Health Insurance Coverage for Addiction Treatment
Affect accepts many Employer, Marketplace, Medicaid, and Medicare Advantage plans.
Treatment costs for alcohol and substance use disorders are covered by most insurance plans. Affect accepts many commercial insurance plans as well as Medicaid plans in states where we operate.
Fear over the cost of treatment is a known barrier for people who need help. Be assured that effective treatment that works is affordable. Many of our members have no out of pocket costs under their plans.
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Click below to jump to your state to see which plans we accept. More plans are being added all the time. If you don’t see yours listed, reach out to us and we will contact you when we accept your insurance.
Arizona Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Ambetter* Banner|Aetna Cigna Humana Meritain Oscar UnitedHealthcare |
** Only covers treatment for stimulant use disorder and alcohol use disorder; does not cover treatment for opioid use disorder or cannabis use disorder
| Medicaid / AHCCCS |
| American Indian Health Program Arizona Complete Health Banner University – Family Care Mercy Care** State of Arizona Medicaid (AHCCCS) UnitedHealthcare Community Plan |
| Medicare |
| Humana Medicare Advantage UnitedHealthcare Medicare Advantage |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Or, check to see if you qualify for Medicaid (called AHCCCS in Arizona) or other public benefits.
California Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Blue Shield of California Cigna Humana Oscar Sharp Health Plan UnitedHealthcare |
| Medicaid |
| Coming soon |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Colorado Insurance Plans
| Employer/Marketplace |
| Cigna Rocky Mountain Health Plans UnitedHealthcare |
| Medicaid |
| Colorado Access Colorado Community Health Alliance Rocky Mountain Health Plans State of Colorado Medicaid |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through the Connect for Health Colorado website. Check to see if you qualify for Colorado Medicaid (Health First Colorado) on their website or call 1-800-221-3943.
Florida Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Ambetter* Cigna Humana Oscar Tricare East (Humana Military) UnitedHealthcare |
| Medicaid |
| Aetna Better Health* AmeriHealth Caritas* Humana Healthy Horizons* Simply Healthcare* Sunshine Health* UnitedHealthcare Community Plan* |
| Medicare |
| Humana Medicare Advantage* UnitedHealthcare Medicare Advantage* |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Idaho Insurance Plans
| Employer/Marketplace |
| Cigna* UnitedHealthcare* |
| Medicaid |
| State of Idaho Medicaid* |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through yourhealthidaho.org. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Illinois
| Employer/Marketplace |
| Ambetter* Blue Cross Blue Shield of Illinois* Cigna Molina Healthcare UnitedHealthcare |
| Medicaid |
| Aetna Better Health Blue Cross Blue Shield of Illinois CountyCare Health Plan Meridian Health Plan Molina Healthcare |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Get Covered Illinois. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Indiana Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Ambetter* Anthem Blue Cross Blue Shield CareSource* Cigna Humana Managed Health Services (MHS)* UnitedHealthcare |
| Medicaid |
| CareSource* Managed Health Services (MHS)* MDwise* |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Iowa Insurance Plans
| Employer/Marketplace |
| Cigna Oscar UnitedHealthcare |
| Medicaid |
| Wellpoint (formerly Amerigroup) Iowa Total Care Molina Healthcare |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Kentucky Insurance Plans
| Employer/Marketplace |
| Aetna* Ambetter* Cigna* Humana* Passport Health Plan* Tricare East (Humana Military)* UnitedHealthcare* |
| Medicaid |
| Aetna Better Health* Humana Healthy Horizons* Passport Health Plan* UnitedHealthcare Community Plan* WellCare* |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Kynect.ky.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Nebraska Insurance Plans
| Employer/Marketplace |
| Cigna (coming soon) Medica UnitedHealthcare |
| Medicaid |
| Nebraska Total Care UnitedHealthcare Community Plan Molina Healthcare |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Nevada Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Anthem Blue Cross and Blue Shield of Nevada Cigna Health Plan of Nevada Humana Molina Healthcare Sierra Health & Life Sierra Health Options UnitedHealthcare *Please note we are not accepting new members on these plans at this time |
| Medicaid |
| Anthem Blue Cross and Blue Shield Nevada Health Plan of Nevada Molina Healthcare* UnitedHealthcare Community Plan |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Nevada Health Link. Check to see if you qualify for Medicaid or are eligible for discounted rates.
