When someone completes a rehab program, transitioning to a sober living home can be a critical step toward long-term recovery. Many people wonder whether Medicaid or other health insurance plans can help cover the cost of this type of recovery housing.
In this article, we will break down what Medicaid may cover, the limitations, and alternative ways to manage the cost of sober living.
What Is a Sober Living Home?
A sober living home offers a structured, drug- and alcohol-free living environment for people in recovery. Unlike inpatient rehab facilities, these residences focus on accountability, peer support, and developing healthy routines. They give individuals the chance to regain stability after completing an addiction treatment program, while preparing for independent living.
They are often compared to halfway houses, but these homes often offer more independence, community support, and personal responsibility.
For those exploring their next step after rehab, turning to an established community such as us at Mile High Sober Living can make the transition smoother and more sustainable.
Medicaid and Coverage for Sober Living Homes
Medicaid is a state- and federally funded health insurance program designed for individuals with limited income. Through the Affordable Care Act, Medicaid expanded in many states, giving more people access to behavioral health and addiction services. This expansion made it easier to qualify for coverage of detox, inpatient rehab, outpatient care, and therapy.
The Medicaid program generally does not cover sober living for the housing portion of recovery programs. Rent and basic living expenses remain the responsibility of residents. What it may cover are the clinical services provided while someone lives in recovery housing, such as counseling, group therapy, or medication-assisted treatment. These benefits can help reduce the overall costs of care, but the housing fees themselves are still out-of-pocket expenses.
Alternatives to Medicaid for Covering Costs
Some private insurance plans may provide coverage for sober living in limited situations, though this varies widely by insurance provider and state. It is important to check directly with your insurance provider to understand whether your plan may cover or help with covering the cost.
These options can include:
- Private insurance may extend support as part of a broader addiction treatment plan.
- State-funded recovery housing programs may be available in certain regions.
- Sliding scale fees or payment assistance are offered by halfway houses or structured recovery programs.
Certain homes also provide flexible payment options to help residents manage expenses, ensuring that financial challenges do not prevent access to a supportive living environment.
The Cost of Sober Living and Financial Considerations
The cost of sober living can vary depending on the location, structure of the home, and services provided. On average, sober living homes often charge monthly rent similar to regular housing, with added costs for amenities or house management. In some cities, monthly fees may range from a few hundred dollars to over a thousand, depending on whether meals, transportation, or additional support services are included.
Some residences coordinate with treatment programs that bill insurance for therapy or recovery services, which can ease part of the financial burden. In this way, insurance coverage may help cover part of the overall recovery journey, even if it does not pay for sober living outright.
Final Thoughts from Mile High Sober Living
Medicaid may cover clinical services tied to addiction treatment, but it generally does not provide coverage for sober living housing itself. This makes it important to explore all insurance plans, community resources, and financial options available when considering the cost.
At Mile High Sober Living in Denver, we understand the challenges people face when navigating insurance coverage and treatment costs. Our homes provide structured, supportive housing that helps individuals continue their journey with accountability and community. We work to provide the tools and environment needed for lasting sobriety while helping residents connect with the resources that may help cover the cost of ongoing care.
