Drug and Alcohol Addiction Treatment Health Insurance in Missouri

Over 16% of Americans, ages 12 and older, were living with a substance use disorder within the last year. This equates to over 48 million individuals, who experienced varying symptoms. Addiction treatment programs can provide personalized support focused on achieving and maintaining sobriety. Those looking to use insurance coverage are encouraged to use the free coverage checker available at CheckMyInsurance.co.

CheckMyInsurance.co has an insurance verification form that can simplify the details of your health coverage into easy-to-understand terms. This can include things like out-of-pocket costs, limitations, exclusions, and required authorizations or referrals.  Addiction treatment programs vary in intensity, frequency, and duration to provide support during different stages of your recovery. Continue reading to learn more about drug and alcohol addiction rehabs in Missouri that take insurance.

Check Your Insurance Coverage for Missouri SUD

How Do Mental Health Experts Define Substance Use Disorders?

Substance Use Disorders (SUDs) are behavioral health conditions that cause continued use of alcohol, prescription medications, or illicit drugs despite the consequences that this leads to. You may find yourself struggling at work, at home, and in social settings. SUDs are an individualized condition, which means that they vary in progression, severity, and underlying causes.

Alcohol and drug dependency cannot be narrowed down to a single cause. In numerous instances, the development of an addiction is impacted by several factors. This includes genetics, biological factors, your environment, age of first use, support system, and history of abuse or trauma. Those living with a dual diagnosis may have begun using substances to cope with their psychological distress or began experiencing mental health difficulties as a result of their use of substances.

While addiction does vary in characteristics, common symptoms associated with these conditions include:

  • Development of a tolerance
  • Experiencing cravings
  • Developing withdrawal symptoms
  • New or worsening mental health symptoms
  • Legal difficulties
  • Poor work or academic performance
  • Spending a lot of time thinking about, getting, using, and recovering from use
  • Change in personal hygiene and appearance
  • Changes in social circles
  • Appetite and weight change
  • Isolating from family and friends
  • Frequent impairment
  • Physical health concerns caused by prolonged substance use
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How Are Substances Exploited in the State of Missouri?

The 2020 Status Report on Missouri’s Substance Use and Mental Health indicated that some of the most commonly used illicit substances in the state were marijuana, cocaine, methamphetamine, and heroin. This report indicated that about 146,000 residents met the clinical criteria for a substance use disorder.

Drug use in Missouri contributes to E.R. visits and hospitalizations. Other consequences include motor vehicle accidents, possession arrests, and arrests for the manufacture or sale of illicit drugs. Alcohol is another commonly used substance in MO, including over 1.2 million residents who engage in binge drinking. Rates of substance abuse, including alcohol, are highest among young adults between the ages of 18 to 25.

Substance use disorder has impacted many Missouri residents, with 17.5% of the population affected in 2021. Alcohol use disorder was slightly more common than drug use disorders. Over the years, Missouri has also experienced higher fatal overdose rates than the national average, with a concerning trend observed from 2011 to 2021.

Young adults are particularly vulnerable, with 5.8% of those aged 18 to 25 struggling with drug use disorders between 2015 and 2017. Some of the most commonly misused substances include marijuana, stimulants, heroin, cocaine, and opioids. Research estimates that 39,000 residents misuse pain medications, while 17,000 are using heroin. Browse the resources below for crucial statistics and insightful information on substance abuse.

Typical Substance Use Disorders in the Show-Me State

Rehabilitation programs can provide personalized and comprehensive care for various addictions. Alcohol and drugs can affect the body and brain differently, which can require different types and intensities of recovery support. Continue reading for insights into commonly treated additions within Missouri addiction treatment programs.

Cocaine use disorder can cause impairment in social, personal, and professional settings. Prolonged cocaine use can increase your risk of medical and psychological challenges. Common treatment recommendations include detoxification services and behavioral health services focused on addressing underlying mental health concerns.

Opioid use disorder can include the misuse and abuse of prescription pain medications, heroin, and synthetic opioids like fentanyl. OUD can lead to a range of physical health concerns, and increase mood symptoms. Treatment recommendations for OUD commonly include detoxification services, inpatient rehab, outpatient therapy, and medication-assisted treatment.

