Rehabs That Take Molina Insurance: Campuses, Coverage and Costs

Most Molina Healthcare plans pay for addiction treatment in some form, though what they pay for depends on the plan you hold. Every Marketplace plan must cover substance use disorder treatment as an essential health benefit [1], and federal parity rules limit how much harder a plan can make that care to get than medical care [2].

The quickest way to know what your own plan pays is to verify your insurance before you choose a program. This page lists our campuses that take Molina and which Molina plan types each one takes. It then explains which Molina product you may have, how Molina Medicaid works in Texas, Florida and Massachusetts, what the benefit usually covers, what you may pay and how to check it step by step. For the wider picture across carriers, see our guide to insurance coverage for rehab.

Rehabs That Take Molina: Our In-Network Campuses

Which Molina plan you hold, and why it matters

The list above does not say “Molina” and stop there. It names plan types for each campus, such as commercial plans or Medicaid, and for some campuses it limits the services. So the first job is to find out which Molina product is on your card. In its most recent annual report to the U.S. Securities and Exchange Commission, Molina Healthcare, Inc. says it provides managed healthcare services under the Medicaid and Medicare programs, and through the state insurance marketplaces [15].

Look at the front of the card. Words like Medicaid, a state program name, Marketplace or Medicare tell you what kind of plan it is. Then match it to the list. A campus listed for Molina commercial plans and a campus listed for Molina Medicaid are answering two different questions.

• Medicaid. Medicaid is run with your state. The next section covers the three states where our list names Molina Medicaid.
• Commercial or Marketplace. Marketplace plans must meet the essential health benefit rules covered further down this page [1]. A plan through an employer works from its own plan documents, so ask the plan what it covers. Either way, check the plan year printed on your documents.
• Medicare. If your card says Medicare, read our page on Medicare coverage for rehab as well, and ask admissions to check that exact plan.

If you are comparing carriers, our page on Ambetter coverage for rehab covers another carrier’s benefits.

Molina Medicaid in Texas, Florida and Massachusetts

Medicaid is run state by state, so a Molina Medicaid card in Texas and one in Massachusetts sit inside different programs with different rules. Here is what each state’s own Medicaid pages say, for the three states in our list.

Texas

Texas lists its Medicaid and CHIP programs as STAR, STAR Kids, STAR Health, STAR+PLUS and CHIP [3]. If you are not in one of those programs, you may have Traditional Medicaid [3]. Knowing which program you are in helps, because the program sets the rules and the plan applies them.

Texas Health and Human Services says most Medicaid services are delivered through health plans [3]. It tells members with questions about their care to contact their health plan, and says the plan’s phone number and website are listed on the health plan ID [3]. That card is your starting point. Our page on Texas Medicaid and rehab explains the STAR programs in more depth.

Florida

Florida’s Agency for Health Care Administration runs the Statewide Medicaid Managed Care program, and says most Florida Medicaid recipients are enrolled in it [4]. AHCA also says Medicaid pays for community behavioral health services, including substance use services, and that this is one of the minimum covered services for all Managed Medical Assistance plans [5]. Our page on Florida Medicaid and addiction treatment has more.

Massachusetts

MassHealth pays for behavioral health and substance use disorder services [6]. If you are in a private health plan through MassHealth, the state says to call that plan’s member services for the names of behavioral health and substance use disorder providers who take part in it [6]. For every state together, see our list of rehabs that take Medicaid.

What a Molina plan usually covers for addiction treatment

Start with the floor. All Marketplace plans must cover behavioral health treatment such as counseling, inpatient mental and behavioral health services, and substance use disorder treatment [1]. They cannot put yearly or lifetime dollar limits on those benefits [1]. Your exact benefits still depend on your state and the plan you chose [1].

Under the Mental Health Parity and Addiction Equity Act, a plan that covers mental health and substance use care may not apply harsher limits to it than it applies to medical and surgical care [2]. That reaches money rules like copays and coinsurance, and treatment limits like caps on visits [2]. The scope is worth knowing: it applies to non-federal governmental plans with more than 50 employees, to group health plans of private employers with more than 50 employees, and to the individual market [2]. Plans from small employers are not covered directly; they get comparable protection through the Affordable Care Act’s essential health benefits requirement [2].

Parity has a limit of its own. It controls how a plan treats this care. It does not force a plan to cover it in the first place [2].

Two more words decide most coverage questions. The first is “medically necessary.” That means care needed to diagnose or treat a condition that meets accepted standards of medicine [7]. The second is preauthorization, also called prior authorization. It is the plan’s decision that a service is medically necessary [8]. A plan may require it before certain services, except in an emergency [8]. And preauthorization is not a promise that the plan will pay [8].

In practice, a plan looks at each level of care on its own. That includes medical detox, inpatient rehab, partial hospitalization and intensive outpatient programs. Ask about each one by name.

Benefits also change from year to year. Check the current benefit rather than rely on last year’s answer, even if you have used the same Molina plan before.

What you may pay with Molina

What you pay depends on your plan’s cost-sharing terms. Three terms do most of the work.

Your deductible is the amount you pay for covered services before your plan starts to pay [9]. After you meet it, you usually pay only a copayment or coinsurance, and the plan pays the rest [9]. Coinsurance is the percentage of a covered service’s cost that you pay after the deductible [10]. If your coinsurance is 20% and the allowed amount for a visit is $100, you pay $20 [10].

