Insurance coverage varies by provider and specific plan, so it's important to check with your insurance provider to find out if they cover sober living homes. The Substance Abuse and Mental Health Services Administration (SAMHSA) provides a free referral service to help people find the right treatment program for their needs. The Affordable Care Act (ACA) requires insurance companies to provide treatment for substance use disorders, but this does not include treatment in sober living homes. Sober living homes provide a safe environment to help people recover and prepare to get back on their feet, but they are not a treatment center.
Therefore, you are not covered by insurance. However, some insurance plans do cover at least part of ongoing addiction treatment, such as therapy visits, in which residents continue to participate while residing in a sober home. If the insurance is insufficient or the facility you choose is out of network with your insurance provider, the next step to cover the cost of sober living services is to look closely at your family's finances. It may seem counterintuitive to dive into your retirement or emergency savings account to lead a sober life, but it can be worth it in the long run. You can also call your insurance provider to find out if your plan covers structured sober living. The goal in choosing where to go for sober living is to strike a balance between affordability, level of care and in-person experience and environment.
Given the success rate of sober living communities and the ability to select one that exactly matches the needs and desires of a person seeking recovery, the choice is clear. Success rates of addiction treatment programs to help people achieve and maintain sobriety are well documented. Most people who enter residential treatment programs will become sober and complete the program while remaining sober. If you prefer to find a home to live sober, you can use the SAMHSA treatment locator and filter by “transitional housing.” Your treatment center staff can also help you find a home as part of your aftercare planning. Funding a sober life or other types of treatment can help you achieve sobriety, but the debt from doing so can create unhealthy stress in your life during a time when you should focus on recovery. Sober Living Insurance is there to help protect these safe havens against any claims that may occur with comprehensive insurance coverage and risk management services.
For additional resources, visit the SAMHSA store.