Paying for treatment is a common concern for individuals and families seeking help for polydrug addiction, but many people are surprised to learn that addiction treatment is widely covered by insurance in New Jersey. Under the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA), substance use disorder treatment is considered an essential health benefit. This means most private insurance plans, employer-sponsored coverage, and public insurance programs are required to provide coverage for medically necessary addiction treatment, including care for complex conditions like polydrug use.
Insurance coverage for polydrug addiction treatment may include services such as medical detox, inpatient or residential rehab, partial hospitalization programs (PHP), intensive outpatient programs (IOP), outpatient therapy, and dual diagnosis treatment for co-occurring mental health conditions. Because polydrug use often involves multiple substances and heightened medical risk, insurers may approve higher levels of care when clinically appropriate. To maximize benefits and reduce out-of-pocket costs, it is important to choose an in-network treatment center that has established agreements with your insurance provider.
In New Jersey, many addiction treatment centers— including Moving Mountains Recovery—work with most major insurance carriers and offer confidential insurance verification to help you understand your benefits before treatment begins. This process clarifies what services are covered, any potential deductibles or copays, and the recommended level of care. Understanding your insurance options upfront allows you to focus on recovery with greater peace of mind, knowing that financial barriers are minimized and support is accessible.