Heroin use disorder falls under the umbrella of an opioid use disorder. Heroin addiction can cause respiratory depression, various infectious diseases depending on the method of use, kidney and liver damage, cognitive impairment, depression, anxiety, and an increased risk for psychosis. Substance abuse counseling can be used in inpatient and outpatient treatment programs.

A hallucinogen use disorder can increase your risk for seizures, increased heart rate, gastrointestinal concerns, hyperthermia, psychosis, paranoia, depersonalization, cognitive impairment, mood disorders, legal difficulties, and poor work performance. Inpatient rehab and outpatient therapy can be used to address the underlying causes and outcomes of your SUD.

Struggling with a cannabis use disorder can lead to cognitive impairment, impaired work and academic performance, and an increased risk for mental health concerns. Marijuana is one of the most commonly abused substances in the U.S. and is often perceived as being less severe compared to other conditions. Substance abuse counseling can include psychoeducation and relapse prevention strategies.

Nicotine addiction falls under the category of tobacco use disorder. This can include persistent, and often uncontrollable use, of tobacco and nicotine products. You may find yourself using these products throughout the day, experiencing intense cravings, and being unable to decrease your use. Treatment can include recovery support services and medication-assisted treatment.

Benzodiazepines, barbiturates, sleep medications, hypnotics, and other sedatives fall under the category of a sedative use disorder. This can include substances like Xanax, Valium, Ativan, Ambien, and Lunesta. This can increase your risk for physical, psychological, and functional concerns. Treatment may include detoxification services, inpatient rehab, and outpatient therapy.

Stimulant use disorder includes the misuse or abuse of substances that can increase your energy and focus, and cause euphoria. This can include prescription stimulants and illicit substances like cocaine and methamphetamine. You may be at an increased risk for cardiovascular concerns, insomnia, weight loss, seizures, severe anxiety, cognitive impairment, depression, and mood swings.

Alcohol use disorder can cause various consequences of liver damage, depression, anxiety, and withdrawal symptoms. Detoxification services, inpatient rehab, and outpatient therapy are common alcoholism recovery recommendations. Medication-Assisted Treatments (MATs) can be used during detox and later stages of recovery to help manage cravings and decrease the risk of relapse.

Therapist writing notes during individual therapy assessment session
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Health Insurance and Addiction in Missouri: Will Health Insurance Plans Pay For Drug and Alcohol Addiction Treatment Programs?

Health coverage in Missouri commonly includes treatment options for those who are living with a substance use disorder. While the details of your coverage can vary, it commonly includes detoxification services, inpatient rehabilitation programs, and outpatient therapy. Your coverage may be subject to limitations or exclusions regarding the use of high-end, luxurious, and out-of-network insurance providers.

Having access to a continuum of care is important for those in recovery. This means that you can access personalized care during the different stages of your recovery, promoting emotional and mental wellness. Some treatment programs may require prior authorization or formal referrals for maximum coverage.

Medical insurance may also include coverage for dual diagnosis treatment within a substance abuse recovery program. This is recommended for those who are living with co-existing conditions like anxiety, depression, PTSD, and ADHD. Medication-assisted treatment is another example of a common approach offered in addiction treatment programs.

Is Alcohol Addiction Rehabilitation Treatment Accepted by Missouri’s Health Insurance Plans?

Insurance coverage for alcohol addiction treatment in Missouri commonly includes a range of treatment options. Alcohol use disorder can occur in varying severities, which can require different treatment programs. Your insurance policy may consist of health coverage for detoxification services, inpatient rehab, and outpatient therapy focused on alcoholism recovery.

Substance abuse treatment coverage is known as an essential health service, which ensures coverage for some treatment options. Out-of-pocket costs associated with health coverage may include premiums, coinsurance, deductibles, and copayments.

Additionally, some insurance policies have limitations or exclusions for out-of-network and high-end treatment centers. Verifying your insurance coverage with CheckMyInsurance.co allows you to learn about the requirements and other relevant details of your insurance plan.

