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Rehab Centers That Accept Molina Insurance

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Molina insurance policy for drug and alcohol rehab

Molina is a health insurance provider that offers coverage through Medicare, Medicaid and Marketplace plans. It insures approximately 5.1 million Americans, and many policyholders use their insurance to receive substance use disorder treatment (SUD).

Understanding insurance coverage for drug and alcohol addiction rehab can be confusing and overwhelming. Exploring your specific policy benefits and learning how insurance for rehab treatment works can help you make the most of your Molina health insurance.

Does Molina Insurance Cover Drug Rehab?

Molina covers alcohol and drug addiction rehab, but there are some limits. Your plan, location and other factors may change the amount of coverage you’re eligible for.

Addiction treatment must be covered, at least to some extent, by any plan in the Health Insurance Marketplace. This is due to the Affordable Care Act (ACA), which lists substance abuse treatment as an essential health benefit.

What Types of Addiction Treatment Does Molina Healthcare Cover?

Molina may provide coverage for a wide array of addiction treatment services. Every person has a unique history, needs and goals, which can impact the treatment approaches included in their care plan.

Medical Detox

Medical detoxification, or detox, may be covered by Molina. This service ensures your body is substance-free and stable enough to begin your treatment plan.

In addition to monitoring your vitals and administering medications, clinicians manage withdrawal symptoms and ensure you’re detoxing safely. Molina plans cover detox services, but you need prior authorization to receive coverage.

Medication-Assisted Treatment

Molina covers medication-assisted treatment (MAT) when it’s medically necessary. MAT is the practice of using U.S. Food and Drug Administration (FDA) approved medications to treat addiction alongside therapy and counseling. It helps manage withdrawal symptoms, reduce cravings and reduce the risk of relapse.

Inpatient Rehab

Many Molina policyholders may be able to get inpatient treatment partially or fully covered. Individuals need to meet medical necessity requirements, obtain prior authorization and choose an in-network provider.

Inpatient and residential treatment programs are highly intensive options that offer the highest level of care. People with more severe addictions may benefit from inpatient treatment, as it’s very regimented and provides 24/7 care. People who enroll in an inpatient program can expect to live temporarily at the facility where they receive care.

Dual-Diagnosis Treatment

Molina healthcare insurance plans cover dual-diagnosis treatment under behavioral health services. Dual-diagnosis treatment is a service that addresses substance use disorder and mental health disorders at the same time. In many cases, an untreated mental health disorder can even be the root of an SUD.

Dual-diagnosis care combines mental health treatment approaches, such as therapy and medication-assisted treatment.

Outpatient Treatment Programs

Often a step-down from inpatient care, outpatient treatment provides addiction care for set days and times, often several days a week for multiple hours. Outpatient care allows individuals to continue living at home, which can be helpful for those with jobs or families.

Molina insurance covers outpatient substance use treatment, including partial hospitalization programs (PHPs) and intensive outpatient programs (IOPs). You’ll need prior authorization before beginning treatment, and you must choose a provider that’s in-network with your plan.

Counseling and Behavioral Therapy

Counseling allows individuals to discuss their emotions, thoughts and worries throughout their addiction treatment journey with their provider. Behavioral therapy is a kind of talk therapy that focuses on changing behavioral/thought patterns that exacerbate addiction.

It’s often used as a mental health service and may come in many forms, such as dialectical behavior therapy (DBT) or cognitive behavioral therapy (CBT). Behavioral health services are part of a comprehensive treatment plan.

Molina insurance covers mental health assessments from in-network providers without requiring a referral. However, your policy may not cover all types of counseling. For example, couples counseling is often excluded from coverage.

Continuing Care

Often referred to as aftercare, continuing care is treatment provided after you complete a rehab program. You and your case manager will determine which aftercare services are best for you, but potential options include counseling, therapy, support groups and sober living.

What’s included in continuing care services differs between individuals, so Molina coverage will depend on the type of service you receive. It covers clinical behavioral counseling and peer recovery support, but not room and board associated with sober living.

Often also referred to as aftercare, continuing care is treatment services provided after you complete an addiction treatment program.

You and your case manager will determine what aftercare services are best for you, but some include counseling, therapy, support groups, and sober living.

