Going to an alcohol addiction treatment program often involves lengthy inpatient stays and intensive outpatient counseling that isn’t known for being cheap. Paying for rehab is often a barrier that stops people from seeking treatment in the beginning.
After all, staying overnight in any kind of health care facility is expensive, and the prospect of dealing with medical bills is daunting. When you’re in the throes of an alcohol addiction, you might also dread having to figure out how you’ll pay for it all. While all of your concerns about the financial aspect of getting help are valid, you may be surprised to discover that paying for rehab is easier than you think. Exploring the various ways to pay for alcohol rehab helps you begin to plan financially for getting sober.
Explore What Health Insurance Covers
Health insurance companies today are required to cover at least some portion of their policyholder’s mental health care, and addiction treatment falls into that category. Although insurance coverage can vary significantly from one policy to another, you should find that yours will cover some level of treatment.
As you look over your policy, check for the following types of care that could be covered.
- Inpatient addiction treatment
- Mental health counseling
- Outpatient care
- Group therapy
With insurance, you may need to find out how much your deductible is, which is what you’ll need to pay before the coverage kicks in. There might also be co-pays to consider for services such as ongoing counseling or medication that is prescribed in the early stages of your treatment.
If you have any current health conditions, then you might already be familiar with these aspects of your plan. If not, then your intake team at a rehab might be able to help you understand the terms, or you can reach out to the customer service department of your insurance to learn more about how your policy works.
Check Into Scholarships and Grants
For people with the lowest amounts of health care coverage, there can still be a gap in how much rehab costs and what is covered. Many rehab centers partner with charitable organizations that understand the financial needs of people who need more assistance with paying for treatment. Religious organizations and community care programs often have funds set aside to assist with paying for rehab for people in need.
A scholarship or grant for addiction treatment works a lot like what you would receive to go to college. These special funds are meant to help you get a good start on sobriety, and they usually aren’t required to be paid back. Instead, the hope is that you’ll pay it forward once you are strong enough in sobriety to serve as a mentor for others or perform other acts of kindness.
Inquire About Cost-Saving Treatment Plans
Once you’ve explored how much insurance will cover and what could be available to help you, then it’s time to start putting together a general plan for how you’ll pay for treatment. The majority of rehab centers in Florida offer personalized treatment plans that can help you maximize what you get from your insurance coverage. Since your plan will likely pay for some amount of inpatient care, it is usually best to start there.
Staying for as long as your coverage allows makes it possible to begin your treatment in a safe environment where you can benefit from constant care as you work through the initial stages of withdrawal. After you’ve stayed as long as your insurance will cover, then you might be able to switch to outpatient care. This option works best for people with severe addictions who may still need support as they work on staying sober while living in a more natural environment. Since insurance coverage converts back to a new slate every year, you can easily continue with long-term treatment on an outpatient basis and keep things affordable.
As a final note, you’ll want to consider who pays if you don’t seek treatment. Allowing your alcohol addiction to continue could cost you valuable relationships, career options and potentially your life. Figuring out how to pay for rehab helps you save money in the long run and enjoy greater happiness. Are you ready to nail down a plan for alcohol treatment? Give us a call today at 844-639-8371.