What Are Some of the Treatments Used for Substance Addiction in Missouri?

Alcohol and drug addiction rehab centers in Missouri that take insurance can provide a variety of treatment options. This can range from detox services to inpatient and outpatient care. These different treatment options can provide you with appropriate care and support during varying times in your recovery. Continue reading for insight into each treatment option.

Partial Hospitalization Programming (PHP), or day treatment programs, are treatment options that include a full day of recovery-orientated programming. This can include substance abuse counseling, holistic treatments, group support, and MAT options. Day treatment resembles inpatient care, with the ability to reside at home or within a sober living home.

Traditional outpatient rehab programming can include weekly or biweekly psychotherapy sessions, compared to Intensive Outpatient Programming (IOP) which includes a minimum of nine treatment hours per week. Both treatment options can accommodate your professional and personal responsibilities while providing the personalized care you need in recovery.

Detoxification services are intended for individuals who are at risk for withdrawal symptoms and those with underlying mental health or medical health concerns. Detox provides you with a medically supervised setting focused on easing the physical and psychological distress caused in the early stages of recovery. Detox can vary in length, and is often followed with additional treatment.

Inpatient and residential rehabilitation programs provide you with around-the-clock support within a live-in treatment facility. This can include the use of individual therapy sessions, group support, holistic treatments, medication-assisted treatment, family therapy for addiction, and 12-step programs. These programs can vary from a few weeks to a few months, based on your needs.

Medication-Assisted Treatments (MAT) are medical interventions used to ease withdrawal symptoms and support long-term recovery. This can include decreasing the intensity and frequency of cravings and lowering the risk of overdose during a relapse. MAT can be used on a long-term basis for alcohol use disorder and opioid use disorder.

Psychotherapy is a common component of inpatient and outpatient treatment programs. Psychotherapy can be used in individual, group, couple, and family sessions. It often includes the use of evidence-based therapies like Cognitive Behavioral Therapy (CBT) and Dialectical Behavior Therapy (DBT).

Group counseling is a popular feature of addiction treatment programs. Group sessions can decrease isolation behaviors and promote the use of social skills. Addiction group sessions can help you learn from others’ experiences, share your wisdom, and validate your thoughts and experiences.

a group of people in therapy supporting one another with mental health and addiction struggles

Alcohol and Drug Addiction Treatment Center Options in Missouri That Health Insurance Companies Accept

After verifying that your insurance pays for addiction rehab in Missouri, you can begin evaluating your nearby treatment options. We encourage you to compare available therapeutic approaches, interventions, holistic options, and amenities. The location of rehabilitation programs may be an important factor, especially for outpatient treatment programs. Examples of rehab programs you can explore include, but are not limited to:

  1. Grand Falls Center for Recovery: 2000 Grand Falls Boulevard, Joplin, MO 64804
  2. Sana Lake Recovery Center: 8350 State Route 30, Dittmer, MO 63023
  3. Harris House Treatment and Recovery Center: 8315 South Broadway, St. Louis, MO 63111
  4. SSM Health Behavioral Health – Edgewood Drive: 2505 Mission Drive, Suite 100, Jefferson City, MO 65109
  5. SSM Health DePaul Hospital – St. Louis: 12303 DePaul Drive, Bridgeton, MO 63044
  6. Alsana St. Louis – Residential: 1260 St. Paul Road, Ballwin, MO 63021
  7. SSM Health St. Mary’s Hospital – St. Louis: 6420 Clayton Road, Richmond Heights, MO 63117
  8. SSM Health St. Joseph Hospital – Wentzville: 500 Medical Drive, Wentzville, MO 63385
  9. SSM Health Behavioral Health – St. Louis: 12355 DePaul Drive, Bridgeton, MO 63044
  10. The Recovery Village Kansas City: 11901 Jessica Lane, Raytown, MO 64138
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Is Drug Addiction Rehabilitation Treatment Accepted by Missouri’s Health Insurance Plans?

Insurance does cover drug addiction treatment in Missouri, in numerous instances. This may include detox programs, residential treatment programs, and various outpatient therapy options. Medication-assisted treatment may be recommended in some cases, especially for those struggling with opioid use disorder and an addiction to prescription medications.

