Is Rehab at Oxford Treatment Center Covered by My Insurance?

Making the choice to get treatment for a substance use disorder is not an easy one. It’s hard enough to admit that you may have a problem with drugs or alcohol, but then you have to think about the cost of the facility you choose to attend.

It’s smart to consider the costs before choosing a treatment facility, but we have some good news: that’s a good chance that treatment for substance use disorders is often more affordable than you think.

For many, health insurance can cover some, if not most, of the amount of addiction treatment. This is because under the Affordable Care Act, treatment for substance abuse became what is known as an “essential health benefit,” meaning that a majority of insurance plans needed to provide coverage for addiction treatment.1

Does My Insurance Cover Rehab?

We take a few different insurance plans, including Blue Cross & Blue Shield of Mississippi, Zelis Insurance, and ComPsych Corporation.

We suggest you look into what your health insurance policy covers when it comes to addiction treatment. There are a few different ways you can do this, such as:

  • Contacting your insurance carrier via the phone number on your insurance card.
  • Reaching out to our Admissions Navigators via .

When you first signed up for your health insurance, you most likely received a packet including a synopsis of your policy’s benefits—we recommend checking that for details as well.

Some people, instead of going through a full continuum of care that could include detox, inpatient treatment, education on addiction, and more, some people settle for only detox. Attending and staying in treatment for a longer period of time can make the difference between continued sobriety and relapse for some. If you have a substance abuse disorder, treatment is an incredibly important stage of your recovery. But because many people expect rehab to be expensive and out of reach, they may make compromises on the type of care they seek out.

Instead of assuming you cannot afford a full range of treatment, check with your plan first.

Oxford Accepts Zelis Healthcare

When you have an in-network plan—and depending on your plan deductible/co-pays—your insurance could pay for some, or all, of your care at Oxford.

And more good news: Oxford Treatment Center is now in-network with Zelis Healthcare and many of its regional brands. If you have PPOPlus, HFN, Stratose, 4MOST, or 4COMP health insurance plans, there’s a good chance that at least part of your treatment will be covered.

This could include treatment options such as:

  • Detox.
  • Residential treatment.
  • Partial hospitalization.
  • Intensive outpatient treatment.
  • Outpatient treatment.

Read on to learn about how other types of insurance works at Oxford Treatment Center.

Out of Network

The amount of cost your health insurance covers will depend on whether you go to a treatment facility that is in-network—like Zelis is with Oxford—or out-of-network.

It’s likely that even if your insurance is not in-network with Oxford Treatment Center that we still accept your policy on an out-of-network basis. If this is the case, your health insurance treatment should still be covered in some capacity. Feel free to reach out to us at to get more details about what may be covered if you have out-of-network insurance.

What Do I Do if My Insurance Doesn’t Cover Treatment at Oxford?

If you don’t have Zelis Healthcare, or another type of insurance that is not accepted at Oxford, fear not. Oxford Treatment Center is one of many treatment facilities across the U.S. owned and operated by our parent company, American Addiction Centers.

If you’re not covered here, there’s a chance you’re covered at another facility of ours: our admissions Navigators can clear that up for you at . Our other facilities are located in:

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

It makes sense to consider rehabilitation programs in Mississippi if this is where you live. There are some benefits for travelling for treatment though: by getting far away from the places that you use drugs or alcohol, you’re removing yourself from the people, locations, and other triggers that may be in-part driving your substance abuse.

There’s a lot that goes into deciding what treatment facility is right for you, though, so consider carefully when making your decision.

How to Pay for Rehab Without Health Insurance

Treatment still isn’t out of reach, even if you don’t have health insurance currently. We recommend looking into other payment options, which can include:

  • Grants or scholarships for substance use treatment. Organizations like the Substance Abuse and Mental Health Services Administration offer funding opportunities like this for substance use disorders and mental illness. The behavioral health administration in your area should be able to answer your questions and provide details on this.
  • Loans or credit cards that are specifically for healthcare.
  • Borrowing money from your retirement accounts, like a 401k or IRA.

For many Americans, it seems counterintuitive to apply for a loan or borrow against your 401k for treatment. You may think that in doing so, you’re setting yourself up for financial hardships in the future. But the point of having a 401k plan is to reach retirement age—and substance abuse may get in the way of getting here.

Don’t let it. Reach out to us today to find out your best options for recovery.

Below, you can verify your insurance benefits.

Verification of Benefits



  1. S. Department of Health & Human Services. (2019). Health Insurance and Mental Health Services.
  2. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: a research-based guide (third edition).