Addiction and Abuse
Commonly Abused Drugs
Mental health disorders
Whenever a rehabilitation facility is required for a patient, the first thing to strike the mind is whether the cost of rehab would be covered under Insurance or not?
And if it is the patient who willingly wants the treatment at the rehab center, then the first question is “how am I going to pay for it”?
It has been observed that the cost of treatment has often acted as a deterrent for people who want or need treatment against drug addiction. But this is no longer an issue. Here are listed frequently asked questions and answers for paying for a rehabilitation center.
The cost of rehabilitation varies with the center chosen and the level of care needed. Inpatient treatment programs render maximum care and therefore are very expensive.
On the other hand, outpatient treatment programs cost less. But the drawback is not enough support is provided for initial recovery.
Most private health plans do cover a portion of substance abuse treatment. Some insurance plans cover it entirely. If you want to clarify your benefits coverage for residential treatment offered by your carrier, arrange an appointment or visit their website for detailed information.
Sometimes drug treatment centers can also do this on the behalf of the patient. They collect detailed information about how many days, the provider network and what services are covered under your specific insurance plan for addiction treatment cost.
Under the Affordable Health Care Act (ACA), an insurance applicant cannot be penalized for a pre-existing condition. This means people who are already fighting an addiction abuse can apply for healthcare policy. Drug and alcohol disorders are included in the 10 essential health benefits central to the ACA. This implies that insurance companies have to treat addiction and mental health disorders at par with any other medical conditions.
As the cost of rehab can be exorbitant depending upon the length of stay and the facilities utilized, sometimes there is a need for secure private finance for treatment. This is required especially if the individual is uninsured and cannot qualify for federal or state assistance.
Some addiction treatment centers offer scholarships for patients. So, it is advisable to talk to the admissions office once the decision for rehab is finalized.
Additionally, treatment facilities at some rehab centers come with finance plans too. This means the patient can make the payment after discharge. This arrangement is sometimes offered through a third party lender who creates a loan package for the patient. Make sure to discuss these finance plans with the center's office before any treatment center is finalized.
In case you are saving under plan 401(k) or IRA, it is necessary to save minimum money to cover your treatment program. If you have a home as equity, you can access the same through home equity loan and use it for your rehab services payment.
Sometimes when the family members are unable to pay for rehab costs, friends may raise money for the rehab program using crowd-funding sites such as GoFundMe.
There is various nonprofit addiction treatment programs run at various rehab centers.
These are available at a very little cost which is affordable by most or at no cost at all. At some centers where the patient gets free treatment, the prerequisite is he or she has to willingly work for 40 hour weeks to pay for their room and board.
Their work includes sorting donated items at the warehouse or helping with administrative duties at the center in exchange for a free of cost 6-month treatment program.
Some treatment programs are offered for the teens and the adults at the very nominal cost, which differs from location to location.
Several federally funded, state-run drug and alcohol addiction treatment programs assist the public. Depending upon the state, these programs are run by separate agencies and are included under different behavioral health department.
Both inpatient and outpatient care programs are offered under this program. Also, aftercare support services are coupled in these public programs.
To qualify for assistance, the individual has to meet specific requirements of public programs including proof of citizenship, proof of residency of the state in which the program is run, the degree and the history of individuals addiction and demonstrated inability to afford other treatment options which are based on income and other factors.
Usually, these state and local government-run programs have long waiting lists of patients. But in most cases, the patient is offered some kind of support until their turn comes for admission at the center.
Ultimately, there are several ways to pay for the treatment program. Once the addict is ready for treatment, information and the best way to gather the finance is all that is needed so that life can be changed on to the recovery road. A treatment expert can guide in a better manner about the treatment aids and facilities available in a specific state.
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