Factors that Affect Molina Coverage for Drug Rehab

The Molina plan you choose affects the level of coverage you receive. Certain plans may provide more coverage, some may require co-pays and others may limit the providers you can receive care from. You may also need a diagnosis or referral for your plan to cover your treatment.

Another factor in coverage determination is your location. This is due to different plans being offered in different areas, state laws and more.

The type of care you need can also affect your coverage level. Some plans may cover certain services at a higher level than others. If you need a specific type of treatment, it’s important to verify your benefits to see whether it’s covered.

Does Molina Cover Out-of-Network Rehab Programs?

Molina offers Health Maintenance Organization (HMO) plans. HMOs are designed so that you choose a provider from the insurance company’s network. Substance use treatment services outside of that network generally aren’t covered.

The company only covers out-of-network providers if the necessary care and covered services aren’t available from an in-network provider. Choosing an in-network provider ensures the highest level of coverage and lowest out-of-pocket expenses. Your provider may be able to refer you to in-network programs.

Types of Molina Healthcare Plans

Different plans may be available to you based on your location and eligibility. When choosing between plan options, you’ll want to consider the terms and out-of-pocket costs, such as co-pays, deductibles and coinsurance, to determine which one is best for you.

Molina offers various health insurance plans that differ by state. These may include:

  • Molina Medicare plans:
    • Molina Medicare Complete Care (HMO D-SNP)
    • Molina Medicare Choice Care (HMO)
    • Molina Medicare Complete Care Plus (HMO D-SNP)
  • Molina Medicaid plans

If you don’t qualify for the above plans, Molina may help you pay for a Marketplace plan.

Types of Addiction Covered by Molina Insurance

Molina health insurance plans cover many substance addictions. Your rehab coverage isn’t determined based on the type of addiction you have.

Common addictions Molina may cover treatment for include:

  • Cocaine
  • Meth
  • Heroin
  • Alcohol
  • Prescriptions drugs
  • Opioids
  • Benzodiazepines

As long as your plan provides coverage for the care you’re seeking and you find an in-network provider, your treatment will be covered.

Where to Find Rehab Centers that Accept Molina Near You

Finding in-network facilities can be challenging when you’re looking for substance abuse rehab. There are several great resources for finding reputable, reliable treatment centers:

  • Ask your primary care provider for referrals to centers that accept your health insurance plan.
  • Locate an in-network rehab program through Molina’s patient portal. Click “Find a doctor or pharmacy” and instantly receive a list of in-network providers.
  • Call Molina and speak with a representative to check if a provider is in-network.
  • Check RehabNet.com’s list of accredited addiction treatment centers by state. Each facility has a list of accepted insurance providers.

Look for treatment centers that have positive reviews and testimonials, provide evidence-based care and hold accreditations and certifications from organizations such as the Joint Commission, the Commission on Accreditation of Rehabilitation Facilities and LegitScript.

Find Drug & Alcohol Rehab Programs Covered by Molina

Molina health insurance can help policyholders access more affordable substance abuse treatment. Many substance use disorders and treatments may be covered under your plan. For more information about addiction treatment coverage with Molina, call our helpline now.

FAQs About Molina Insurance Coverage

What is Molina insurance, and how does it work?

Molina Healthcare focuses on HMO policies, including Medicaid and Medicare plans. It covers substance abuse treatment and mental health services through in-network providers. Some services may also require a referral or prior authorization.

How can I verify my Molina insurance benefits?

The easiest way to verify Molina insurance benefits is to call the member support number on the back of your insurance card. A member services representative can let you know what’s covered and what your out-of-pocket costs may be and connect you with in-network substance abuse rehabs in your area.

What are the potential out-of-pocket costs for rehab with Molina insurance?

Many Molina plans, such as those that provide Medicaid coverage, have very limited out-of-pocket costs. For Marketplace and Medicare Molina plans, you could be responsible for a co-pay and coinsurance even after you hit your deductible.

How many days of substance use treatment does Molina insurance cover?

How many days of substance use treatment Molina insurance covers depends on your specific policy and what’s medically necessary for your care. You may also have to show that you’re making progress in treatment for Molina to continue paying for rehab.

What are the top states for Molina coverage?

Molina Healthcare offers insurance coverage in 21 states across the nation, with high enrollment numbers in the Midwest and Southwest regions. Texas, New Mexico, Michigan and Ohio have consistently high enrollment with Molina.

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Last Modified: June 29, 2026