It’s not uncommon for people to avoid seeking treatment for their addiction because they can’t afford treatment. A 90-day program at a residential rehab can cost over $30,000, and many of the free state-funded programs feature extensive waiting lists that cost precious time addicts don’t have. While rehab isn’t always cheap, there are many financing options for your recovery that can help you.
Most facilities offer financial counseling and financing options to help you enroll even on a limited to a non-existent budget. Their primary focus is helping you overcome addiction, not making a profit. That being said, you may also be able to cover the cost of rehab with your health insurance. Under the Affordable Care Act, health insurance providers must offer coverage for substance use disorder. With the opioid epidemic in the United States surpassing 12 million people, it’s vital that rehab becomes more affordable and accessible.
Does my insurance cover rehab?
Each NJ drug rehab will have its own list of insurance providers that it accepts. The largest health insurance providers in the nation will be the most widely accepted, which include:
- Cigna
- United Healthcare
- Molina Healthcare
- WellCare
- Humana
- Blue Cross Blue Shield
Addiction care is one of the 10 health categories laid out by the ACA, so it’s more than likely that your provider offers some level of coverage. State and federal-funded programs Medicaid and Medicare also provide low-cost addiction treatment coverage, but each has its own specific set of eligibility requirements.
How do I know if my rehab is covered by my insurance?
Before you pick a facility, a good first step is to call your insurance provider and get the details on your addiction rehabilitation coverage limits. Depending on the type of health insurance plan you have, you may have to choose an in-network facility in order for your treatment to be covered. Your provider can give you a list of facilities that are covered by your health insurance so you can get connected right away. If you have a PPO or EPO, which don’t require referrals, you can choose your own rehab and call the specific facility to ask whether or not they accept your insurance. Keep in mind that the cost may not entirely be covered by your health plan, so you may still wind up having to cover a co-pay or other out-of-pocket expenses.
Looking for Affordable Rehab? We Can Help
Find a low-cost drug rehab in New Jersey today by calling us at 833-610-1174. We can help you find affordable drug addiction treatment programs in your area whether or not you have insurance. Don’t let money be the reason you suffer in silence. There is always an option to get help, and we’re ready to get you there.