If you have private health insurance that covers rehab, you may be able to reduce the cost of addiction treatment. Depending on your level of coverage, your policy may include detox programs, inpatient rehab, and outpatient therapy. Understanding what your plan offers can help you access private rehab with fewer out-of-pocket expenses.
May cover detox, inpatient rehab, and therapy sessions
Reduces upfront costs for eligible treatments
Available to eligible veterans and ex-service personnel
Provides access to private rehab facilities
Private health insurance may cover key addiction treatments, depending on your level of hospital or extras cover. Eligible policies can fund withdrawal care at our Geelong medical detox hospital or long-term 90-day inpatient rehab at our Essendon home. Your extras may even assist with outpatient therapy, counselling, or relapse prevention.
Some policies require GP or specialist referrals, waiting periods, or co-payments. Our team can clarify your cover, explain any out-of-pocket costs, and help you explore rehab funding options to start treatment sooner.
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Private health insurance is the most popular rehab funding option amongst our clients. It makes our holistic recovery programs far more accessible, giving you access to the medical, physical and psychological care you’ll need for long-term sobriety.
With eligible hospital or extras cover, you may access detox, rehab programs, counselling, and psychiatric care — reducing wait times and lowering upfront costs so you can begin recovery faster.
In general, people with hospital cover that includes psychiatric or addiction treatment may be eligible to claim rehab costs. It’s important to check with your insurer to confirm what’s included in your specific plan.
Check your hospital and extras cover to confirm which addiction treatment services are included.
Speak with your private health fund to verify coverage details, referral requirements, and any potential gap payments.
Some policies require a GP or psychiatrist referral before approving claims for inpatient rehab or detox services.
Private insurance can reduce out-of-pocket costs for detox or short-term inpatient rehab at our Geelong facility. Your final rehab costs depend on your policy, excess, and provider terms. We’ll help confirm your coverage and calculate your contribution.
If you have private health insurance that covers rehab, we can help you confirm your benefits and guide you through the claims process. Contact us today to discuss your options.
The Hader Clinic offers two specialised treatment settings: hospital-based detox in Geelong and residential rehab in Essendon. Geelong provides 24/7 medical care to support safe withdrawal, while Essendon focuses on structured therapy, counselling, and holistic support. Together, they offer a flexible and comprehensive approach to lasting recovery.
Starting addiction treatment can feel overwhelming, but you don’t have to figure it out alone. Our team is here to listen, answer your questions, and help you understand your options. A personalised assessment can give you clarity on the right path forward and the funding solutions available to you. Reach out today—we're ready to support you.
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Determining whether your private health insurance covers rehab starts with reviewing your hospital cover for psychiatric, drug, and alcohol treatment benefits. Some policies offer full coverage, while others may only cover certain aspects like detox or inpatient care. Checking the fine print of your policy is important, as some insurers have waiting periods, restrictions, or specific eligibility criteria.
If this process feels overwhelming, you’re not alone. Many people find insurance policies confusing, which is why our team is here to help. We can walk you through your policy details, clarify what’s covered, and explore other funding options if needed.
Coverage depends on your insurer, policy type, and level of cover. Some plans fully cover inpatient rehab, medical detox, and therapy, while others require gap payments for certain services. Even if your plan provides coverage, you may still need to contribute towards accommodation fees, specialist services, or extended treatment stays.
If your policy does not fully cover rehab, you don’t have to navigate this alone. We can help you understand your expected costs and explore additional funding options to make treatment more affordable.
Some insurers require a GP or psychiatrist referral before approving claims for detox, inpatient rehab, or mental health-related addiction services. This is to ensure the treatment is medically necessary and aligns with your policy’s criteria.
If you’re unsure whether a referral is required, start by checking your policy or calling your insurer. If a referral is needed, we can guide you through the process and help you connect with the right healthcare professionals.
Yes — if your private health insurance doesn’t cover the full cost of rehab, you can combine it with other funding sources like superannuation, structured payment plans, or self-funding.
If your coverage leaves a gap in funding, we can explore options tailored to your financial situation and help you access the treatment you need without unnecessary stress.
No. If you hold a valid Gold or White DVA Health Card, your addiction treatment is fully funded. That means you won’t need to pay anything out of pocket for approved services, and there are no hidden fees. We want you to focus on getting better — not worrying about the cost.
If you don’t have private health insurance, you still have options to access addiction treatment. Many people without insurance choose to fund rehab through self-funding, structured payment plans, or government-assisted programs like NDIS or DVA.
If you’re unsure about the best way to finance treatment, our team can help you find a solution that works for your circumstances. Your recovery is important, and we’re here to support you in taking the next step.
