Institute of Supportive Services Inc
19940 Conant Street, Detroit
Payment types: Medicare · Private insurance (commercial) · Sliding-scale fee
Accreditation: Joint Commission (SAMHSA-reported)
Snapshot of November 13, 2026 · SAMHSA
Rehab that takes private insurance in Michigan
Coverage: job plans and HealthCare.gov plans both pay for rehab. Cost factors: network, deductible, prior approval. Listed by SAMHSA in this state: 387 programs.
Needed for the call: 1 ZIP code, 1 insurance card (the caller's or a family member's). Referral line: paid. Answered by a partner; listed programs do not answer it.
First listings: programs accepting private insurance
12 of 387 listings, per SAMHSA FindTreatment.gov as of November 13, 2026. Sort: programs with more SAMHSA-reported services on top, others A–Z. Listing is free for programs; the referral line is paid for by a partner. Listing method.
Visible: 12 / 12
No starting point yet? Call (231) 422-3921 Referral line: paid. Answered by a partner; listed programs do not answer it.
Skywood Recovery
10499 North 48th Street, Augusta
Payment types: Private insurance (commercial) · TRICARE
Accreditation: Joint Commission (SAMHSA-reported)
Recovery Pathways LLC
500 Hancock Street, Saginaw
Payment types: Medicaid · Medicare · Private insurance (commercial)
Accreditation: CARF and Joint Commission (SAMHSA-reported)
InterCare Community Health Network
Eau Claire, MI 49111 (street address not published by SAMHSA)
Payment types: Medicaid · Medicare · Private insurance (commercial)
Recovery Pathways LLC
805 Townsend, Midland
Payment types: Medicaid · Medicare · Private insurance (commercial)
Accreditation: Joint Commission (SAMHSA-reported)
Biomed Behavioral Health Services
1044 Gilbert Street, Flint
Payment types: Medicaid · Medicare · Private insurance (commercial)
Accreditation: CARF (SAMHSA-reported)
Sacred Heart Rehabilitation Center Inc
400 Stoddard Road, Richmond
Payment types: Medicaid · Medicare · Private insurance (commercial)
Accreditation: CARF (SAMHSA-reported)
University of Michigan
4250 Plymouth Road, Ann Arbor
Payment types: Medicare · Private insurance (commercial)
Accreditation: Joint Commission (SAMHSA-reported)
Bear River Health
2329 Center Street, Boyne Falls
Payment types: Medicaid · Private insurance (commercial) · TRICARE
Accreditation: Joint Commission (SAMHSA-reported)
Sacred Heart Rehabilitation Center Inc
248 Ferry Lane, Saint Ignace
Payment types: Medicaid · Medicare · Private insurance (commercial)
Accreditation: CARF (SAMHSA-reported)
Aleda E Lutz VAMC
180 North State Avenue, Alpena
Payment types: Private insurance (commercial) · TRICARE
Accreditation: Joint Commission (SAMHSA-reported)
Easterseals MORC
22170 West 9 Mile Road, Southfield
Payment types: Medicaid · Medicare · Private insurance (commercial)
Facility data: public agencies only, no advertisers
SAMHSAU.S. treatment locator
MDHHSState agency for addiction services
NIDAResearch base
988 LifelineCrisis line (24/7)
CARFAccreditation body
ASAMPlacement criteria
Answer in brief
387 programs in Michigan accept private insurance. Out-of-pocket cost depends on three factors: deductible, coinsurance, network status. Highest counts: Detroit (27), Grand Rapids (15) and Flint (14). Source: SAMHSA locator (November 13, 2026)[1].
Key figures
- 47 residential. 47 detox. 135 with opioid use medication.
- 180 with sliding fees. 204 with payment assistance.
- 238 admit teens. 36 provide Spanish-language services.
Private insurance coverage, in brief
86%of Michigan programs
Substance use disorder and mental health services count as an essential health benefit. Required coverage: plans sold on HealthCare.gov or a state marketplace, plus most small-employer plans.
Federal parity rule since 2008 (Mental Health Parity and Addiction Equity Act): where a plan includes addiction treatment, its prior authorization, visit limits and copays for that care may not exceed the rules applied to comparable medical care.
Before admission: run the price quote through the cost calculator using deductible and coinsurance figures. In total, 47 residential programs here accept private insurance. For Medicare coverage, see Medicare and rehab instead.
Program counts by care level
Base: 387 programs. Detox: 47. Residential: 47. Outpatient: 364. Opioid use disorder medication: 135.
No program picked yet? Call (231) 422-3921 Referral line: paid. Answered by a partner; listed programs do not answer it.
Additional payment accepted
Of 387: 383 also accept cash; 180 apply a sliding fee scale. Multiple payment types are common, relevant when coverage shifts mid-treatment.
Payment types
Ownership
Non-profit: 203. For-profit: 116.
Locations in Michigan
| City | Accept | All programs | Share |
|---|---|---|---|
| Detroit | 27 | 40 | 68% |
| Grand Rapids | 15 | 20 | 75% |
| Flint | 14 | 17 | 82% |
| Saginaw | 12 | 13 | 92% |
| Muskegon | 10 | 10 | 100% |
| Ann Arbor | 9 | 10 | 90% |
| Southfield | 8 | 10 | 80% |
| Traverse City | 8 | 8 | 100% |
| Holland | 7 | 7 | 100% |
| Kalamazoo | 7 | 9 | 78% |
| Livonia | 6 | 7 | 86% |
| Midland | 6 | 7 | 86% |
County distances to a program accepting private insurance
6counties beyond 30 miles of a program accepting private insurance
Median distance: 7.2 miles. Over 30 miles: 6 counties. Method: straight line from each county center (83 counties, Michigan) to the closest listed facility accepting private insurance.
