Insurance Coverage for Addiction Treatment in Indiana: Types Plans and Coverage

Insurance coverage for addiction in Indiana confronts a staggering addiction crisis, with approximately 1.1 million residents aged 12 and older experiencing substance use disorders, yet 87% of them do not receive needed specialty treatment (SAMHSA, 2022).

The main types of insurance that cover addiction treatment in Indiana are Medicaid through the Healthy Indiana Plan, serving 700,000 enrollees, private commercial insurance covering 38-42% of Hoosiers through carriers like Anthem Blue Cross Blue Shield, and Medicare serving 1.1 million beneficiaries with opioid use disorder nationally.

Indiana Medicaid covers comprehensive addiction treatment services, including all FDA-approved medications (methadone, buprenorphine, naltrexone) without prior authorization, outpatient counseling, inpatient rehabilitation, and recovery support services.

Private insurance plans cover substance use disorder treatment through federal parity laws requiring equal coverage with medical care, while ACA Marketplace plans include addiction treatment as essential health benefits.

Medicare expanded coverage in 2020 to include opioid treatment programs for the first time. Despite expanded coverage, significant gaps persist—only 5% of Indiana Medicaid enrollees with opioid use disorder receive treatment, with demographic factors creating disparities across gender, race, and age. Treatment utilization remains low due to provider capacity constraints, under-detection of disorders, and retention challenges.

Recent policy changes covering Medicaid unwinding disrupted coverage for 479,000 Hoosiers, though 125,000 successfully transitioned to Marketplace plans. Indiana residents navigate coverage through the 2-1-1 helpline and state resources.

What Are the Main Types of Insurance Plans That Cover Addiction Treatment in Indiana?

The main types of insurance plans that cover addiction treatment in Indiana are Medicaid, private commercial insurance, and Medicare. The types and coverage levels are elaborated below:

• Medicaid (Healthy Indiana Plan – HIP): Serves about 700,000 Hoosiers as of 2023, far surpassing the program’s original enrollment estimate of 200,000. It provides extensive addiction treatment coverage, including inpatient, outpatient, and medication-assisted therapy.
• Private commercial insurance: Represents the largest share of Indiana’s insurance market. Anthem Blue Cross and Blue Shield covers 38–42% of residents with private plans, while CareSource, UnitedHealthcare, Cigna, and Ambetter also offer substance use disorder coverage options.
• Medicare: Covers approximately 1.1 million beneficiaries nationally diagnosed with opioid use disorder. Despite expanded coverage, only 18% currently receive medication-assisted treatment under Medicare.
• Parity law compliance: Federal regulations require that addiction treatment be covered on equal terms with medical and surgical services, prohibiting discriminatory limits or higher copayments.
• Provider participation rates: Indiana shows strong acceptance levels, with 87.6% of treatment facilities accepting Medicaid, 68% accepting Medicare, and 67% accepting private insurance, exceeding national participation averages.

How Does Indiana Medicaid Cover Addiction Treatment Services?

Indiana Medicaid covers addiction treatment services through the Healthy Indiana Plan, which serves approximately 700,000 enrollees as of 2023 and provides comprehensive benefits like all FDA-approved medications for opioid use disorder without prior authorization requirements.

The program operates with POWER accounts requiring member contributions, but individuals classified as “medically frail”—including those with serious substance use disorders—receive exemptions from cost-sharing requirements and access enhanced benefits.

HIP’s comprehensive benefit package covers the full continuum of substance use disorder services, including methadone, buprenorphine, and naltrexone, along with outpatient counseling, inpatient rehabilitation stays, and recovery support services like peer recovery coaching.

A critical expansion occurred in 2018 when Indiana received federal approval for an SUD waiver, enabling Medicaid coverage of short-term residential substance abuse treatment and certification of new residential treatment providers previously excluded from the program.

Despite this expanded coverage, significant treatment gaps persist, with only about 5% of Indiana Medicaid enrollees diagnosed with opioid use disorder receiving any addiction treatment services, revealing barriers beyond simple coverage availability.

What Addiction Treatment Services Does the Healthy Indiana Plan Cover?

The Healthy Indiana Plan covers all FDA-approved medications for opioid use disorder—methadone, buprenorphine, and naltrexone—without prior authorization requirements, along with comprehensive outpatient counseling services, inpatient rehabilitation programs, and residential treatment stays.

