Does Curative Cover Drug & Alcohol Rehab in Texas?

What Does Curative Cover for Addiction Treatment?

Under the federal Mental Health Parity and Addiction Equity Act (MHPAEA), most commercial health plans — including Curative — are required to cover substance use disorder treatment on par with medical and surgical benefits. That means most Curative plans include coverage for the following levels of care:

• Medical Detox — Medically supervised withdrawal management, often the critical first step. Learn more about Nova’s medical detox program.
• Residential Inpatient Treatment — 24-hour structured care in a safe, supportive environment. See our residential treatment program.
• Partial Hospitalization Program (PHP) — Step-down care with intensive daily programming, without overnight stays.
• Intensive Outpatient Program (IOP) — Typically 9+ hours of therapy per week, allowing clients to live at home or in sober living. Explore Nova’s Intensive Outpatient Program (IOP).
• Medication-Assisted Treatment (MAT) — FDA-approved medications like buprenorphine or naltrexone paired with counseling. Read about our medication-assisted treatment (MAT) services.
• Individual and Group Therapy — Evidence-based modalities including cognitive behavioral therapy (CBT) and motivational interviewing.
• Aftercare Planning and Continuing Care — Covered support services to sustain recovery after primary treatment ends.

According to NIDA’s treatment research, longer stays in treatment and continuity of care are strongly associated with better recovery outcomes — which is why understanding the full scope of your Curative benefits matters so much from the start.

What Might Curative Not Cover for Rehab?

While Curative plans cover the core levels of addiction treatment, some services may be subject to limitations or exclusions depending on your specific plan. These can include:

• Luxury or resort-style amenities that go beyond clinical necessity
• Out-of-network providers (if your plan is an HMO or narrow-network PPO)
• Extended residential stays beyond the authorized length approved by Curative’s utilization review team
• Certain experimental or non-evidence-based therapies
• Treatment for co-occurring conditions that require separate pre-authorization

The best way to know exactly what your plan covers is a live benefits verification. Our team does this every day — call (512) 309-5743 and we’ll have answers for you fast.

What Are Typical Curative Deductibles and Copays for Rehab?

Out-of-pocket costs vary widely across Curative plan tiers, but here are general ranges our admissions team sees most often:

• Annual deductible: $500–$3,000 for individuals, depending on plan tier
• Inpatient rehab copay/coinsurance: 10%–30% after deductible is met
• Outpatient (IOP/PHP) copay: $20–$75 per session, or 10%–20% coinsurance
• Out-of-pocket maximum: Most ACA-compliant plans cap individual out-of-pocket costs at $9,450 or less (2024 federal limit)

These are estimates only. Federal out-of-pocket maximum guidelines set the ceiling, but your actual costs depend on your specific Curative plan. Let us pull the exact numbers for you — it takes about 10 minutes and costs you nothing.

Once your benefits are confirmed, our team can walk you through the admissions process at Nova step by step. Most clients are admitted within 24–48 hours of their initial call.

If you believe Curative has improperly denied a covered addiction treatment benefit, you may have rights under the federal mental health parity law. Visit our mental health parity rights resource page or ask our admissions team for help navigating an appeal. You can also review your rights through the SAMHSA mental health and substance use disorder resource center.