What If I Can’t Afford The Whole Cost Of Treatment At Once?

The cost of addiction treatment consistently ranks among the greatest barriers to recovery. Luckily, it doesn\’t have to. If you\’re ready to enter rehab, it\’s important to know the full range of financial options at your disposal. If you can\’t afford the entire cost of treatment upfront, you\’re not alone.

More importantly, there are still plenty of ways to get the help you or your loved one needs. Whether you\’re seeking addiction treatment for yourself or for a family member, dealing with the financial aspect of enrollment can definitely be daunting. You can work with our admissions counselors to learn more about our accepted insurances, available scholarship opportunities, payment plans, and common forms of fundraising. Although going to rehab can be expensive, paying for professional addiction treatment is more than worth the cost.

Surprisingly, this is also something that many health insurance companies understand. Insurers know that it is far cheaper to treat addiction early-on than it is to treat the many secondary physical and mental health issues that unmanaged addiction invariably creates. Under the Affordable Care Act, all private pay insurance companies recognize both substance use disorder (drug addiction) and alcohol use disorder (alcohol addiction) as mental health issues.

Thus, not only are these companies legally required to pay for some or all of a policyholder\’s rehab services, but they are additionally disallowed from penalizing people for having these issues as pre-existing conditions. This fact alone opens the door to a number or helpful funding opportunities. There are also many charitable organizations that routinely make contributions on behalf of patients who are struggling to cover their out-of-pocket costs.

Discover the Full Range of Payment Options for Addiction Treatment

When paying for addiction treatment, it\’s always best to start by determining what your health insurance plan will and will not cover. You can accomplish this by calling your insurer directly or by speaking with an admissions counselor at your chosen facility. Our team is well-versed in the provisions that are made by every health insurance plan we accept.

We can give you a comprehensive breakdown of the program elements that are covered, and the ones that you\’ll be required to pay for on your own. Given that private pay health insurance companies aren\’t allowed to penalize policyholders or applicants for having pre-existing conditions, you can apply for health insurance ahead of attending treatment if you don\’t have coverage already. When doing so, consider binding a plan that will give you access to the rehab center you want to attend, and will pay the largest portion of your treatment costs. Keep in mind that even with the best possible health insurance, most patients are still required to pay:

  • Deductibles
  • Co-payments
  • Prescription fees

out-of-pocket. Scholarships are frequently sometimes by charitable, third-party organizations for covering some of these lesser expenses. There are also larger scholarships available for patients without comprehensive coverage or with coverage that will only pay for a very modest portion of their treatment costs. These opportunities are limited and the related funding is often disbursed on a first-come, first-served basis or according to individual need.

If any scholarship opportunities are available at the time of your enrollment, you\’ll learn about them from an admissions coordinator. All costs that aren\’t covered by either health insurance or an outside organization can be paid with cash, debit cards, or credit cards. In instances in which patients and their families need more time pay, many rehab centers are even willing to accept reasonable payment plans. However, with all payment plans for addiction treatment, patients are required to remit payment payment in full before services are actually received.

Some people use crowd-sourcing and other forms of fundraising to raise the necessary payments for addiction treatment. Others leverage assets to obtain secured loans or seek third-party funding in other ways. It\’s always important to review your full range of options for treatment when price is a major concern. If the cost of an inpatient rehab is too high even after all funding options have been explored, you can consider:

  • Standard outpatient treatment (OP)
  • Intensive outpatient treatment (IOP)
  • Partial hospitalization programs (PHPs)

Choosing to attend addiction treatment closer to home can also minimize your spending by eliminating travel costs such as airfare and hotel stays. There are countless ways to make these charges more manageable, and making every effort to pursue them all is critical. If you or someone your love is ready to attend addiction treatment, we can answer all of your questions about paying for rehab. Call us today at 833-610-1174.

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