Insurance coverage for drug addiction treatment is required by the Affordable Care Act (ACA) for marketplace insurance companies. Your coverage should be similar to the coverage you would receive for medical conditions, which prevents up charging for mental health services. This is known as mental health parity.

We encourage you to verify your insurance coverage to gain insight into your out-of-pocket expenses, limitations, and exclusions with your coverage. There may be differences in coverage options between public and private health insurance plans.

Is Inpatient Treatment for Substance Misuse Accepted by Missouri’s Health Insurance Plans?

Inpatient and residential treatment programs commonly accept insurance coverage for substance abuse treatment programs. Your coverage is dependent on your insurance carrier, and the specific plan that you have. This may include limitations or exclusions regarding your treatment provider, as well as requiring prior authorization for full coverage.

You may have noticed the terms inpatient and residential treatment are used interchangeably. These two programs are quite similar, with the main difference being their location. Residential treatment programs are located in a private treatment setting, such as a house or mental health community, whereas inpatient treatment programs are in public settings like hospitals and mental health clinics.

There may be variations in coverage options among private and public health insurance plans. Public health plans are more likely to have limitations and exclusions for high-end and luxurious treatment facilities. Verify your coverage today to learn more about your addiction treatment coverage options. 

Is Outpatient Treatment for Substance Misuse Accepted by Missouri’s Health Insurance Plans?

Yes, Missouri health insurance plans commonly include coverage for outpatient treatment programs. Depending on your needs, this may include coverage for traditional outpatient therapy or specialized treatment programs like partial hospitalization programming and intensive outpatient programs. Coverage for specialized treatment programs may require prior authorization.

Prior authorization can be obtained, often with the assistance of your treatment provider. Your insurance provider may require information regarding your symptoms and the severity of your use disorder that demonstrate the medical necessity of the recommended treatment program. If this is a required step of your plan, it is needed for maximum coverage through your plan.

Outpatient care tends to be a flexible treatment option that varies in duration. Some engage in outpatient care for a short period, while others participate in treatment for the first year of their recovery. Your treatment provider will help you determine which path is right for you, and how to navigate your health insurance.

Therapy session inside of a treatment facility

Addiction Treatment Centers in Missouri: Which Cities Have Treatment Clinics Available?

Missouri is an attractive location to live in with an affordable cost of living, enjoyable weather, and diverse landscapes. You can spend time exploring the natural sites around you, and embrace local history and culture. Missouri commonly offers substance abuse and mental health treatment in small towns and larger cities, offering access to comprehensive care to nearby residents.

Popular tourist attractions in Kansas City and Independence include shopping experiences at the Country Club Plaza and exploring the extensive art collection at the Nelson-Atkins Museum of Art. Those who enjoy history are encouraged to visit the National WWI Museum & Memorial and the Harry S. Truman Presidential Library and Museum.

St. Louis is known for the Gateway Arch, with its breathtaking views. Family-friendly activities can be found at the St. Louis Zoo and the Missouri Botanical Garden. Historic Main Street in St. Charles has picturesque cobblestone streets lined with shops and restaurants that embrace the surrounding culture.

While Nixa has a small-town charm with outdoor recreation opportunities, Springfield has a variety of outdoor and historical attractions. Fantastic Caverns is a ride-through cave system underground that is unique to other cave experiences in the U.S. The Wonders of Wildlife National Museum & Aquarium is a significant wildlife attraction, great for an afternoon of family fun.

Columbia is home to the University of Missouri, which makes it a vibrant town with sporting events and various art opportunities. The Rock Bridge Memorial State Park is filled with outdoor adventure opportunities, including hiking and cave exploring. Jefferson City is the state capitol, which has a variety of historical exhibits within its breathtaking buildings.

Are Detox Treatment Programs Accepted by Missouri’s Health Insurance Plans?

Detoxification programs are commonly included in coverage options with Missouri health insurance companies. Detox programs are often recommended for those who are experiencing withdrawal symptoms, as well as those with underlying mental health or medical health concerns. Detox programs tend to have shorter durations compared to other treatment programs.

