If you’re seeking marijuana rehab accepting COBRA insurance, you have options to receive comprehensive care while managing costs. COBRA continuation coverage lets you keep your employer-sponsored health benefits for 18 to 36 months after a job loss or qualifying event, covering essential services like substance use disorder treatment and mental health care. At The Hope House, your COBRA plan can fund outpatient detox, intensive outpatient programs (IOP), partial hospitalization (PHP), residential detox, and medication-assisted treatment with Suboxone—all designed to make recovery as accessible and affordable as possible.
Understanding COBRA insurance
COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985) gives you the right to extend your group health coverage when you experience a qualifying event, such as job loss, reduction in hours, divorce, or death of the covered employee. Instead of losing access to your plan’s benefits, you can maintain the same coverage—network providers, deductibles, copays—for a limited time.
Who qualifies for COBRA?
- Employees and dependents covered by an employer health plan with 20 or more employees
- Individuals who experience job-related qualifying events (layoff, reduction in hours)
- Spouses and dependents after events like divorce or aging out of a parent’s plan
How long does coverage last?
- Up to 18 months for job loss or reduction in hours
- Up to 36 months for divorce, death of the covered employee, or dependent changes
What does it cost?
Your COBRA premium will mirror the cost you paid as an active employee, plus an administrative fee (up to 2%). Although the employer no longer contributes, this structure ensures you retain identical benefits, including mental health care and substance use disorder treatment [1].
Benefits of COBRA coverage
Taking advantage of COBRA for rehab services can reduce financial stress and keep your treatment on track. Compared to going without coverage, COBRA offers:
- Consistent benefits: You maintain the same network of providers, avoiding surprises when you seek care
- Reduced out-of-pocket costs: Employer-level deductibles, copays, and coinsurance remain in effect
- Mental health parity: Under the Affordable Care Act, COBRA plans must cover substance use and mental health treatment equally to medical services
- Extended support window: Coverage for up to three years lets you complete longer residential stays or a sequence of outpatient levels
The average cost of drug rehabilitation per person is $13,475 [2]. COBRA coverage can lower your direct spend and help you focus on lasting recovery rather than balancing bills.
Exploring treatment programs
The Hope House offers a full continuum of care adapted to your needs and stage of recovery. All programs below are eligible for COBRA benefits, subject to your plan’s in-network rules.
| Program type | Description | Typical structure | COBRA coverage |
|---|---|---|---|
| Outpatient detox | Scheduled appointments for medical monitoring and counseling | 1–3 visits per week | Yes |
| Intensive outpatient program (IOP) | Group and individual therapy multiple times per week | 9–15 hours weekly | Yes |
| Partial hospitalization program (PHP) | Day treatment with therapy, education, and medical oversight | 20+ hours weekly | Yes |
| Residential detox | 24/7 medical and nursing supervision to manage withdrawal | 3–10 days average | Yes |
| Medication-assisted treatment (MAT) | Suboxone or other FDA-approved medications to ease cravings and withdrawal symptoms | Varies by plan | Yes |
| Outpatient therapy | One-on-one counseling, family sessions, relapse prevention | Weekly or biweekly | Yes |
Outpatient detox
If you have mild to moderate withdrawal symptoms and strong support at home, outpatient detox can be a convenient first step. You’ll meet with a medical professional for medication adjustments, vital-sign checks, and counseling sessions that focus on coping skills.
Intensive outpatient program (IOP)
IOP bridges outpatient therapy and inpatient care. You’ll participate in structured group therapy, process groups, and individual sessions—often evenings or weekends—so you can maintain work or family responsibilities.
Partial hospitalization program (PHP)
PHP offers the same clinical intensity as inpatient treatment but without overnight stays. You’ll spend full days in therapy, education, and skill-building workshops, returning home each evening.
Medication-assisted treatment (MAT)
MAT with Suboxone or similar medications can reduce cravings and withdrawal discomfort. Combining MAT with therapy improves success rates, especially for individuals with co-occurring mental health conditions. In addition to your COBRA plan, you may explore integrated care options such as dual diagnosis detox with aetna coverage if your plan originally included Aetna benefits.
Residential detox
When medical or psychiatric factors raise withdrawal risks, residential detox provides round-the-clock nursing and medical oversight. You’ll receive personalized care in a safe environment until you’re ready to transition to a lower level of care.