HIP’s coverage expanded significantly through Indiana’s 2018 SUD waiver, which enabled payment for short-term residential facilities previously excluded from Medicaid reimbursement. Over 15,000 Medicaid members accessed outpatient addiction counseling in fiscal year 2022, while several thousand received residential treatment through these covered benefits. Recovery support services under HIP are peer recovery coaching, recovery housing assistance, and naloxone coverage with minimal or no copay requirements.

The plan covers smoking cessation programs and alcohol use disorder treatment alongside opioid addiction services, recognizing the need for comprehensive substance use coverage.

Members classified as “medically frail”—including those with serious substance use disorders—receive enhanced benefits and are exempt from POWER account cost-sharing requirements. HIP’s benefit structure addresses critical treatment barriers, with 87.6% of Indiana’s substance use treatment facilities accepting Medicaid insurance as of 2022, higher than the national average of 74%.

Who Qualifies for Medicaid Addiction Treatment Coverage in Indiana?

Those who qualify for Medicaid addiction treatment coverage in Indiana include adults earning up to 138% of the federal poverty level (approximately $20,120 annually for individuals in 2024), with enrollment reaching roughly 700,000 residents by 2023.

Individuals with serious substance use disorders qualify for “medically frail” designations under HIP, which exempts them from POWER account contributions and cost-sharing requirements while providing enhanced benefits, such as comprehensive addiction treatment services. The post-pandemic Medicaid “unwinding” process created substantial coverage disruptions, with Indiana disenrolling approximately 479,000 people from Medicaid by June 2024 as eligibility checks resumed.

More than 125,000 Hoosiers who lost Medicaid coverage successfully transitioned to ACA Marketplace plans through extended special enrollment periods, helping prevent treatment interruptions.

Coverage disparities persist despite expanded eligibility, as only 5% of Indiana Medicaid enrollees diagnosed with opioid use disorder received any addiction treatment. Women comprise 56% of Indiana Medicaid enrollees with opioid use disorder, yet remain less likely than men to receive medication-assisted treatment, while male enrollees are 37% more likely to receive detox services and 28% more likely to receive agonist medications.

How Do Private Insurance Plans Cover Substance Use Disorder Treatment in Indiana?

Private insurance plans cover substance use disorder treatment in Indiana by complying with federal parity laws that mandate coverage at the same level as medical and surgical care, prohibiting higher copays or stricter coverage limits for addiction services.

The Affordable Care Act reinforced these requirements by designating SUD treatment as an essential health benefit for all marketplace plans, ensuring comprehensive coverage across six ACA insurers operating in Indiana in 2024.

Major carriers like Anthem Blue Cross and Blue Shield, which cover 38-42% of privately insured Hoosiers, must provide full access to outpatient counseling, inpatient rehabilitation, and medication-assisted treatment without discriminatory barriers.

Leading Indiana insurers have eliminated prior authorization requirements for medication-assisted treatment, with Anthem, Cigna, and Aetna dropping prior authorization for buprenorphine and other opioid addiction medications by 2017.

Cigna’s expanded MAT access program demonstrated measurable results, achieving an 18% reduction in opioid overdose deaths among participating members and a 25% decrease in overall opioid use by 2018. Coverage expansion through private insurance has increased treatment utilization significantly, with private insurers’ share of SUD treatment expenditures rising from 19% to 28% between 2010 and 2018 nationally.

Which Private Insurance Companies Offer Addiction Treatment Coverage in Indiana?

The private insurance companies offering addiction treatment coverage in Indiana include Anthem Blue Cross Blue Shield, CareSource, UnitedHealthcare, Ambetter/Centene, and Cigna, each providing comprehensive substance use disorder benefits. The table below explains things:

