While you might be tempted to avoid attending treatment because of the cost, there are ways to make rehab more affordable. For example, you can use health insurance to cover the costs of rehab centers like inpatient treatment or an outpatient program. Additional payment options include securing a loan, crowdsourcing, or looking for a program that is state-funded and offers financial assistance.
In this article, you will learn:
- Different ways to pay for addiction treatment
- Whether insurance plans cover treatment for substance use disorders
- How to pay for rehab without health insurance
Paying for Rehab: Understanding Your Options
Unfortunately, addiction treatment can be expensive. Suppose you require inpatient treatment. In that case, you have to worry about the cost of traditional addiction recovery services on top of the price of meal plans, a room to live in, and 24/7 care from medical professionals.
Paying for all of those treatments and amenities can quickly become too much. Thankfully, there are some ways to cover the costs of your addiction recovery program when you cannot afford it on your own.
Health Insurance
Thanks to the Affordable Care Act (ACA), insurance companies must cover at least a portion of substance abuse treatment services.
When trying to use your insurance to pay for rehab, you have to consider the type of benefits you have. Often, it is required that you find an “in-network” treatment facility in order to obtain full coverage.
To find in-network facilities, all you have to do is call your insurance provider for a list of residential treatment programs that accept your insurance. You can also call a specific program, give them your insurance information, and ask them to verify your benefits.
Private Funding or Financing
If you do not have health insurance or still have a large balance after using your benefits, you have some options. You can attempt to secure a healthcare or personal loan for the amount of money the treatment program costs. While you will be expected to pay this loan back, it allows you to get the help you need immediately.
Another option is to try coming up with the funds on your own. If you have family members who would be willing to come together to donate, you can ask the treatment center to accept payments from them.
If your family does not have the money to donate, you should consider crowdsourcing. For example, many people use organizations like GoFundMe to ask others to donate small amounts for their cause. Many people understand the importance of addiction treatment and would love to help someone receive the care they need.
Choosing an Affordable Program
Each level of care will cost a different amount. For example, inpatient rehab centers are more expensive than outpatient treatment because they require you to live at the facility. If you are struggling to pay for treatment, you might find outpatient rehab more affordable.
Additionally, each facility offers its amenities. While one program might offer swimming pools and a gym, another might have complimentary massages and acupuncture. If you choose a program with more exclusive amenities, you can expect to pay more out-of-pocket.
State-Funded Programs or Payment Plans
Some treatment centers receive funding from state and local grants. They offer treatment at a low cost or free to individuals who are struggling financially. It is important to note that the financial requirements may vary by state, making it important that you verify with the program that you qualify for assistance.
You may be able to get financial assistance for various levels of care, including:
- Detox centers
- Inpatient rehab
- Partial hospitalization programs (PHPs)
- Outpatient treatment
- Sober living programs
Some programs offer full scholarships if you meet the financial requirements. Others use a sliding scale fee, only asking you to pay what you can afford based on your income.
Get Connected to an Affordable Drug and Alcohol Rehab Center in Florida
If you or a loved one requires addiction treatment, you’ve come to the right place. At Archstone Behavioral Health, we accept a wide variety of insurance plans to ensure everyone has access to the care they need. Additionally, we offer evidence-based services with a compassionate touch to give you the best shot at recovery possible.
We understand that people in addiction recovery have good days and bad days. We treat our patients with the same amount of compassion, patience, and energy that we’d want to see in someone helping our own family members. We know that addiction is a family disease. It causes our loved ones to act like people we don’t know. At Archstone, we provide support for the entire family when necessary. There is nothing better than watching someone reconnect with family members who had all but given up hope.
Contact us today to learn more about our drug and alcohol rehab program and verify your insurance benefits.
References:
- The Substance Abuse and Mental Health Services Administration (SAMHSA): HHS, SAMHSA Release 2022 National Survey on Drug Use and Health Data
- Obamawhitehouse.archives.gov: Substance Abuse and the Affordable Care Act
