Drug and alcohol addiction can lead to long-term problems. People with addiction often face severe consequences in their mental and physical health, relationships, and more.
If you live with substance abuse or addiction, you must seek treatment and ongoing support. Evidence-based treatment programs can help you stop using drugs safely and learn how to avoid relapse. It can help you get a fresh start toward a healthier life.
However, many barriers can keep people from seeking help when they need it. Some may put off getting treatment, even when addiction causes significant problems.
One of the barriers people face is knowing how to pay for rehab. Paying for addiction treatment may seem overwhelming–but it doesn’t have to be.
This article will detail many payment options you could use to pay for substance abuse treatment. Reach out to the Alamo Behavioral Health specialists now to learn about our substance abuse treatment programs. You may also verify your insurance or schedule an intake evaluation.
Does Insurance Pay for Rehab?
For many, the cost of addiction treatment may seem overwhelming. Many people wonder if their health insurance will cover the cost of treatment. Fortunately, insurance does cover treatment for substance abuse.
The Affordable Care Act (ACA) requires insurance companies to cover the cost of substance abuse and mental health treatment. Many people have private insurance through their employer or have a state-funded plan. If this is the case, there is a good chance that it will cover the cost of treatment for a substance use disorder.
Insurance typically covers all levels of care, including:
- Medically-supported detox
- Inpatient/residential treatment
- Outpatient treatment, including partial care and intensive outpatient programs
- Aftercare, including medications, mental health treatment, and medical care
However, you must verify the details of your specific insurance plan. Treatment plans can vary, even within the same insurance company. Before committing to treatment, you must learn about what services and treatment centers your plan covers.
Insurance companies often require people to have a formal substance use disorder (SUD) diagnosis before they will cover addiction treatment. You may need to have a substance abuse evaluation before beginning treatment. Many treatment facilities provide this service.
How to Verify Your Insurance
Before starting a treatment program, you must verify the details of your specific plan. Taking this step ensures you will understand what services and programs your plan covers. You will also learn what your out-of-pocket costs might be.
There are several ways to verify the details of your insurance plan. You may:
- Call the phone number on the back of your insurance card and speak to a representative
- Explore your insurance company’s website to learn the details of your plan
- Ask the insurance specialists at your rehab center to verify your insurance
Many rehab facilities have staff who will verify and navigate insurance plans. This can make getting the help you need even easier.
Paying for Treatment Without Insurance
If you do not have health insurance, there are other ways to fund treatment for addiction. Here are some of the ways you can pay for treatment without insurance.
Consider low-cost treatment
There are many types of treatment facilities. Some offer luxurious amenities, and some provide more modest environments. A treatment center does not need to be luxurious to provide safe, effective care.
State-funded and low-cost treatment centers offer care in many levels, including inpatient treatment and outpatient rehab options.
If you need to pay out-of-pocket for treatment, you may want to consider low-cost or state-funded rehab programs.
Crowdfunding
You may ask friends and family members to fund treatment. You can set up a GoFundMe or ask loved ones directly. Your loved ones likely want to help. Asking them to help you pay for treatment will let them provide concrete assistance.
Explore other types of insurance
If you do not have health insurance from an employer, you may still be eligible for other types of insurance. Many people are eligible to purchase insurance on the open market.
You may also be eligible to apply for state insurance or Medicare. You may contact the specialists at Alamo Behavioral Health to learn more about obtaining insurance.
Payment plans
Many treatment facilities offer payment plans. Payment plans allow people to make smaller monthly payments instead of paying all at once. This can help more people afford treatment.
Grants
You may be eligible for scholarships or grants to cover the cost of treatment. The Mental Health Services Administration (SAMHSA) offers grants to help people pay for addiction treatment. Visit their website to learn more about this opportunity.
Find Help Today
There is always a way to pay for the treatment you need. Reach out to the Alamo Behavioral Health specialists to learn more about your payment options. You may also verify your insurance and schedule an intake assessment.
