Accessing Inpatient Treatment through your health fund
For many people considering inpatient addiction treatment, one of the first questions is: "Will my private health insurance cover this?" The good news is that most hospital-level private health insurance in Australia can help cover the costs of drug and alcohol rehabilitation, depending on your policy.
At Fullarton Clinic, we aim to make the process as smooth as possible, with minimal paperwork and clear guidance at every step. The breakdown below explains how private health insurance applies to Addiction Treatment, what to look for in your coverage, and how to get started.
Does private health insurance cover Addiction Rehab?
Yes — if your policy includes hospital cover, it may support all or part of an inpatient stay for Drug or Alcohol Rehabilitation.
Private health insurance is designed to give people access to care in private hospital settings, including medically supervised detox and structured Rehabilitation Programs. The level of coverage depends on your insurer, your policy, and whether you've completed any applicable waiting periods.
What kind of rehab is typically covered?
In Australia, private health insurance with hospital cover may include access to:
- Inpatient Drug and Alcohol Detoxification
- 28-day Rehabilitation Programs (like those offered at Fullarton Clinic)
- Therapy for Dual Diagnosis (for people with co-occurring Mental Health and Addiction challenges)
- Group and individual counselling
- Aftercare and Day Programs
Cover usually applies when care is provided in an accredited and registered private hospital, such as Fullarton Clinic and aligns with the clinical need outlined in your assessment or referral.
Ready to get started?
What you'll need from your health fund
Before accessing care, check the following:
- Do you have hospital cover (not just extras) and does it include Mental Health cover?
- Are you eligible for Mental Health or Addiction Treatment?
- Have you served your waiting period? (The waiting period is 60 days for Mental Health Treatment or Addiction Recovery Programs)
- What are your excess or gap payments?
You can contact your fund directly, or our admissions team can check this for you during your initial consultation.
Using private health insurance at Fullarton Clinic
Fullarton Clinic is a private Mental Health Hospital, opening in September 2025 in Epping, Victoria. We offer Addiction Recovery Programs in a purpose-built, supportive environment designed to help you regain control and begin recovery.
If you have private hospital insurance:
- You may be eligible for inpatient rehab with minimal or no out-of-pocket costs (depending on your policy).
- To access care, you’ll need a referral to a Psychiatrist with admitting rights at Fullarton Clinic. Your GP can provide one, or you can self-refer.
- Our intake team will guide you through the process and check your private health cover.
How to get started
When you understand how your private health cover applies to mental health care, the journey to recovery can feel more achievable.
Many people are surprised to learn their policy already includes cover for the treatment they need — and if not, the waiting period is typically short: just 60 days.
At Fullarton Clinic, we aim to make the process as straightforward and supported as possible — so you can focus on recovery, not the paperwork.
Here’s how to get started:
-
- Contact our admissions team – fill out the form below, and we'll be in contact to explain how the process works and what you need to know
- Book your assessment – speak with a Recovery Specialist
- We’ll check your private health cover – and explain what’s included in your policy
- Start planning your recovery – knowing your care is supported
Get in touch
The Fullarton Clinic private mental health hospital is now open in Epping, Victoria. Contact us today to learn more about how your health fund can support your recovery from Addiction.
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