How will I Pay for Treatment?
It is important to be aware of your budget and to know how you are planning to pay for addiction rehab. There are many options available to assist you and there are a number of ways in which you can pay for the program of care that's right for you.
However, it is important to keep in mind that treatment for medical issues, of which addiction is one, does have a cost. While you may find the cost to be high, there are many different possibilities to help you pay for the right program once you decide.
Call us to find safe and effective addiction treatment services as well as to ask questions about how you can pay for addiction help and which assistance options may be available to you.
Addiction Treatment and Insurance
Insurance is one of the most important payment options available to you when you are deciding which rehab program to choose. Call, and we will help you find a rehab program that takes your insurance and will work with your policy to ensure that you get the treatment you need.
Affordable Care Act Impacts on Rehab Coverage
As a result of the 2010 Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, treatment for mental illnesses and disorders is now considered an essential health benefit. This means any insurance policy offered through the Health Insurance Marketplace must cover the treatment programs necessary for these issues. Because substance use disorders and addiction are classified as mental illnesses, many insurance companies and their policies cover these disorders now and allow patients to receive treatment through their policies.
It is still important to make sure whatever program you choose will work with your particular insurance policy and will be beneficial to your needs. Once you find a facility in your area that seems to fit what you are looking for in terms of treatment, call and ask:
- Will you take my insurance?
- What portion of my payment will my insurance policy cover?
- How long will my treatment last?
- What treatment options do you offer?
- Do you provide patients with individualized care plans?
- After how long will my plan be reevaluated?
- Can I tour the facility before I decide to attend treatment there?
You can also call your insurance provider and discuss your needs with them. The representatives will often be able to give you a clearer idea of what treatment options are available to your through your policy and what your insurance would be able to cover.
Insurance can help you immensely in paying for your addiction rehab. Make sure to ask about all your options when you find a rehab center that fits your needs, and it is also important to calculate how much your own copay will be, another point you can discuss with the insurance company representative.
Addiction Treatment and Self-Pay
Whether you have insurance that covers your preferred rehab option or you choose to pay for the treatment entirely on your own, you will likely pay a portion of your rehab costs out of pocket. It is the same as when you get the flu and you have to pay for medication: your own payment will likely cover a portion of the cost and, depending on what you choose, there are ways to make this less difficult on you during this already stressful time.
We can help you to better understand your payment options for rehab; call us today.
Financing
Discuss with us and with your caregivers at the rehab center the possibility of monthly or weekly financing for your treatment. Usually, this requires a payment of a certain amount up front, and once you leave rehab, you can slowly begin to pay off your bill so you will not be looking at the entire cost all at once. This option is provided by many rehab centers, and their staff can help you figure out how much you can afford for each payment.
You can also work with your doctors, nurses, counselors, and other care providers to create an individualized treatment program that is based on your specific, medical needs. This way, you can attend rehab for the amount of time and for the particular treatment options you require and then move on. Often, a minimum 30-day program is employed by many rehab centers, but it is also important to make sure that the length of your treatment reflects your needs.
Family Contributions
Your friends and family members will also likely be happy to contribute and help you get the treatment you need. It never hurts to talk to the people closest to you about your recovery and to ask them if they could possibly help you pay for your rehab program in any way.
Other Options for Treatment Costs
There are certainly other options that exist when it comes to treatment costs, especially for those with very low incomes. Some treatment centers offer care on a sliding-fee scale based on the patient’s income and several other factors.
These factors determine need, which is important to ensure that only those who truly require economical treatment options are able to get it. Free treatment programs also exist, but these are specifically for individuals who cannot afford to pay for treatment in any other way. Call us today to find out if you qualify for free rehab.
Keep in mind that these options are created for––and sometimes only available to––those who would not otherwise be able to afford treatment at all. If you can pay for rehab, there are plenty of options for you as well that will make the program you need easier to afford and leave a space in free and low-income rehab centers open for those who need them.
You can also supplement your professional care with free recovery options such as attending support groups. These programs cost nothing to attend and can be a wonderful addition to professional treatment that also does not maximize your costs. However, it is still important to attend professional rehab in addition to these programs, as support groups alone have not been medically proven to be as effective as the traditional treatment options found in rehab centers.
Will I Be Able to Pay for Treatment?
Addiction can be devastating to many areas of a person’s life, including their financial state. Many individuals lose their jobs, experience severe monetary problems, and even become homeless as a result. However, treatment can help.
Patients are often able to find jobs through their rehab programs as well as learn how to budget their lives again in a way that is effective and beneficial. There are a number of options available to you to not only help you pay for treatment but to help you become more financially stable as you do so.
Seek Addiction Recovery and Rehab Now
We can help you find a rehab program near you that will cater to your needs and allow you to make safe, beneficial changes to the way you live your life. We can also give you advice on how to pay for treatment and how to create the best program for your needs. Call us now, and you can begin searching for the recovery program that will help you stop your substance abuse for good.
