How to Pay for Drug Rehab?

On average, fifty percent of the people who need addiction treatment don’t get the help they need thinking that it is beyond their financial means. The perceived cost of rehab keeps many from getting treatment, but there are options available that can make treatment possible.

The most obvious option is health insurance which many cover addiction treatment, even though at various degrees. Many insurance plans cover inpatient stays, which is the most costly plan. When setting up appointments to visit treatment centers, or when conducting phone interviews with their representative, discussing payment options and the type of insurance accepted should be on the top of the agenda. Questions about all other options including private financing should be included as well.

If no insurance available or private pay is not an option at the time, public assisted rehabs may be an option. These programs offer financial support needed to detox and begin the recovery process. The options range from government grants for care to state-funded rehabilitation centers catering to low-income individuals in need of treatment. Below are a few of these government-assisted programs that can be considered:

      • State-funded Addiction Treatment Programs

      • Locally Funded Addiction Treatment Programs

      • Substance Abuse and Mental Health Services Association Grants

      • Medicaid

      • Medicare

      • U.S. Department of Veterans Affairs

      • The Affordable Care Act

For state-funded addiction treatment options contact Behavioral Health Treatment Services Locator a service provided by the Substance Abuse and Mental Health Services Administration. You can also contact your state substance abuse agency—many states will help pay for substance abuse treatment.

If the person in need of treatment is a veteran or is covered by health benefits for veterans, the U.S. Department of Veterans Affairs (VA) can help find VA services providing the required service. VA Substance Use Disorder Program Locator is a good first step to start the search.

The new Mental Health Parity and Addiction Equity Act ensures that co-pays, deductibles, and visit limits are generally not more restrictive for mental health and substance abuse disorder benefits than they are for medical and surgical benefits. The Affordable Care Act builds on this law and requires coverage of mental health and substance use disorder services as one of the essential health benefits categories. Under the essential health benefits rule, individual and small group health plans are required to comply with these parity regulations.

When researching payment options for addiction treatment services, it is important to make sure whoever is helping is familiar with the new rules, as old websites and pamphlets are not necessarily updated.

To learn more about treatment cost and available options, call Florida Center for Recovery at 800-851-3291