New Mexico Insurance Plans
| Employer/Marketplace |
| Ambetter* Blue Cross and Blue Shield of New Mexico Cigna Molina Healthcare Presbyterian Health Plan UnitedHealthcare |
| Medicaid |
| Blue Cross and Blue Shield of New Mexico Molina Healthcare Presbyterian Health Plan UnitedHealthcare Community Plan |
| Medicare |
| Humana Medicare Advantage Molina Medicare Advantage UnitedHealthcare Medicare Advantage |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through www.bewellnm.com. Apply for New Mexico Medicaid (Turquoise Care, formerly known as Centennial Care) at yes.nm.gov/ or call 1-855-637-6574.
North Carolina
| Employer/Marketplace |
| Ambetter* Blue Cross and Blue Shield of North Carolina* Cigna UnitedHealthcare |
| Medicaid |
| AmeriHealth Caritas* Blue Cross and Blue Shield of North Carolina – Healthy Blue* Carolina Complete Health* Partners Health Management* UnitedHealthcare Community Plan* Vaya Health* WellCare* |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Ohio Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Ambetter Anthem CareSource Cigna Humana Medical Mutual* Molina Healthcare Oscar Tricare East (Humana Military) UnitedHealthcare |
| Medicaid |
| AmeriHealth Caritas Anthem Buckeye Health Plan CareSource Humana Healthy Horizons Molina Healthcare State of Ohio Medicaid UnitedHealthcare Community Plan |
| Medicare |
| UnitedHealthcare Medicare Advantage |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Oregon Insurance Plans
| Employer/Marketplace |
| Cigna UnitedHealthcare |
| Medicaid |
| Columbia Pacific CCO Health Share of Oregon Intercommunity Health Network Jackson Care Connect State of Oregon Medicaid (Oregon Health Plan) Trillium Community Health Plan Trillium Community Health Plan – Southwest Trillium Community Health Plan – TriCounty Umpqua Health Alliance |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov. You can apply for Medicaid coverage through Oregon Health Plan (OHP) at any time of year via OregonHealthCare.gov. You can also call OHP Customer Service at (800) 699-9075.
Texas Insurance Plans
| Employer/Marketplace |
| Aetna (Employer plans only) Ambetter* Blue Cross Blue Shield Texas** Cigna Humana Oscar Tricare East (Humana Military) UnitedHealthcare |
** Only available for our opioid use disorder program
| Medicaid |
| Aetna Better Health* Wellpoint (formerly Amerigroup)* Parkland Community Health Plan* Superior HealthPlan* UnitedHealthcare Community Plan* |
| Medicare |
| Humana Medicare Advantage UnitedHealthcare Medicare Advantage |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through Healthcare.gov or TexasHealthOptions.com. Check to see if you qualify for Medicaid or are eligible for discounted rates.
Virginia Insurance Plans
| Employer/Marketplace |
| Cigna Oscar Sentara Health Plans UnitedHealthcare |
| Medicaid |
| Aetna Better Health Anthem HealthKeepers Plus* Molina Healthcare* Sentara Community Plan UnitedHealthcare Community Plan |
| Medicare |
| Humana Medicare Advantage Sentara Medicare Advantage UnitedHealthcare Medicare Advantage |
Washington Insurance Plans
| Employer/Marketplace |
| Ambetter* Cigna Community Health Plan of Washington UnitedHealthcare |
| Medicaid |
| Community Health Plan of Washington Coordinated Care UnitedHealthcare Community Plan Wellpoint (formerly Amerigroup) For residents of King County only: we also accept Molina Medicaid in addition to the plans above. |
If you need healthcare insurance, you can find a plan and apply for Marketplace coverage through www.wahealthplanfinder.org/. You can apply for Medicaid coverage through Apple Health at any time of year via www.wahealthplanfinder.org/.