If you or a loved one is suffering from a drug or alcohol addiction, you might be considering the possibility of rehab. However, the cost attached to rehabilitation can be overwhelming, especially if you don’t have access to funds to easily pay for it. Luckily, you’ve come to the right place. Let’s take a closer look at how to pay for addiction treatment.
Health insurance companies cover both inpatient and outpatient alcohol and drug addiction treatment programs. In fact, thanks to the Affordable Care Act (ACA), all health insurance companies are required to offer substance abuse treatment. That being said, there are some limitations.
It’s important to find a rehabilitation facility that’s in-network. So, if you have Anthem Blue Cross, for example, you’ll want to search for Anthem Blue Cross drug rehab facilities near you. Although an online search will give you results, you can also call your insurance company for a list of in-network facilities.
The amount of coverage your plan provides also differs. Whether you’re suffering from Adderall addiction or heroin addiction, your health insurance company will most likely offer some level of coverage. Your health insurance plan will lay out exactly how much of your treatment is covered vs. how much you’ll have to pay. You’ll generally be responsible for deductibles, copays, and/or other expenses.
Medicaid offers coverage in some cases. It will generally cover the cost of inpatient and outpatient treatment programs as long as it’s at an approved facility. Interventions, counseling, emergency hospital stays, and medically assisted detox may also be covered.
Medicare will cover both inpatient and outpatient treatment programs for drug and alcohol addiction. That being said, your provider must state that treatment is medically necessary and set up a Plan of Care for your treatment. As with other types of insurance, you must also undergo treatment at an approved facility.
State-Funded Treatment Programs
If you don’t have health insurance coverage, that’s okay. There are state-funded substance abuse treatment programs for individuals who are unable to afford rehabilitation. These programs generally operate through state funding and grants, allowing you to receive treatment for little to no cost.
The Salvation Army
The Salvation Army’s Adult Rehabilitation Centers provide 180 days of residential treatment. The program is free to those who meet the qualifications. These treatment programs do require you to attend both classes and worship services.
Grants and Scholarships
The Substance Abuse and Mental Health Services Administration (SAMHSA) offers non-competitive grants that can help cover the cost of rehab. Individuals must lack the ability to cover the cost of rehab and meet other qualifications.
Rehab facilities also offer grants or scholarships that you could be eligible for. This could help cover at least part of the cost of your treatment, making it easier for you to begin the road to recovery.
Other Rehab Financing Options
Most rehab facilities offer financing options, including loans that will be paid back after you have completed your treatment program.
Other rehabs offer sliding-scale payment programs. Depending on your financial situation, this can help lower the cost of treatment.
How to Start the Process
There are several ways to go about enrolling in a substance abuse treatment program. These include the following:
– Call your health insurance company for a list of in-network rehab facilities.
– Find a rehabilitation facility that interests you and call them to find out about their financing options.
– Call the SAMHSA’s National Hotline at 1-800-662-HELP (4357) for assistance.
Overcoming addiction is already challenging enough. The last thing you need is to worry about how to pay for treatment. The good news is that there are financing options available to help you afford rehabilitation for alcohol or drug treatment if you cannot afford it.