Drug and alcohol addiction can lead to serious, life-threatening consequences. Even though the harmful effects of addiction are impossible to ignore, many people do not get the treatment they need to overcome it. Research from 2020 showed that in the United States, about 19% of people over 12 with a substance abuse disorder didn’t get addiction treatment.
But what keeps people with addiction from getting help? One of the most significant barriers to getting treatment is concerns about how to pay for rehab. Understanding the costs of treatment and your options for paying for rehab can help you make the best decisions for yourself or someone you love.
If you’re worried about paying for rehab, contact the Next Step Recovery staff to explore your treatment options. The cost of rehab shouldn’t be a barrier between you and the help you need. Call us today to learn more and get started.
The Cost of Rehab
Addiction treatment is not a one-size-fits-all process. Different programs, facilities, and levels of care have different costs. The most important thing is to choose a treatment program that can meet your needs and give you the support you need to be successful in recovery.
The cost of rehab depends on various factors, including the length of the program and the level of care you require. Addiction treatment is offered in many settings and levels of care, including:
- Outpatient programs
- Intensive outpatient programs (IOPs)
- Partial hospitalization programs (PHPs)
- Inpatient or residential care
- Medically supported detox
Generally, outpatient programs cost less than inpatient or residential treatment. In residential programs, patients live in the treatment facility, and the cost of housing, meals, and round-the-clock staffing and supervision can increase the cost of treatment.
Some rehab programs provide luxurious amenities like gourmet meals, massage, and top-notch housing. These programs often cost considerably more than basic rehab programs.
How to Use Insurance to Pay for Rehab
The Affordable Care Act requires insurance companies to pay for drug and alcohol addiction treatment. If you have a private health insurance plan, you’ll need to verify the details to determine what services, providers, and facilities are covered.
Some insurance companies that provide coverage for addiction treatment include:
- United HealthCare
- Blue Cross Blue Shield
- Kaiser Permanente
Before using your insurance to pay for rehab, you may be required to have a formal substance use disorder (SUD) diagnosis from a doctor or addiction specialist. This requires having a substance abuse evaluation. This assessment includes questions about your substance use, medical and mental health history, and other relevant information.
Using insurance to pay for rehab is often the easiest way to get the help you need with fewer obstacles. Call the number on the back of your insurance card to get more information about the services and facilities that will be covered. It’s important to verify your plan’s details and make sure you understand which services will be covered and what you will need to pay for out of pocket.
Paying for Rehab Without Insurance
If you do not currently have private health insurance, you may be eligible to buy a plan on the ACA Insurance Marketplace. But if you cannot obtain private health insurance, you may be eligible to apply for a public healthcare option, such as Medicare, Medicaid, or VA insurance.
There are several other ways to pay for rehab or find affordable treatment options. Here are some ideas if you are having trouble paying for rehab.
Attend free or low-cost rehab
In some states, residents have access to free or reduced-cost rehab programs. These programs can be challenging to find and may have a waiting list, so there may be better options for people who need immediate treatment.
Some treatment facilities offer treatment on a sliding scale basis. This means the facility will consider a patient’s financial situation and reduce the cost of treatment to make it more affordable. This makes it possible for more people to pay for rehab and get the help they need.
Scholarships or grants
Some treatment facilities offer scholarships for people who can’t pay for rehab. Other organizations that support addiction recovery also provide grants and scholarships to people in need. Waiting for applications to process and funding to come through may take time, so it’s important to apply as soon as you know you’ll need help paying for rehab.
Many treatment facilities offer payment plans, meaning they break down the total cost of treatment into smaller, more affordable payments. Instead of having to pay for rehab right away, people have months or years to make payments.
While paying for rehab can seem overwhelming, keep in mind that addiction is very expensive. In addition to the money you spend on drugs or alcohol, addiction costs you time, health, opportunities, and memories. You can’t afford to remain addicted to drugs and alcohol. Find the treatment you need as soon as possible.
Find Help Now
You don’t have to carry the weight of your addiction alone. Reach out to the specialists at Next Step Recovery to learn more about your treatment options and paying for rehab. Our team will work with your insurance, work out payment plans, or explore other options to make paying for rehab possible. Don’t wait for the help you need. Call us today.