If an individual requires assistance for drug and alcohol addiction in Banner Elk, NC. and is lucky enough to be covered through health insurance, most drug and alcohol treatment programs accept payment in the form of health insurance and will work with men and women to see what treatment services are approved. Most private health insurance companies in Banner Elk, NC. cover outpatient and inpatient drug treatment, although the time which is covered can differ. Private health insurance will most likely cover the first 4 weeks of drug and alcohol rehab, although there are individuals whose plan is more substantial and can provide for a more long-term stay in a Banner Elk, NC. drug rehabilitation program. It is advisable that individuals consult with their insurance company from the get go with the help of their rehabilitation facility to ascertain what is and what is not included by their private health insurance.