aetna
- Ambetter
- Behavioral Health Care Options (BHO)
- United Healthcare/Optima
- Medicare
- Medicaid
- Medicaid Anthem
- Medicaid FFS
- Medicaid HPN
- Medicaid Molina
- Medicaid Silver Summit
- MA Aetna
- MA Allwell
- MA United Healthcare/Optum
North Carolina
- Aetna
- Blue Cross Blue Shield of North Carolina
- Humana
- United Healthcare/Optum
- Medicare
- Medicare Railroad
- Medicare WellCare
- Medicaid
- Medicaid HealthyBlue
- Medicaid United Healthcare Community
- Medicaid AmeriHealth Caritas
- Medicaid Wellcare
- MA Aetna
- MA Anthem / BCBS North Carolina
- MA Humana
- MA United Healthcare/Optum
Rhode Island
- Aetna
- Blue Cross Blue Shield
- BMC
- Humana
- NHP
- Tufts
- United Healthcare/Optum
- Medicaid
- Medicaid BMC
- Medicaid CT Husky
- Medicaid CT Medicaid
- Medicaid RI Medicaid
- Medicaid NHP
- Medicaid TUFTS
- Medicaid United Healthcare/Optum
- Medicare
- MA Aetna
- MA BCBS
- MA NHP
- MA TUFTS
- MA United Healthcare/Optum
- MA Wellcare
South Carolina
- Aetna
- BCBS
- Humana
- Molina
- United Healthcare/Optum
- Medicare
- Medicare Railroad
- Medicaid Absolute Total Care
- Medicaid First Choice
- Medicaid HealthyBlue
- Medicaid Molina
- Medicaid Select Health
- Medicaid Wellcare
- MA Aetna
- MA BCBS South Carolina
- MA Humana
- MA Molina
- MA United Healthcare/Optum
Tennessee
- Aetna
- AllSavers
- Amerivantage Dual
- Blue Cross Blue Shield
- Cigna
- Cigna Healthsprings
- Humana
- Medicaid BlueCare
- Medicaid Amerigroup
- Medicaid TennCare Managed Care Organizations
- Medicaid United Healthcare Community Plan
- Medicare
- Optum
- United Healthcare/Optum
- UMR
Virginia
- Aetna
- Anthem BCBS
- United Healthcare/Optum
- Medicare
- Medicaid
- Medicaid Aetna Better Health
- Medicaid Anthem HealthKeepers
- Medicaid Molina Complete Care
- Medicaid Optima
- Medicaid United Healthcare
- Medicaid Virginia Premier
- MA Aetna
- MA Anthem
- MA Humana
- MA United Healthcare/Optum
Washington DC
- Aetna
- Humana
- Kaiser
- United Healthcare / Optum
- Medicare Parts A and B
- Medicaid
- Medicare Railroad
- Medicaid DC
- Medicaid Kaiser (MD and VA residents only)
- MA Aetna
- MA Humana
- MA United Healthcare / Optum
Cost and Payment Expectations for OUD Treatment
The cost of treatment depends on your insurance plan, the services you need and the length of care, but you’ll always know what to expect up front.
- With Insurance: Many patients pay little or no out-of-pocket costs once deductibles are met.
- Without Insurance: BHG offers flexible self-pay plans and, in many states, grant funding to help cover treatment.
- Before Treatment Begins: Our Patient Financial Counselors will review your benefits, outline any fees and set up a payment plan if needed.
Because BHG provides care through an outpatient model, treatment often costs less than inpatient programs — without compromising the quality or effectiveness of care.
What Insurance Often Covers for OUD Treatment
Many health insurance plans — including Medicaid, Medicare and commercial carriers — may help cover treatment for opioid use disorder. Coverage can vary, but often includes:
- FDA-approved medications such as methadone, buprenorphine or naltrexone
- Counseling and behavioral therapies
- Lab work, assessments and ongoing care
Your specific benefits and any co-pays or deductibles depend on your plan and location. BHG’s staff can review your coverage with you and explain exactly what services are included before treatment begins.
Insurance changes? We can help.
Your recovery matters, and changes in coverage should not stand in the way of getting treatment. We can help you understand how insurance changes—such new Medicaid rules and changes to commercial or ACA Marketplace plans—could affect your out-of-pocket expenses. Together, we can find the best option for your situation.
Start My Recovery Journey
What insurance options are available for addiction treatment?
BHG accepts Medicaid, Medicare, most commercial insurance plans, self-pay options and grant funding where available. Coverage varies by state and treatment center.
Patients are encouraged to confirm benefits with their local center, use the interactive insurance finder or call 844-535-7291. Our staff can explain coverage options and help you understand costs before starting treatment.
How does insurance typically cover treatment at BHG?
Most insurance plans, including Medicaid, Medicare and many commercial carriers, cover outpatient addiction treatment as a bundled service rather than by individual line item. This means your plan may provide a set daily or weekly rate that includes medications, counseling and recovery support.
Our Patient Financial Counselors can explain how your specific plan works and what costs, if any, you can expect before starting care.
Will I have out-of-pocket costs for addiction treatment?
Out-of-pocket costs depend on your specific insurance plan. You can start by using our online insurance lookup tool to see if your plan is accepted. From there, BHG’s staff can review your coverage in detail, explain any costs such as deductibles or co-pays and walk you through your options before treatment begins.
Does BHG accept Medicaid and Medicare?
Yes. BHG accepts most state Medicaid plans and Medicare Part B, which typically covers treatment for opioid addiction at 100% after the Part B deductible. Many Medicare Advantage (Part C) plans also cover treatment.
Can I start treatment if I don’t have insurance?
Absolutely. BHG offers flexible self-pay plans and, in many states, grant funding to help patients start recovery even without insurance.
How do I verify my insurance coverage?
You can start by using our online insurance lookup tool to see if your plan may cover treatment. From there, BHG’s staff can verify your specific benefits, review any co-pays or deductibles and help schedule your first appointment—often the same or next day.