Specialty offerings
- Family counseling and support
- Trauma-informed care
- Holistic therapies (yoga, mindfulness, art therapy)
- Relapse prevention workshops
Find rehab near you
Locating marijuana rehab that accepts your COBRA plan can feel overwhelming, but the process follows clear steps:
- Review your plan’s provider directory to identify in-network facilities
- Search online for “marijuana rehab accepting COBRA insurance” plus your city or ZIP code
- Call The Hope House admissions line or your insurer’s member services for benefit details
- Confirm preauthorization requirements and out-of-pocket estimates before booking
Additionally, you can explore resources like marijuana detox covered by multiplan if you previously used Multiplan network providers. Remember, in-network facilities typically yield the lowest out-of-pocket costs under COBRA.
Choosing The Hope House
When you compare rehab centers in your network, The Hope House stands out for its blend of evidence-based treatment, personalized care, and supportive environment.
In-network with major insurers
We partner with leading health plans—Aetna, Cigna, Tricare, BCBS, Humana, and more—to ensure your COBRA extension retains access to our full suite of services. This continuity helps you avoid delays and maximize benefits throughout your recovery journey.
Tailored treatment programs
Our assessment process pinpoints your unique challenges, co-occurring conditions, and personal goals. From there, we build an individualized plan that may include detox, MAT, PHP, IOP, and outpatient therapy—all adjusted as you progress.
Supportive environment
Recovery thrives in a setting where you feel understood and backed by peers. Our experienced clinicians, peer support specialists, and case managers foster camaraderie and accountability, giving you the support necessary for lasting recovery.
Integrated care for co-occurring disorders
Half of all individuals with substance use concerns also face a mental health diagnosis, such as anxiety, depression, or PTSD [1]. We address both conditions simultaneously, offering integrated therapy and psychiatric support under one roof.
Verifying your coverage
Before you begin treatment, it’s essential to confirm the details of your COBRA benefits. Verification protects you from unexpected bills and ensures a smooth admissions process.
Review your summary of benefits
Your plan’s “Summary of Benefits and Coverage” outlines covered services, copays, coinsurance, and any treatment limits. Pay attention to:
- In-network vs out-of-network cost shares
- Preauthorization requirements for detox or residential care
- Annual or lifetime dollar limits on SUD treatment
Obtain preauthorization
Many plans require preapproval for admissions to PHP, IOP, or residential detox. Our admissions team works directly with your insurer to secure authorizations, appealing decisions if necessary to protect your benefits.
Seek help from our team
At The Hope House, we simplify insurance logistics. Our financial coordinators will:
- Verify your COBRA eligibility period and premium amount
- Estimate your out-of-pocket responsibility
- Coordinate benefit extensions for longer stays
- Guide you through payment plans or supplemental options
It is essential to verify the extent of COBRA coverage for rehab before selecting a program, as benefits can vary by plan [3].
Frequently asked questions
Does COBRA cover marijuana rehab?
Yes. Under the Affordable Care Act, COBRA plans must continue covering substance use disorder treatment, including programs for cannabis use just as they did while you were an active employee.
How long does COBRA coverage last?
For job loss or reduced hours, COBRA extends your plan for up to 18 months. Qualifying events like divorce or death of the insured can extend coverage to 36 months.
Will I pay more under COBRA?
You’ll pay the full premium you and your employer formerly shared, plus up to a 2% administrative fee. However, in-network deductibles and copays generally remain the same.
Can I switch to a Marketplace plan instead?
If COBRA premiums are unaffordable, you may opt for a Health Insurance Marketplace plan during the special enrollment period triggered by your qualifying event. Compare benefits carefully, as coverage for rehab and mental health can differ.
What if my plan requires preauthorization?
Most plans ask for preapproval before you enter PHP, IOP, or residential detox. Our admissions specialists handle these requests on your behalf, ensuring timely access to care.
Take the next step
Don’t let insurance concerns delay your recovery. If you’re ready to explore marijuana rehab accepting COBRA insurance near you, contact The Hope House today. Our compassionate team is here to guide you through benefits verification, answer your questions, and design a treatment plan that meets your needs—and your health plan’s requirements. Your path to lasting recovery starts here.
