How to Afford Rehabilitation and Addiction Treatment

Recognizing one’s own battle with substance use is frequently the first step toward recovery. Finding a therapy program that can aid in regaining their general health, happiness, and well-being is the next step.

A person has a wide range of therapy alternatives to pick from. For instance, some individuals with serious addictions begin with a detoxification program before moving on to rehab. Some people may decide to start their healing process at an inpatient or outpatient facility. Attending support groups and therapy sessions after treatment is advised to keep reiterating the principles learned in recovery.

One of your first thoughts when dealing with a substance use disorder may be how to pay for rehab. Many people are concerned about this because they are unsure whether their health insurance will cover the cost of rehabilitation. However, whether you have insurance or not, there are a variety of payment options available to help defray the cost of addiction rehab services. Insurance and costs should not deter you from seeking treatment that will put you on the road to better health and well-being.


Addiction Treatment

Addiction treatment aims to assist addicts in ending their obsessive drug seeking and consumption. Treatment can take many different forms, take place in a number of places, and persist for various amounts of time. Due to the fact that drug addiction is commonly a chronic illness marked by sporadic relapses, a brief, one-time treatment is frequently insufficient. For many people, treatment is a protracted process requiring numerous interventions and ongoing observation.

Addiction can be treated using a range of evidence-based strategies. Drug treatment may involve behavioral therapy, medicine such as subutex medication and suboxone medication, or a mix of the two (such as cognitive-behavioral therapy or contingency management). Depending on the individual demands of the patient and frequently on the sorts of drugs they take, the precise type of treatment or mix of treatments will vary.

For those addicted to opioids, there are treatment drugs like methadone, buprenorphine, and naltrexone (including a new long-acting formulation), while nicotine preparations like patches, gum, lozenges, and nasal spray, as well as the drugs varenicline and bupropion, are available for those addicted to tobacco. Alcohol dependence, which frequently co-occurs with other substance addictions, including addiction to prescription drugs, can be treated with disulfiram, acamprosate, and naltrexone.


Importance of Paying with Insurance

Addiction treatment is not cheap and that is not a hidden fact. This is why in the US, Insurance companies promise to pay for some part of your addiction treatment. Getting proper insurance coverage for the process of recovering from addiction can be difficult because it can be a lifelong struggle. The majority of insurance plans are mandated to pay for mental health care, but it can be challenging to obtain coverage for addiction therapy. Knowing what is covered and where to go when insurance doesn’t cover necessary treatments is crucial.


How To Pay For Rehab

If you’re wondering how to pay for rehab, don’t worry; there are plenty of options.  There are various ways in which you can pay for rehab and addiction treatment, leading from private and locally funded facilities to government programs. Some of them are:

  • Private Funding
  • Paying with health insurance 
  • Medicare
  • Locally funded rehab programs 
  • Paying without insurance


Private Funding

If you are unable to utilize your health insurance to pay for addiction therapy or if you have other fees that must be met, you can finance some or all of these expenses by obtaining a loan. You might be able to get a private loan from family or friends, or you might take the regular way. Furthermore, some people have found success with certain crowdfunding services.


Paying with Health Insurance

Medicare, Medicaid, and Affordable Care Act (ACA) plans are all mandated to offer mental health coverage, which includes some services for addiction recovery.


Detoxification is normally addressed for at least two weeks in the early stages of recovery. Some outpatient services are eligible for coverage after that first time frame. However, the diagnosis, cost, and frequency of treatment sessions are typically determining factors.

One of the most common methods of covering the costs of drug or alcohol rehab is through health insurance. When you verify your insurance with a rehab facility, they will inform you of your insurance status as well as whether or not their facility is in-network. Even if you have insurance, you may incur some out-of-pocket expenses for treatment, such as:

  • Co-payment method: When you receive a covered health service, you must pay a copayment.
  • Deducted amount. This is the amount you must pay before your health insurance kicks in.
  • Other out-of-pocket expenses: These are additional costs that may not be covered by health insurance and must be paid for out of pocket.

Healthcare insurance also includes the Medicare program, a government-funded program for people over the age of 65. However, young people with certain disabilities may also use this to pay for their rehab.


Insurance Plans Provide Coverage for Outpatient Rehab

Although every plan or policy will be different, rehab therapy will be covered by private insurance, employer-sponsored insurance, and the Affordable Care Act. Drug addiction is not regarded as a pre-existing illness under the ACA, and treatment cannot be refused. The ACA also provides money and options for drug or alcohol addiction treatment for those with Medicaid and Medicare coverage.


Pre-Treatment Contact Your Insurance Company

As mentioned before, insurance companies tend to make life easier for you by offering some sort of coverage for addiction treatment. To find out more about available addiction treatment programs, contact the member services division of your insurance provider like MHN Health. Your membership identification number and insurance card should be ready. Take down the name of the member representative you are speaking to as well as the call’s date in your notes. Do not be hesitant to clarify unfamiliar terms and ask questions. Make sure to get all the details of your coverage to avoid any sort of misunderstanding later on. 


Locally Funded Rehab Programs

Certain rehab centers get funds from local agents and grants. These funds keep them running and filled with people. This is because they deliver low-cost or sometimes free treatment for people who are struggling with financial hardships. There are various programs that you can find in a state-funded center such as:

  • Inpatient Treatment: They provide 24 hours treatment and residential care. Out-of-pocket costs for inpatient treatment for substance use disorders can range from $10,000 per month at basic facilities to up to $80,000 per month in upscale facilities. Community health centers offer free programs and public services, but for the average person seeking treatment, communicating with your insurance company and finding an in-network practitioner, if accessible, will be crucial to the treatment and recovery process.
  • Outpatient Treatment: This depends on the patient’s needs.
  • Partial Hospitalization: In this program, you spend the day in the rehab center and can go home at night. 

Once you have completed a medical detox program, you can avail of aftercare which will provide you with guidance and enough care to prevent you from getting addicted again. 


Paying Without Insurance 

Some various programs and funds are funded by the government for people who cannot pay for their treatment or do not have insurance. There are around 7000 facilities that receive funds from country and local grants and around 6000 facilities that do not charge their patients if they are unable to pay for their treatment because of financial hardships. 

Rehab may seem expensive or difficult, but there are a lot of options that you can avail yourself of. The cost of rehab should not stop you from getting the right amount of treatment and care for your recovery.


In the End… 

It’s challenging to overcome an addiction. To establish and sustain long-term sobriety, a great level of willpower and self-control will be required. On this voyage, nevertheless, you are never by yourself. You’ll develop close bonds with people in recovery who understand what you’re going through during rehab. During this difficult time, your loved ones, including your family, friends, and family, have your best interests in mind.

How much effort you put into the process will determine how quickly you recover from an addiction. To better comprehend what lies ahead, learn about the many ways addiction is treated below.

In coming to a close, it can be said that there are various programs and funded facilities that allow you to have the best treatment at a low cost if you cannot afford it. The first option is health insurance, which can cover your medical cost and you can avail the best treatment possible. The second option is private funding, which you can avail yourself of by getting a loan from your close friend or family for a short period of time. 

Moreover, you can also get help from locally funded programs that are funded by the government to help people who are in need of treatment and cannot afford it. High expense should not be a hurdle between you and your recovery treatment. 

Categories: Health

Nicolas Desjardins

Hello everyone, I am the main writer for SIND Canada. I've been writing articles for more than 12 years and I like sharing my knowledge. I'm currently writing for many websites and newspapers. I always keep myself very informed to give you the best information. All my years as a computer scientist made me become an incredible researcher. You can contact me on our forum or by email at [email protected].