Private Insurance Company	Addiction Treatment Coverage Details in Indiana
Anthem Blue Cross Blue Shield	Dominates Indiana’s private insurance market with 38–42% share. Provides comprehensive substance use disorder coverage through both commercial plans and Medicaid managed care contracts. Eliminated prior authorization requirements for buprenorphine and other medication-assisted treatments by 2017, removing significant barriers to opioid addiction care.
CareSource	Operates as a major nonprofit health plan serving over 2 million members across five states. Captured 86% of new Indiana Marketplace enrollees during the 2021 special enrollment period, expanding access to addiction treatment services.
UnitedHealthcare	Expanded its Indiana presence through Medicaid programs such as Hoosier Care Connect and by launching individual marketplace plans in 2024, broadening consumer access to addiction treatment coverage.
Ambetter/Centene	Offers marketplace-based addiction treatment coverage as part of its behavioral health services. Provides substance use disorder care aligned with federal parity laws ensuring equivalent coverage to medical and surgical benefits.
Cigna	Implemented innovative substance use disorder initiatives, achieving a 25% reduction in opioid use among covered members by 2018 through prescription safeguards and expanded treatment access.
Federal Parity Laws	Require all major Indiana insurers to provide addiction treatment coverage comparable to medical and surgical care, ensuring equitable access for individuals seeking recovery.

What Addiction Treatment Services Do ACA Marketplace Plans Cover?

ACA Marketplace plans cover addiction treatment services like outpatient counseling, inpatient rehabilitation, detoxification services, and FDA-approved medications for opioid use disorder as mandated by federal law.

Six marketplace insurers operating in Indiana—Anthem Blue Cross and Blue Shield, CareSource, Ambetter (Centene), UnitedHealthcare, Cigna, and others—provide comprehensive addiction treatment coverage as part of the ten essential health benefits required under the Affordable Care Act.

Mental health parity laws require these insurers to cover addiction treatment on equal terms with medical and surgical care, preventing higher copays or stricter limits on substance use disorder services. Coverage encompasses the complete continuum of addiction care from initial intervention through long-term recovery support, including individual and group counseling, intensive outpatient programs, and medication management.

Major insurers eliminated prior authorization requirements for buprenorphine and other addiction medications by 2017, removing significant barriers to treatment access. Medication-assisted treatment represents a critical covered benefit, with marketplace plans required to cover methadone, buprenorphine, and naltrexone for opioid use disorder. Plans also cover naloxone (Narcan) with minimal or no copay requirements, supporting overdose prevention efforts throughout the state.

How Does Medicare Cover Addiction Treatment for Indiana Residents?

Medicare covers addiction treatment for Indiana residents through comprehensive benefits that expanded significantly in 2020 when the program began covering opioid treatment programs for the first time, allowing beneficiaries to access methadone maintenance therapy and comprehensive addiction services previously excluded.

This historic change addressed a critical gap for seniors and disabled individuals, as 1.1 million Medicare beneficiaries nationwide have opioid use disorder, yet only 18% receive medication-assisted treatment despite coverage availability.

The low utilization rate reveals persistent barriers, including provider availability, geographic access challenges, and beneficiary awareness of covered services. Coverage disparities significantly impact treatment access among Medicare enrollees with addiction disorders, as 52,000 Medicare beneficiaries experienced opioid overdoses in 2022.

Beneficiaries without low-income subsidies and certain racial/ethnic minorities face substantially lower rates of buprenorphine treatment compared to other Medicare enrollees.

Medicare’s comprehensive addiction treatment coverage now includes all FDA-approved medications for opioid use disorder—methadone, buprenorphine, and naltrexone—along with counseling services and intensive outpatient programs. The program covers both individual and group therapy sessions, case management services, and medically supervised withdrawal management when medically necessary.

What Are the Coverage Gaps and Barriers in Indiana’s Insurance System for Addiction Treatment?

The coverage gaps and barriers in Indiana’s insurance system for addiction treatment include massive underutilization despite expanded coverage options, with only 5% of Indiana Medicaid enrollees diagnosed with opioid use disorder receiving any addiction treatment.

Approximately 1.1 million Indiana residents aged 12 and older had a substance use disorder in 2021, with 87% not receiving needed specialty treatment, suggesting barriers beyond simple insurance availability. Gender disparities create significant access inequities within Indiana’s Medicaid system, as male Medicaid enrollees with opioid use disorder were 37% more likely to receive detox services and 28% more likely to receive agonist medication compared to female enrollees.

This gap persists despite women comprising 56% of Indiana Medicaid enrollees with opioid use disorder, indicating systemic barriers that prevent women from accessing medication-assisted treatment at equivalent rates.

Racial disparities further fragment treatment access across Indiana’s insurance landscape, with only 4 in 10 Black Medicaid enrollees with opioid use disorder receiving medication treatment compared to nearly 7 in 10 White enrollees.

Age-related barriers compound these inequities, as only 12% of adolescents with diagnosed substance use disorders received medication treatment compared to substantially higher rates among adults ages 27-44.

