Yes, insurance policies now include coverage for substance addiction such as heroin. This used to be not the case before the implementation of the Affordable Healthcare Act of 2010. Most insurance policies used to consider addiction and mental health illness as pre-existing conditions, excusing them to cover the cost of the treatment. But this is already against the law at present. All insurance policies are required to cover the cost of addiction and mental health treatment among patients. Substance addiction is now considered a chronic illness just like diabetes and hypertension. It requires medical care which health insurance policies need …