Living with addiction can be incredibly challenging. Drug and alcohol abuse can take a toll on your health, emotional well-being, relationships, and more. If you struggle with substance abuse or addiction, you must seek treatment.
Many people worry about how to pay for rehab. Insurance often covers some or all of the costs associated with addiction treatment. But what if you don’t have current health insurance?
This article will detail some of the ways to get insurance for rehab. You will learn how to find and use insurance to pay for rehab services.
Reach out to the treatment specialists at Alamo Behavioral Health now to explore your treatment options. Our intake staff can answer questions, connect you with resources to pay for substance abuse treatment, and schedule appointments. Contact us now to begin your recovery journey.
Does Insurance Pay for Rehab?
The Affordable Care Act (ACA) requires insurance companies to pay for substance abuse and mental health treatment costs. This law prevents insurance companies from denying mental health and addiction treatment coverage.
The amount of coverage and out-of-pocket costs will vary depending on your specific insurance plan. However, the ACA requires insurance companies to cover some of the cost of drug and alcohol rehab. If you have insurance, it is likely that some of the cost of treatment will be covered.
Verifying what your plan covers before beginning a rehab program is essential. You can verify your insurance details in several ways, including:
- Call the number on the back of your health insurance card and speak with a representative
- Locate the details of your specific insurance plan on the insurance company’s website
- Ask your treatment center’s staff to verify the details of your plan
Rehab centers often have a dedicated team of intake specialists who will verify the details of your insurance plan. They can also navigate the insurance process. This will allow you to focus on your recovery instead of worrying about your insurance.
How Can I Get Insurance For Rehab?
If you do not have insurance, there are several ways to get it so that you can begin an addiction treatment program. Here are some of the ways you can get insurance for rehab.
From your employer
About half of all people in the United States have health insurance from their employer. If you are employed and meet specific criteria, you may be able to obtain insurance from your employer.
On the health insurance marketplace
You may be eligible to purchase a health insurance marketplace plan. You may be able to buy an affordable plan through a state or federal website. Health insurance marketplace websites allow you to compare plans, explore pricing, and purchase coverage.
You must purchase a plan during the Open Enrollment period, which occurs from November 1 to January 15. If you meet certain criteria, you may be able to purchase insurance on the marketplace.
Apply for Medicaid
Medicaid is a state and federally-funded program. It provides low-cost or free health insurance to people with disabilities or low incomes. Each state has its own eligibility requirements.
Contact the intake specialists at Alamo Behavioral Health if you need help finding insurance. Our team will work with you to find the coverage you need so that you can begin your recovery journey as quickly as possible.
What Levels of Care Will Insurance Cover?
Insurance plans vary, so it is crucial to verify the details of your plan before beginning treatment. However, most plans cover some or all of the costs associated with addiction treatment.
Insurance may cover:
- Medically supported detox programs
- Inpatient addiction treatment programs
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Outpatient rehab
- Medical care
- Mental health treatment
- Medications
- Screenings
Typically, insurance will only cover evidence-based treatment programs. You may need to obtain an official substance use disorder (SUD) diagnosis for your insurance to cover rehab.
How to Pay for Rehab Without Insurance
There are several ways to pay for rehab without insurance. Here are some of the ways you may receive care in an addiction treatment facility without insurance.
Payment plans
Many treatment centers offer payment plans that allow people to pay for rehab slowly over several months instead of all at once.
Grants or scholarships
Some treatment centers and other organizations offer grants or scholarships that can help people afford rehab without insurance. Research your options and apply for help quickly so you can begin rehab immediately.
Crowdfunding
Ask friends and family members to donate towards your rehab expenses. Loved ones often struggle to know how to help. Asking them to help pay for rehab can give them a practical way to support your recovery journey.
Find Help Now
If you or a loved one struggles with addiction, you must seek treatment. Contact the Alamo Behavioral Health team now to explore ways to get insurance and pay for the help you need.
