State Farm Insurance For Drug Rehab: Coverage Options

Last Updated: June 10, 2020

State Farm health insurance provides millions of Americans with the coverage they need, giving them access to doctors, hospitals, and even drug rehabs. Users can opt for a State Farm insurance plan that is supplemental, additional to Medicare, or comprehensive. Users should verify their State Farm insurance coverage to see what drug rehab services it pays for.

Does State Farm Cover Drug Rehab?

State Farm insurance for drug rehab does exist, but for some users, it can be a little tricky to access. If the policy offers benefits directly between State Farm and the insured, the process is straightforward. However, for those whose policies are a partnership between State Farm and other companies, it can take some work to figure out how to access drug rehab benefits.

Types of Drug Rehab Covered by State Farm

Due to the Affordable Care Act, insurance companies are required to cover substance abuse rehabilitation as robustly as they do any other essential service. This means that a State Farm health insurance coverage for rehab is fairly comprehensive. Detox, inpatient care, outpatient care, and aftercare are all covered through most State Farm policies.


When someone is addicted to a substance that can cause deadly withdrawals, medically supervised detoxification is needed. State Farm insurance for substance abuse rehab will cover this so long as it is needed. Not every user will qualify for detoxification coverage.

doctor in inpatient rehab facility consults a woman

Inpatient Treatment

Inpatient rehabilitation is when the recovering addict lives at the facility. How long they can remain will be determined by the insurance company. In general, stays longer than 30 days will require special approval, and all facilities must meet specific requirements set by State Farm.

Outpatient Treatment

Outpatient rehabilitation is less intensive than inpatient care, and State Farm insurance will generally cover it for longer than they will inpatient treatment. Just as with residential facilities, the provider of outpatient care must be approved by the insurance company. The types of therapies covered by the policy can vary, so users should check with the company before electing to use any alternative therapies.

Medications And Aftercare

A State Farm health insurance coverage extends to medications and aftercare. However, there are restrictions on this. Not all forms of medication management are covered, and even when they are, the user will need to seek approval first. Aftercare can include things like ongoing therapy and specialized programs that help the user stay clean.

Types Of State Farm Health Insurance

State Farm insurance plans for rehab can come in a variety of forms. Some of the types of health insurance they offer are:

  • Individual plans
  • Family plans
  • Group plans
  • Supplemental insurance
  • Medicare supplemental insurance
  • Medicare Part D coverage

patirnts medical records

Individual plans are offered in the following states:

  • Wisconsin
  • New York
  • California
  • Connecticut
  • Georgia
  • Colorado
  • Illinois
  • Missouri
  • Mississippi
  • Maine
  • Montana
  • Indiana
  • Ohio
  • Nevada
  • Oklahoma
  • Texas
  • South Carolina
  • Virginia

How To Use State Farm Insurance For Drug Rehab

Insurance plans can be complicated to understand, including State Farm drug rehab coverage. The insurance industry relies heavily on jargon that the average person may not be familiar with, and oftentimes, there is conflicting language in a policy. To use State Farm for drug rehab, users should seek help.

Contact Company Directly

This help can come from contacting the company directly. Users need to have their name, date of birth, and insurance policy number ready when they call. However, it might be easier to let others handle this. Drug rehab centers have staff on hand who can walk patients through the process of verifying coverage or even handle this for them. Once coverage which includes substance abuse treatment is verified, they can explain what is covered, what isn’t, and how much the patient can expect to pay out of pocket.

Contact Primary Care Provider

Sometimes, it may be necessary to start the process with a primary care provider. They will then write the referral for drug rehab, allowing the patient to access the care they need. This is done to ensure that rehab is medically necessary before State Farm covers it.

Make A Claim

Filing a claim is generally pretty easy, and in most cases, the drug rehabilitation facility will handle it for their patients. If the patient needs to handle this on their own, they can call the Health Response Center for State Farm, send the claim and itemized bill via the postal service to the correct address for their region, or drop off the bills to a local agent’s office.

Verify Coverage With State Farm And Start Treatment

If someone has State Farm health insurance, drug rehab should be covered in part or in full. To find out what their policy covers, they only need to speak with their agent or have their drug rehab facility verify coverage. Within minutes, they should be ready to enroll and get the care they need.

Page Sources

  1. Health Insurance You Can Rely On. State Farm.
  2. State Farm Health Plan Availability. State Farm. 2019.

Published on: October 2nd, 2019

Updated on: June 10th, 2020


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