Does my private health insurance cover addiction treatment?

Find out if your private health insurance will cover detox, rehab, or other mental health treatment services at Arrow Health.

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Understanding private health insurance for addiction treatment

Navigating private health insurance can be tricky at the best of times, even more so when you or someone you love is under stress and looking for help with addiction.

The good news is that many private health funds do offer some level of cover for addiction treatment. These services are often classified under private psychiatric hospital admissions. It’s important to note that all funds cover this the same way.

Some policies cover the full costs of detox and rehab. Others cover only part of it, and some exclude it altogether. Many people only discover what their health fund won’t cover after they’ve already started treatment. An unpleasant surprise that can add even more stress to an already difficult time.

That’s why we’ve created the Am I Covered guide. Everything you need to know about using private health insurance for addiction treatment.

What you’ll learn in our free guide

Does private health insurance cover detox and rehab?
What’s the difference between public and private addiction treatment?
How do I know if my policy has full benefits or restricted cover?
Can I upgrade my policy to cover treatment?
What costs should I expect (excess, co-payments, gaps)?
What happens if I don’t have private health insurance?

You’ll also learn how to:

Check your policy quickly and confidentially
Understand common insurance terms
Avoid unexpected expenses
Explore your options if your cover isn’t enough

Download 'Am I Covered' PDF

Why this matters

It’s less than half of Australia’s major health insurers that currently offer full coverage for addiction treatment under psychiatric hospital admissions. This means understanding your policy before you begin treatment is more important that ever.

Our free guide answers your questions and aims to help you avoid confusion to be able to make informed decisions.

Does private health insurance cover addiction treatment?

Addiction treatment is often classified under private psychiatric hospital admissions. Some health funds cover the costs in full, others only cover part of the costs. Your coverage depends on your fund and your policy.

How do I check my private health insurance policy?

You can check your cover by phoning your health fund directly and asking about psychiatric hospital admission benefits. Alternatively, our intake team can also run an online eligibility check with you over the phone.

Do all private rehab centres charge the same fees?

No. Costs can vary depending on the treatment programs offered, the length of stay, and the facilities. Always ask for a full breakdown of fees before admission so you know what out-of-pocket expenses you can expect.

Am I Covered by my private health insurance?

Get clarity on what your private health insurance will and won’t cover for addiction treatment.

Download the 'Am I Covered' PDF