Coverage for detox programs may be subject to out-of-pocket expenses like copayments, deductibles, premiums, and coinsurance. Your plan may also have limitations or exclusions on high-end, luxurious, and out-of-network detox facilities. Some detox programs are offered within an addiction treatment facility that offers inpatient or residential care, allowing you to seamlessly transition into intensive treatment.

Those who are receiving medication-assisted treatment to manage withdrawal symptoms, or psychiatric care to address co-existing mental health conditions, may need to utilize prescription drug coverage. Your treatment provider may be able to work with you regarding limitations for prescription medications, such as the use of name-brand drugs.

Are There Alcohol and Drug Addiction Programs Designed for Retired Military Service Members in Missouri?

Yes, some addiction treatment programs offer specialized treatment options for Veterans. This can be an important component of comprehensive care. It is not uncommon for Veterans to have reservations about sharing some of their experiences in a group with others who cannot relate to their military experience. This can create a barrier in treatment, keeping you from addressing certain topics.  

Veteran treatment options can include private group and individual therapy sessions. Your time may be spent focusing on experiences that other Veterans can relate to, such as deployments, combat experiences, and readjusting to civilian life. Some treatment facilities offer dual diagnosis care for those who are experiencing Post Traumatic Stress Disorder (PTSD) and other trauma-related challenges.

Are There Any Payment or Loan Options If My Health Insurance Plan Doesn’t Pay For the Full Cost of Addiction Treatment in Missouri?

Some addiction treatment facilities offer scholarships or grants to individuals who are unable to cover their out-of-pocket costs. This often varies widely based on the treatment provider and your location. Others offer payment options like sliding scale fees, payment plans, and financing options to make out-of-pocket costs more reasonable.

Another option would be to speak with a bank about taking out a personal loan. This is something that would need to be paid back, but it would allow you to access the treatment you need in real-time. Those who have supplemental health insurance and Health Savings Accounts (HSAs) often have additional funds that could be used towards treatment, beyond the scope of their primary health insurance.

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Commonly-Used Health Insurers in the Show-Me State

Ambetter Health, Anthem Blue Cross Blue Shield of Missouri, Aetna CVS Health, Oscar Insurance Company, United Healthcare, and WellFirst Health are examples of commonly used private health insurance companies within the State of Missouri. Public health insurance options within our state include Medicaid and Medicare. 

Healthcare plans often vary in details and coverage options. Some medical insurance providers offer individual health plans, family health insurance options, and group health plans to accommodate individual needs. This allows policyholders to choose coverage options that align with the needs of themselves and their beneficiaries. Additional health care options can include short-term health insurance, employer-sponsored insurance, and supplemental insurance.

What is the Cost of Alcohol and Drug Rehabilitation Without Health Insurance Coverage in Missouri?

The cost of rehabilitation programs can vary greatly without the use of insurance. A primary factor in treatment costs is the level of care you receive. The National Center for Drug Abuse Statistics (NCDAS) indicated that the average cost of detoxification in 2022 was $141,000. Residential care averaged $50,469, and outpatient treatment was about $8,386 per treatment episode.

Additional factors that can influence the cost of care include the location of the treatment facility, a private vs. public treatment facility, available amenities, and the use of specialized services. Those who engage in specialized care, such as dual diagnosis treatment, often experience higher treatment costs due to the additional components of their treatment program. You can contact addiction treatment providers directly to inquire about a personalized treatment cost estimate.

  • An estimated 17.5% of Missouri residents were living with a substance use disorder in 2021. There were slightly higher rates for alcohol use disorder compared to drug use disorders during this year.
  • The rates for fatal overdoses have consistently been higher in Missouri when compared to the national average from 2011 to 2021.
  • An estimated 5.8% of young adults between the ages of 18 and 25 were living with a drug use disorder between 2015 and 2017.
  • Some of the most commonly used substances within Missouri include marijuana, stimulants, heroin, cocaine, and other opioids.
  • Research suggested that 39,000 Missouri residents misuse pain medications and 17,000 residents are using heroin.Â