Your substance use has gotten out of hand, and you have decided that some degree of professional treatment has become necessary. Maybe you have attempted to quit on your own without success, or the personal consequences associated with your addiction have become entirely unmanageable. You know you need treatment, but you aren’t sure how you are going to cover the cost. After all, going to rehab costs thousands of dollars… doesn’t it?
The cost of addiction treatment varies based on the level of clinical care provided, the services offered, and whether the program is privately or publicly funded. Privately funded inpatient rehabs, for example, are often the most expensive. They offer the highest level of care available and a wide range of individualized treatment services, from one-on-one therapy to nutritional counseling. Outpatient treatment programs offer a lower level of care, meaning they cost significantly less. The best level of care for you depends on several factors, like the severity of your substance use disorder and the presence of any underlying, co-occurring issues.
Many addiction treatment programs accept health insurance. Even if you are currently underinsured or entirely uninsured, there are numerous financial options available to help you cover the cost of treatment. Contact us today to learn more.
Covering the Cost of Addiction Treatment
According to the National Center for Drug Abuse Statistics, the average cost of the most affordable medical detox program is $1,750, the average cost of the most affordable residential inpatient treatment programs is $6,000 for one month, and the average cost of the most affordable outpatient treatment program is $5,000 for three months. The cost of addiction treatment is one of the most significant reasons why people with diagnosable substance use disorders fail to seek the help they need. It is important to understand that even if you cannot readily cover costs out-of-pocket, there are many alternative coverage options available. To learn more about the best choice for you, contact us today.
The Affordable Care Act
In March of 2010 the Affordable Care Act, a comprehensive healthcare reform law, was enacted. More commonly referred to as ACA, this law was enacted with three predominant goals in mind:
- Increase the availability of affordable healthcare.
- Expand existing Medicaid programs.
- Support innovative methods of healthcare delivery, which are designed to decrease healthcare-associated costs overall.
The ACA includes behavioral healthcare services, including addiction treatment programs, as one of 10 elements of essential healthcare benefits. According to the Office of National Drug Control Policy, “All health insurance sold on Health Insurance Exchanges or provided by Medicaid to certain newly eligible adults starting in 2014 must include services for substance use disorders. By including these benefits in health insurance packages, more health care providers can offer and be reimbursed for these services, resulting in more individuals having access to treatment. The specific substance abuse services that will be covered are currently being determined by the Department of Health and Human Services, and will take into account evidence on what services allow individuals to get the treatment they need and help them with recovery.” Essentially, this means that health insurance providers must treat substance abuse treatment services as they would treat any other essential healthcare service. If you are currently insured through a major regional or national provider, there is a good chance some or all of the services you seek will be covered partially or in full.
Private Pay & Self-Pay
Private pay and self-pay options mean you are covering the full cost of treatment out-of-pocket. This is a good option if you choose to attend an affordable outpatient treatment program while continuing to work full or part-time. If insurance covers part of your stay in treatment, you might choose a private or self-pay option for outstanding costs.
Using Health Insurance
The majority of privately operated treatment centers accept major regional and national health insurance coverage, regardless of the level of care provided. Examples of major health insurance companies include Aetna, Blue Cross Blue Shield, Cigna, and Humana.
Medicaid & Medicare
Medicaid is a federal and state insurance benefit program that helps those with limited income cover medical costs. Medicare is a federal health insurance program for American citizens over the age of 65. Some addiction treatment centers accept Medicaid and Medicare, though those that do typically offer more limited and less personalized treatment services.
How Do I Pay for Addiction Treatment?
What is the best course of action for you? The answer to this question depends on several distinct factors, including:
- The level of care you choose.
- Whether the treatment program you choose is privately or publicly funded.
- Whether or not you are insured.
- Your ability to pay additional out-of-pocket costs.
- The proposed duration of your stay in treatment.
If you are interested in learning more about which course of action makes the most sense for your unique case, we recommend connecting with a financial advisor or with a treatment advisor at the treatment center you are considering attending. In most cases, a medical detox center or inpatient rehabilitation center will be able to provide you with a health insurance benefit check at no additional cost.
Covering Out-Of-Pocket Costs
Even if you currently have health insurance coverage through a major provider, you might be left with some out-of-pocket costs. These costs are typically minimal, though it is a good idea to sort out how you will cover them before committing to the program. Below are several options you might consider when it comes to covering any outstanding costs:
- Self-Pay — If you have the extra cash, great! Keep in mind that addiction is much more costly than recovery will ever be.
- A Personal Loan — You might have a close friend or a relative who is willing to lend you the money so long as you agree to pay it back over time. This is typically a great option, seeing as your loved ones will likely not charge you interest.
- A Medical Loan — Taking out a medical loan is always an option. Medical loans do charge interest, and are available directly through your bank or through certain online platforms.
- A Payment Plan — Some treatment centers might offer a payment plan, meaning you pay a certain amount every month, eventually paying off what you owe over time.
- A Sliding Scale — Additionally, some treatment centers offer a sliding scale payment option, meaning those with more financial restrictions pay less than those who are in better financial standing.
Begin Your Personal Recovery Journey
No matter what your current financial circumstances are, you deserve to receive the professional addiction treatment you need. At Recovery Centers we are dedicated to helping place you in an affordable treatment program that caters to all of your unique, personal needs. Getting started on the road to recovery is not always easy, but the process is far more straightforward when you have a knowledgeable advisor in your corner. As soon as you make the decision to reach out for help, you will be connected with someone who will help you find the perfect recovery program. All you have to do is make initial contact, and we will take care of the rest. We look forward to speaking with you soon and helping you begin your lifelong journey of addiction recovery today.