Paying for addiction treatment is often a concern for individuals in search of rehabilitation services. In some cases, it is ideal to select clinics within the insurance policy's network. However, it is sometimes better to use out-of-network insurance benefits instead.

​

Out-of-network insurance refers to health care providers who aren’t contracted with the health insurance plan to provide services at a discounted rate. Depending on a patient’s plan, expenses incurred by services provided by out-of-network health care providers may not be covered or may be only partially covered. Health maintenance organizations (HMOs) typically require patients to only get addiction treatment from a limited network of providers to receive benefits. Preferred provider organizations (PPOs) have broader coverage areas and usually offer benefits for visiting providers outside of the network. Point of service (POS) insurance plans have limited networks and coverage for visiting out-of-network providers.