If an individual is addicted to drugs or alcohol and is seeking help, many effective substance abuse rehab facilities accept private health insurance. Whereas some outpatient and short term programs accept private health insurance, far more effective substance abuse treatment programs which provide an inpatient or residential stay for at least 90 days are also an available option. These rehab facilities which accept private health insurance can differ in terms of treatment curriculum, but those individuals who are covered by private health insurance are fortunate enough to have financial assistance when it comes to attending a drug or alcohol rehabilitation program. For more information, consult with an addiction specialist at a substance abuse rehabilitation center in your area to find out which programs your private health insurance will cover.