To find a rehab that accepts your insurance, start with the member services number on your insurance card and ask for in-network addiction treatment, preauthorization rules, and your out-of-pocket costs. Rehab centers can also do a quick insurance verification for you, and many have online forms that show whether your plan is covered before you enroll. It helps to compare a few treatment centers, since coverage can vary by plan, facility, and level of care, and some rehabs accept out-of-network benefits too.