How to Pay for Drug Rehab With and Without Insurance

When you are searching for drug rehab for yourself or someone else, you’re likely concerned about how much it is going to cost. Many people worry that treatment will be too much for them to afford, especially with the higher cost of living we are all experiencing. Luckily, health insurance can cover some or even all of the costs of drug rehab. Private and public insurance companies do have to provide some rehab coverage for substance abuse. It’s important to understand just what your insurance will and won’t cover before you look for a rehab center.

Of course, not everyone has health insurance. If you don’t, you’re likely to be even more concerned about the costs of rehab. If this is the case, don’t despair-there ARE some ways you can get treatment covered. Let’s take a look at how to pay for drug rehab with and without insurance.

Insurance Coverage for Rehab

If you have health insurance, then you carry either a public or private policy. If you have public insurance, you’ll have a plan through either Medicare or Medicaid. Medicare is for disabled and older Americans while Medicaid is a state-based plan for Americans who fall in a lower-income bracket. There are different types of private insurance you can carry, such as the coverage you purchase on your own or group plans through your employer.

When you have public or private health insurance, you should be able to use it to cover some of the costs of treatment. To date, the ACA, or Affordable Care Act, requires both private and public long-term health insurance plans to cover ten health benefits, including necessary treatment for substance abuse. How much will be covered will depend on your health insurance company and the plan you carry. While you may see most of the costs covered, this isn’t a guarantee. You could be responsible for copayments and deductibles.

Rehab with No Insurance

Unfortunately, not everyone has health insurance. If this is the case, you can still find ways to pay for a drug rehab program.

Look for local and state-funded rehabilitation facilities that treat addiction. These centers use money from the government to provide addiction services for people who wouldn’t be able to afford treatment otherwise. While funding varies by state, most programs receive their funds through state budgets, federal grants, and Medicaid reimbursement. They have strict qualifications you must meet to be approved. You’ll need to show that you are an American citizen who lacks insurance. You’ll also have to show proof of income. To begin the process, reach out to your local substance abuse agency.

There are also other ways to pay for drug rehab when you do not have insurance. Many organizations, such as The Salvation Army and local churches, offer programs for people who need drug rehab yet cannot afford it. Your doctor or substance abuse counselor will also be able to point you in the right direction when you ask them for help.

Different Treatment Options

There are several rehab services offered for men and women in need. Let’s look at a few below.

Medica detox- A detox program will help you get rid of the substances in your body through the use of medical intervention. In some cases, you can find programs that are managed day and night by a medical professional that understands detox.

Inpatient rehab- If day and night care is a necessity for your situation, inpatient and residential programs will deliver results. These programs offer different therapy options, such as individual CBT and group therapy, in a hospital-like or residential setting.

Outpatient-If you need to stay at home while you are being treated, then outpatient rehab is right for you. You can still go to school, work, and take care of daily responsibilities while you receive the treatment you need. Outpatient services are also often easier to get approved from insurance companies since they are not as intense as inpatient rehab.

Get in touch with us today to learn about our specialized rehab services for drug addiction. We’re ready to help you as soon as you are ready to accept it. Call us today at 844-639-8371 to find out what we can do for you!

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