Why Do Treatment Utilization Rates Remain Low Despite Insurance Coverage?

Treatment utilization rates remain low despite insurance coverage because significant barriers prevent most Hoosiers from accessing needed substance use treatment, with approximately 955,000 Indiana residents who needed treatment not receiving it in 2021, representing 87% of those with substance use disorders.

Provider capacity constraints severely limit available treatment slots, while geographic access issues particularly affect rural counties where overdose rates continue rising even as urban areas see stabilization.

Under-detection of substance use disorders in clinical settings creates a massive diagnostic gap that prevents appropriate treatment referrals, as survey data suggests 18% of Medicaid enrollees have substance use disorders while only 7.2% receive formal SUD diagnoses in healthcare settings.

Among Indiana Medicaid enrollees who do receive opioid use disorder diagnoses, only 5% received any addiction treatment according to a recent claims analysis. Gender and racial disparities compound access challenges, with male Medicaid enrollees 37% more likely to receive detox services and 28% more likely to receive medication-assisted treatment than female enrollees.

Treatment retention represents another critical barrier, with less than half of patients remaining in medication treatment after 6 months, and retention rates dropping significantly for those with multiple substance use issues.

How Do Demographic Factors Affect Access to Covered Addiction Treatment Services?

Demographic factors affect access to covered addiction treatment services by creating stark disparities in treatment utilization across gender, race, and age groups despite insurance coverage availability.

Women comprise 56% of Indiana Medicaid enrollees with opioid use disorder, yet receive way less medication-assisted treatment than men, with male enrollees 37% more likely to receive detox services and 28% more likely to receive agonist medications like methadone or buprenorphine. This gender gap persists despite women representing the majority of those diagnosed with opioid use disorder in the state’s Medicaid population.

Racial disparities further compound access barriers within Indiana’s insured populations, as White Medicaid enrollees were significantly more likely to receive detox and counseling services while non-White enrollees had greater access to agonist medications.

Nationally, only 4 in 10 Black Medicaid enrollees with opioid use disorder received medication treatment compared to nearly 7 in 10 White enrollees with the same condition. Age-related treatment gaps create additional obstacles for younger patients seeking addiction services through Medicaid coverage, with only approximately 12% of adolescents with diagnosed substance use disorders receiving medication treatment compared to substantially higher rates among adults ages 27–44.

What Treatment Services Are Most Commonly Covered by Indiana Insurance Plans?

The treatment services most commonly covered by Indiana insurance plans are outpatient counseling and medication-assisted treatment, with 87.6% of treatment facilities accepting Medicaid coverage and comprehensive benefits available across all major insurance types.

Indiana Medicaid covers all FDA-approved medications for opioid use disorder, like methadone, buprenorphine, and naltrexone, and has eliminated prior authorization requirements to reduce access barriers. Major private insurers like Anthem, Cigna, and Aetna similarly dropped prior authorization requirements for buprenorphine by 2017, streamlining access to these critical medications.

Service utilization data reveal that 75% of diagnosed Medicaid enrollees use some form of substance use treatment, though participation rates vary significantly by service type, with counseling and MAT services showing higher utilization compared to residential treatment or recovery housing programs.

Coverage disparities emerge across demographic lines, with male Medicaid enrollees 37% more likely to receive detox services and 28% more likely to receive agonist medications than female enrollees. The Healthy Indiana Plan’s comprehensive benefit package covers the full continuum of addiction services, including outpatient therapy, inpatient rehabilitation, medications for addiction treatment, and recovery support services, with medically frail enrollees exempt from cost-sharing requirements.

How Well Do Indiana Treatment Facilities Accept Different Insurance Types?

Indiana treatment facilities accept different insurance types with strong participation across major coverage sources, as 87.6% accept Medicaid compared to the national average of 74%, while 68% accept Medicare and 67% accept private insurance. Medicaid acceptance increased by 1.9 percentage points from 2021 to 2022, reflecting growing provider participation in public insurance programs and creating broad accessibility for patients regardless of coverage source.

The high Medicaid acceptance rate proves particularly significant since 21% of Medicaid enrollees nationwide have substance use disorders compared to 16% of commercially insured individuals. Indiana’s Healthy Indiana Plan covers approximately 700,000 residents and offers comprehensive addiction treatment benefits, such as outpatient therapy, inpatient rehabilitation, medication-assisted treatment, and recovery support services without cost-sharing requirements for medically frail enrollees.