Longest distances by county
| County | Nearest, miles |
|---|---|
| Keweenaw County | 68.0 |
| Houghton County | 58.3 |
| Ontonagon County | 48.3 |
| Baraga County | 36.2 |
| Leelanau County | 33.5 |
| Iron County | 33.1 |
| Charlevoix County | 25.7 |
| Montmorency County | 25.7 |
Populations served
238serve children and teens
387 facilities. Children and teens: 238. Veteran programs: 152. Spanish services: 36.
Age range
Top entries: Young Adults (384 of 387), Seniors (377 of 387) and Adults (359 of 387).
Group-specific programs
Top entries: Dual diagnosis (mental health + substance use) (263 of 387), Clients who have experienced trauma (241 of 387) and Justice-involved/forensic clients (excluding DUI/DWI drunk-driving cases) (158 of 387).
Non-English languages
Top entries: Deaf and hard-of-hearing: sign language services (146 of 387), Spanish (36 of 387) and Other languages (excluding Spanish) (18 of 387).
Settings and aftercare
Self-reported by programs: care settings and post-discharge support.
Settings
Top entries: Outpatient (364 of 387), Regular outpatient treatment (157 of 387) and Outpatient medication treatment: naltrexone, methadone or buprenorphine (92 of 387).
Aftercare
Top entries: Mentoring/peer support (249 of 387), Housing services (194 of 387) and Assistance with obtaining social services (140 of 387).
Opioid medications
Top entries: Naltrexone used in Treatment (117 of 387), Buprenorphine used in Treatment (115 of 387) and Methadone used in Treatment (31 of 387).
Therapies
Top entries: Cognitive behavioral therapy (369 of 387), Telemedicine/telehealth therapy (356 of 387) and Individual psychotherapy (201 of 387).
Pre-admission questions
In-network figures for residential treatment: deductible? Coinsurance? Out-of-pocket maximum?
Plus the share of each already used this year.Prior authorization: required? Requested by whom?
Usually filed by the program itself when it accepts insurance.Annual day limit: is there one?
Plus the process for extra days on the program's recommendation.Formulary check: which addiction medications are listed?
Check three: buprenorphine-naloxone, naltrexone, methadone — plus the tier of each.Zero nearby in-network programs can treat me: next step?
Option: a network exception. Effect: out-of-network care billed at in-network rates.
What happens after an insurer denial: steps
Written reason: request it.
Also the medical necessity criteria applied. Plans are required to supply them on request.Internal appeal: 180-day deadline.
Urgent appeal: decision within 72 hours. Applies if you are in treatment now or delay would harm your health. The clinical part is often written by the program.External review: request it.
Denial upheld by the plan: an independent reviewer may overturn it. That ruling binds the plan.
No starting point yet?
Request a benefits check from every program, against your plan.
Referral line: paid. Answered by a partner; listed programs do not answer it.
Data sources
- Payment data by facility — SAMHSA FindTreatment.gov.
- Mental health and substance abuse coverage (HealthCare.gov (CMS))
- Health plan appeals (HealthCare.gov (CMS))
- MHPAEA parity law (U.S. Department of Labor)
- The ASAM Criteria (ASAM)
- Treatment approaches for drug addiction (NIDA)
- Michigan Department of Health and Human Services.
Facility counts: SAMHSA snapshot, November 13, 2026.
Checked November 13, 2026 against the sources above; Michigan Rehab data desk. Methods.
Share:
Private insurance, answered
FAQ
Michigan rehabs accepting private insurance: how many?
387 of 451 facilities in Michigan, per SAMHSA's locator (November 13, 2026). Residential: 47. Detox: 47. Opioid medication: 135. Outpatient care: 364. Teens accepted: 238 of 387. Spanish-language services: 36. Openings at the 387: not in the listings; ask the program, or dial the referral line (paid; answered by a referral partner).
Residential rehab: covered by my insurance?
In most cases, yes, with two conditions: medical necessity under the plan's criteria, and a program that is in network or approved.
Full answer
Patient share: deductible plus coinsurance. Prior authorization first: required by most plans. Private insurance programs: 387. Residential care: 47. Medicaid also accepted: 348. Plan network: confirm with each, or dial the referral line (paid; answered by a referral partner).
Verification of benefits: what is it?
A program-to-insurer call. Topic: what the plan pays for your care — deductible, coinsurance, day limits, authorization rules.
Full answer
Result: get it in writing. High deductible after verification: cash accepted at 383 of 387, sliding fee scale at 180.
Top city by number of listings?
Detroit: 27. Next: Grand Rapids (15), Flint (14) and Saginaw (12).
Full answer
Detroit share: 68% of 40 listed programs. Cities with programs accepting private insurance in Michigan: 146. Top cities and each city's program share are in the table on this page.
Other payment options?
Of the 387, 348 take Medicaid, 332 take Medicare, 223 take TRICARE, 383 take cash, 180 use a sliding fee scale and 304 report public funding. Coverage pages: Medicaid, Medicare, TRICARE, no insurance, or calculate your share in the cost calculator.
Rehab payment in Michigan still unclear?
Plan acceptance: check with the programs listed above. Alternative: the referral line.
Call (231) 422-3921
Referral line: paid. Answered by a partner; listed programs do not answer it.
Rehab payment data