The out-of-pocket maximum is the most you pay for covered services in a plan year [11]. Once you reach it through deductibles, copayments and coinsurance for in-network care, the plan pays 100% of covered benefits [11]. For a Marketplace plan in 2026, that limit is no more than $10,600 for one person or $21,200 for a family [11]. A long stay can reach it, so ask what yours is.

Medicaid works differently. In Massachusetts, for example, MassHealth members, including those in managed care plans, do not pay copayments for MassHealth covered services [6]. In other states, ask your plan what, if anything, you owe.

For a sense of scale before insurance, our own cost page puts detox at $250 to $800 a day and 30 days of basic residential care at $2,000 to $20,000. Those are our published ranges, not official figures. See what rehab costs for the full list.

How to check your Molina benefits, step by step

A benefits check takes one call if you have the right questions ready.

1. Find the product on your card. Note whether it says Medicaid, a state program name, Marketplace or Medicare, and write down your member ID.
2. Call the number on your card. In Texas, the state says the plan’s phone number and website are on your health plan ID [3]. Other plans print it in the same place.
3. Ask about substance use treatment by level of care. Name detox, residential, partial hospitalization and intensive outpatient separately.
4. Ask whether each level needs preauthorization. Remember that approval is not a promise to pay [8].
5. Ask what you will owe. Get your deductible, how much of it you have met, your coinsurance or copay and your out-of-pocket maximum.
6. Ask whether a campus you are considering is in the plan’s network. Give the campus name and city.
7. Write it all down. Record the date, the name of the person you spoke to and any reference number.

You can skip most of this by letting admissions run the check for you. Use the verify link above, or call the campus you are considering. Our page on how admission works walks through what happens next, and our Houston campus page shows what that campus runs.

If your Molina plan is out of network

A plan’s network is the facilities and providers it has contracted with to provide care [12]. Going outside it can cost more, in two ways.

First, out-of-network care does not count toward your out-of-pocket maximum [11]. Neither do costs above the plan’s allowed amount [11]. Second, a provider outside the network may balance bill you. That means billing you for the difference between its charge and the plan’s allowed amount [13]. A preferred provider may not balance bill you for covered services [13].

If your plan turns down a claim or a request, you can appeal, and the deadline depends on the kind of plan. HealthCare.gov says you must file an internal appeal with an insurer within 180 days of getting notice that your claim was denied [14]. Medicaid managed care plans, such as Molina Medicaid, work on a shorter clock: federal rules give you 60 calendar days from the date on the plan’s notice to ask the plan for an appeal [16]. Keep copies of every letter, and notes of every call with the date and the person’s name [14].

If a campus you want is not in your plan’s network, ask admissions what your options are. They can check other campuses in our list against your exact plan.

Frequently Asked Questions

Sources

1. HealthCare.gov. (2026). Mental health & substance abuse coverage. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
2. Centers for Medicare & Medicaid Services. (2026). The Mental Health Parity and Addiction Equity Act (MHPAEA). CMS. https://www.cms.gov/marketplace/private-health-insurance/mental-health-parity-addiction-equity
3. Texas Health and Human Services. (2026). Medicaid and CHIP Members. Texas Health and Human Services. https://www.hhs.texas.gov/services/health/medicaid-chip/medicaid-chip-members
4. Florida Agency for Health Care Administration. (2026). Statewide Medicaid Managed Care. Florida Agency for Health Care Administration. https://ahca.myflorida.com/medicaid/statewide-medicaid-managed-care.html
5. Florida Agency for Health Care Administration. (2026). Community Behavioral Health Services. Florida Agency for Health Care Administration. https://ahca.myflorida.com/medicaid/medicaid-policy-quality-and-operations/medicaid-policy-and-quality/medicaid-policy/medical-and-behavioral-health-coverage-policy/behavioral-health-and-health-facilities/community-behavioral-health-services.html
6. MassHealth. (2026). MassHealth Covered Services. Mass.gov. https://www.mass.gov/info-details/masshealth-covered-services
7. HealthCare.gov. (2026). Glossary: Medically necessary. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/medically-necessary/
8. HealthCare.gov. (2026). Glossary: Preauthorization. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/preauthorization/
9. HealthCare.gov. (2026). Glossary: Deductible. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/deductible/
10. HealthCare.gov. (2026). Glossary: Coinsurance. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/co-insurance/
11. HealthCare.gov. (2026). Glossary: Out-of-pocket maximum/limit. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/
12. HealthCare.gov. (2026). Glossary: Network. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/network/
13. HealthCare.gov. (2026). Glossary: Balance billing. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/glossary/balance-billing/
14. HealthCare.gov. (2026). Internal appeals. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/appeal-insurance-company-decision/internal-appeals/
15. Molina Healthcare, Inc. (2026). Annual report on Form 10-K for the fiscal year ended December 31, 2025 (Part I, Item 1, Business). U.S. Securities and Exchange Commission. https://www.sec.gov/Archives/edgar/data/1179929/000117992926000005/moh-20251231.htm
16. Electronic Code of Federal Regulations. (2026). 42 CFR 438.402: General requirements. National Archives and Records Administration. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-F/section-438.402

This page is for general information and is not medical advice. Only a licensed clinician who knows your history can tell you what is right for you. If you or someone you know is in immediate danger, call 911. For free, confidential support 24/7, call or text 988.

Author

Kevin Wandler, MD

Chief Medical Officer, The Recovery Village