The state’s 2018 Medicaid SUD waiver expanded coverage to incorporate short-term residential treatment and enabled certification of additional residential providers. Private insurance coverage operates under federal parity requirements mandating equal treatment limits and copayments for addiction services compared to medical conditions. Medicare’s 2020 expansion to cover opioid treatment programs incorporating methadone maintenance created new access points, though only 18% of Medicare beneficiaries with opioid use disorder currently receive medication-assisted treatment.

What Medications for Addiction Treatment Are Covered by Insurance in Indiana?

The medications for addiction treatment covered by insurance in Indiana include all three FDA-approved medications for opioid use disorder: methadone, buprenorphine, and naltrexone, with prior authorization requirements eliminated across Medicaid and major private insurers to reduce access barriers.

Indiana Medicaid through the Healthy Indiana Plan serves approximately 700,000 enrollees and provides comprehensive addiction treatment benefits, medication-assisted treatment without prior authorization.

Medicaid expansion boosted treatment access, with buprenorphine prescription rates increasing 113% in expansion states compared to only 50% in non-expansion states.

Private insurance plans operating in Indiana, including Anthem Blue Cross Blue Shield, CareSource, and Cigna, must comply with federal parity laws requiring substance use disorder coverage equivalent to medical and surgical benefits.

Major insurers eliminated prior authorization requirements for buprenorphine and other opioid addiction medications by 2017, removing significant treatment barriers. All Affordable Care Act marketplace plans available through insurers like Ambetter and UnitedHealthcare include substance use disorder treatment as a critical health benefit.

Medicare coverage expanded substantially in January 2020 when the program began covering opioid treatment programs, methadone maintenance therapy, for the first time in its history, though utilization remains low, with only 18% of Medicare beneficiaries with opioid use disorder receiving medication-assisted treatment.

How Have Recent Policy Changes Affected Insurance Coverage for Addiction Treatment?

Recent policy changes have affected insurance coverage for addiction treatment by creating significant disruptions through the Medicaid unwinding process that began in 2023, with approximately 479,000 people disenrolled from Indiana Medicaid by June 2024 as eligibility checks resumed. This massive coverage loss raised serious concerns about treatment continuity, particularly for individuals with substance use disorders who require consistent access to medications and ongoing care.

States experiencing the largest Medicaid coverage losses during unwinding saw more opioid treatment disruptions, with patients becoming less likely to continue buprenorphine therapy and more likely to pay cash for treatment. Special enrollment periods and transition programs helped mitigate some coverage gaps, as more than 125,000 Hoosiers who lost Medicaid coverage successfully transitioned into ACA Marketplace plans through extended special enrollment periods designed to prevent treatment interruptions.

These transition mechanisms proved critical given that continuous insurance coverage significantly improves treatment outcomes, with individuals maintaining health coverage having substantially higher treatment retention rates and lower relapse and overdose rates.

Coverage disruptions highlighted existing treatment access challenges within Indiana’s Medicaid system, where women comprised 56% of enrollees with opioid use disorder, yet were less likely than men to receive medication-assisted treatment, with disparities becoming more pronounced during coverage transitions.

What Was the Impact of Medicaid Expansion on Addiction Treatment Access in Indiana?

The impact of Medicaid expansion on addiction treatment access in Indiana includes enrollment surging from initial projections of 200,000 members to 700,000 actual enrollees by 2023 through the Healthy Indiana Plan, directly translating into increased treatment utilization.

Expansion states experienced a 36% increase in substance use disorder treatment utilization compared to non-expansion states four years after implementation. The coverage expansion particularly benefited medication-assisted treatment availability, as buprenorphine prescription rates increased by 113% in Medicaid expansion states versus approximately 50% in non-expansion states following ACA implementation.

The insurance coverage improvements fundamentally altered the financial landscape of addiction treatment admissions across Indiana, with uninsured treatment admissions dropping by 50% following Medicaid expansion nationally.

By 2022, approximately 87.6% of Indiana’s substance use treatment facilities accepted Medicaid insurance, exceeding the national average of 74% and reflecting robust provider participation in the expanded program. Despite coverage gains, significant treatment gaps persist among Indiana’s Medicaid population, as only 5% of Indiana Medicaid enrollees diagnosed with opioid use disorder received any addiction treatment.

