What Payment Options Are There For Drug Rehab?
While considering addiction treatment, it is essential that you think about the different payment options for rehab. This is because the cost of rehab services can prove to be overwhelming.
Today, this overwhelming cost is among the main reasons why some people feel that it is impossible for them to get the help that they need to overcome their substance use disorders.
However, it is important that you understand that the benefits of quality drug rehab will far outweigh the associated costs. In fact, an excellent addiction treatment and rehabilitation facility can provide you with the greatest chances of living a life free of the long-term pain and health problems linked with ongoing substance abuse.
Investing in Quality Treatment
It would also help if you could view your rehabilitation as an ongoing investment that you need to make - both for yourself now and in the future as well as your family and your other loved ones.
While struggling with a substance use disorder, you will increasingly find yourself spending your money trying to support your drug or alcohol habit. You can get rid of these costs by undergoing a rigorous addiction treatment program. It is for this reason that you should consider all your payment options for rehab.
Ongoing addiction can also increase your risk of engaging in dangerous activities - such as borrowing and stealing money and valuables from your loved ones to continue supporting your drug habit, selling drugs so that you can buy your preferred substances of abuse, trading some services like sex for alcohol and drugs, and spending most of your time and efforts on drugs and alcohol.
Addiction can also take a toll on your health. In fact, health issues that arise in the long term combined with the short term expenses linked to the medical bills and emergency room visits that you have to take care of might eventually go over and above the cost of addiction treatment and rehabilitation.
Paying for Rehabilitation Services
When you first consider checking into an addiction treatment center, you will probably be worried about the payment options for rehab. In fact, various studies have shown that the cost of rehab services is among the main reasons why some people never get the help that they need.
The cost of your addiction treatment will vary greatly depending on the services and the level of care that you need. For the most part, residential or inpatient treatment programs will provide you with the highest level of medical care and treatment. As such, they tend to be the most expensive.
Outpatient treatment and rehabilitation might end up costing you less. However, it might not always provide you with enough support and therapy to ensure your sustained recovery in the long term.
Irrespective of whether or not you have a good health insurance plan, you should know that there are different payment options for rehab that can help you cover your costs. These options include:
Insurance is one of the main payment options for rehab. Today, many private healthcare plans will cover some or all of your addiction treatment and rehabilitation services. However, you should visit your carrier's website to check what they cover for drug rehab services.
You can also ask your chosen addiction treatment program to check on your behalf. They will find out if they have been listed in your insurance provider's network as well as check the total number of days and the services that will be covered under the plan that you took.
The main health insurance companies that provide coverage for addiction treatment are Aetna, Blue Cross Blue Shield, and United Healthcare. You can also receive similar services from Cigna.
2. Obamacare or the Affordable Health Care Act (also known as ACA)
The Affordable Health Care Act stipulates that you will not be penalized for any condition that pre-existed before you applied for insurance. This means that if you are already struggling with a substance use disorder and co-occurring mental health disorders you can still apply for a policy.
The ACA also includes alcohol and drug disorders among the 10 essential health care benefits that are central to Obamacare. This means that your insurance policy needs to treat your addiction and any mental health condition with equal importance to other medical conditions.
Additionally, there are policies that are covered by the Affordable Health Care Act. Depending on your particular plan, you might be able to get coverage anywhere from 60 to 90 percent of your rehabilitation services.
3. Medicaid and Medicare
There are some state and federal sponsored health benefits that you can use as your primary payment options for rehab. However, these benefits only apply to specific people in the mainstream population.
When you get these insurance programs, they can provide you with a new way to offset the cost of your addiction treatment and rehabilitation services. Each program, however, comes with different and unique eligibility requirements.
4. Private Financing and Funding
Due to the fact that rehab can be expensive depending on how long you stay in the facility, and the type of center that you choose, you might find it necessary to get private financing especially if you do not have insurance coverage and you do not meet the eligibility requirements for state or federal assistance.
You can also get a scholarship from certain addiction treatment and rehabilitation facilities. This means that you should consider talking to different centers to see if they can sponsor your treatment.
On the other hand, there are treatment facilities that provide financing plans that could allow you to continue paying for your rehabilitation after you get discharged from the program. In many cases, this arrangement would be offered through third party lenders who would create loan packages for you.
In case you have a 401 (k) plan, an IRA, or savings, you might find it necessary to use someone of your savings to cater to the cost of your addiction treatment and rehabilitation. In the same way, if you have equity on your home, you could access it through home equity loans ? another one of the payment options for rehab.
5. Crowdfunding and Fundraising
You might be able to count on some of your friends, family, and acquaintances to help you pay for addiction treatment. To increase the chances that they will come to your aid, you should suggest that they send the payments directly to the rehab center - so that they do not doubt if you are using the funds as you intended.
Alternatively, you could ask your friends to help you raise some funds to cater to your rehabilitation using a crowdfunding website such as GoFundMe. This is yet another one of the payment options for rehab that you should not ignore.
6) Local and State Government Programs
There are some addiction treatment and rehabilitation programs that are run by the state and funded by the federal government. These programs can provide you with the public assistance that you require to overcome your substance use disorder and any other co-occurring mental health disorders that you might have.
Depending on your state of residence, most of these programs would be provided through separate agencies. They could also be included under another expansive behavioral health or medical health department. The important thing to keep in mind is that they would typically provide both inpatient and inpatient care as well as relapse prevention and aftercare support services.
For you to qualify for such assistance, however, you need to meet the specific eligibility requirements for these public programs. These requirements include but are not always limited to:
- Demonstrated inability to get any other payment options for rehab based on such factors as income
- Proof of citizenship
- Proof of residence within the state where the program is offered
- The degree of substance abuse
- Your history of addiction
The main disadvantage with these programs is that they would typically have a long waiting list that you would have to join before you can get into the treatment center of your choice. However, many of these programs will offer you some type of support as you continue waiting for the right opening.
Other payment options for rehab that you should consider checking out include:
- Checking into a non-profit addiction treatment center
- SAMHSA Grants
- Selling some items of value
Overall, as long as you understand the different payment options for rehab, it should not be difficult for you to check into the right addiction treatment center and offset the cost of your ongoing rehabilitation and recovery.
Drug Rehab Centers by State
Select a State:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia