The cost of addiction treatment is a common barrier that prevents many individuals from seeking professional help for their drug use disorders. Fortunately, many drug rehab centers offer a number of payment and financing options so these individuals can receive treatment and go on to experience safe, successful recoveries. If you or a loved one needs addiction treatment today but lacks financial resources, here are several ways to make drug and alcohol rehab more affordable.
Private Health Insurance
Private health insurance companies such as Aetna, United Healthcare, Cigna, and Blue Cross Blue Shield offer plans that cover some or all costs associated with addiction treatment. Contact your private health insurer to learn more about your benefits for substance abuse treatment, or ask drug rehab centers to perform a free insurance benefits check for you so you can narrow your treatment options accordingly.
Health Insurance Marketplace
Under the Affordable Health Care Act, Americans can purchase plans from the Health Insurance Marketplace at HealthCare.gov and receive up to 90% coverage on health care and substance abuse treatment. In addition to treatment for substance use disorders, plans under the ACA also cover mental and behavioral health treatment for co-occurring disorders such as depression, anxiety disorders, and PTSD.
Medicare and Medicaid
Medicare is a federally funded program that provides health and drug rehab coverage for those who are 65 and older or who have severe disabilities. Medicaid is jointly funded by the state and federal government and provides health coverage for qualifying individuals who have limited income. Both healthcare programs can help cover the cost of drug detox and inpatient rehab for addiction treatment centers that are in network with Medicare and Medicaid.
Many drug rehab centers offer patients financing plans that allow them to make affordable monthly payments. Other rehab centers are partnered with third-party lenders that offer loan packages for treatment. When choosing a treatment facility, ask about available financing options that can help you get treatment without having to pay the full cost up front.
The Substance Abuse and Mental Health Services Administration, or SAMHSA, offers block grants for addiction treatment to individuals who do not have health insurance, or for whom coverage has been terminated for a short time. However, these grants may be limited to qualifying high-risk individuals such as pregnant women, women with dependent children, and intravenous drug users.
Fundraising campaigns allow friends, family, and local community members to pitch in so you or your loved one can receive addiction treatment. Ask your church and local businesses and organizations if they would be willing to help you launch a fundraising campaign. If people are concerned you may use the funds for other purposes, suggest that the funds be turned in directly to a drug rehab center so there is no question as to where the funds are going.
America’s Rehab Campuses offer drug and alcohol detox and a variety of rehab programs that can be customized for your unique treatment needs or that of your loved one. Fill out our free insurance benefits form to begin the treatment process today.