Gender disparities emerged within the covered population, with male Medicaid enrollees 37% more likely to receive detox services and 28% more likely to receive agonist medications compared to female enrollees.

How Did COVID-19 and Medicaid Unwinding Affect Coverage Continuity?

COVID-19 and Medicaid unwinding affected coverage continuity by fundamentally transforming enrollment patterns, with Medicaid enrollment surging to over 2 million people in Indiana during the pandemic—representing approximately 30% of the state’s population—because federal emergency declarations prevented states from disenrolling beneficiaries.

This dramatic expansion ensured continuous coverage for substance use disorder treatment during a critical period, allowing individuals with opioid use disorder to maintain uninterrupted access to medication-assisted treatment, counseling services, and recovery support programs.

The post-pandemic “unwinding” process created unprecedented disruptions in treatment continuity as states resumed normal eligibility operations, with Indiana disenrolling approximately 479,000 people from Medicaid by June 2024. However, mitigation efforts helped prevent complete treatment abandonment, as more than 125,000 Hoosiers who lost Medicaid coverage successfully transitioned into ACA Marketplace plans through extended special enrollment periods.

Research from the University of Michigan documented substantial treatment disruptions in states experiencing the largest Medicaid disenrollment rates, finding that patients were significantly less likely to continue buprenorphine therapy and showed increased reliance on cash payments for opioid use disorder medications. These coverage interruptions created particular risks for overdose deaths, as continuous insurance access remains essential for maintaining medication-assisted treatment protocols.

What Are the Costs and Economic Benefits of Insured Addiction Treatment in Indiana?

The costs and economic benefits of insured addiction treatment in Indiana are substantial economic returns, with every $1 spent on treatment generating $4-7 in savings through decreased healthcare costs, criminal justice expenses, and elevated productivity. The table explains this below:

Factor	Costs and Economic Benefits of Insured Addiction Treatment in Indiana
Economic Return on Investment	Every $1 spent on addiction treatment generates $4–$7 in savings through reduced healthcare costs, criminal justice expenses, and increased workplace productivity.
Statewide Financial Burden	Opioid misuse costs Indiana over $4 billion annually—about $11 million per day—due to healthcare expenses, lost productivity, and criminal justice impacts.
Healthcare System Costs	Non-fatal overdoses are costly, with hospital admissions for opioid overdose averaging over $10,000 per case, much of which is covered by Medicaid and uninsured care funds.
Insurance Coverage Impact	Proven to be highly cost-effective. Expansion states saw 36% more people in substance use disorder (SUD) treatment than non-expansion states four years after implementation.
Medicaid Expansion (Healthy Indiana Plan)	Proven highly cost-effective. Expansion states saw 36% more people in substance use disorder (SUD) treatment than non-expansion states four years after implementation.
Long-Term Economic Benefits	Individuals receiving adequate addiction treatment show higher employment rates, greater productivity, and contribute more to the economy through tax revenue while relying less on social services.

How Can Indiana Residents Navigate Insurance Coverage for Addiction Treatment?

Indiana residents can navigate insurance coverage for addiction treatment by utilizing the state’s 2-1-1 helpline, which connects residents to addiction treatment resources and insurance navigation support, fielding thousands of calls annually from people seeking coverage guidance.

The Be Well crisis line provides immediate assistance for substance use emergencies while helping callers understand their insurance options and available covered services. These state resources operate regardless of insurance status and can explain how to access treatment through Medicaid, private insurance, or state-funded programs for uninsured individuals.

Federal parity laws mandate that Indiana insurers cover addiction treatment comparably to medical and surgical care, preventing higher copays or stricter limits on substance use disorder services. All FDA-approved medications for opioid use disorder—including methadone, buprenorphine, and naltrexone—are covered by Indiana Medicaid without prior authorization requirements.

Coverage transitions during the 2023-2024 Medicaid unwinding affected over 479,000 Hoosiers, but extended special enrollment periods helped more than 125,000 people transition into ACA Marketplace plans without treatment disruptions. The Healthy Indiana Plan’s “medically frail” designation exempts individuals with serious substance use disorders from cost-sharing requirements while providing enhanced benefits. 87.6% of Indiana’s substance use treatment facilities accept Medicaid insurance—higher than the national average of 74%—while about 67% accept private insurance.