What To Do If You Can’T Afford Rehab? (Perfect answer)

  • If you can’t afford rehab, you may qualify for scholarships or price reductions that aren’t mentioned on a treatment center’s website. Also, when it comes to checking your insurance coverage, be persistent. Get in touch with a representative from your insurance company and ask about the center you’re considering.

Contents

How long can a patient stay in rehab?

Many treatment facilities typically offer patients short-term stays between 28 to 30 days. However, certain residential facilities may also offer extended stays for an additional fee, provided the patient is showing positive signs of recovery. 5

Is sober living the same as rehab?

Unlike rehab centers, sober living communities do not conduct sessions or provide treatments for addicts. Those treatments occur in rehab, where addicts go to detoxify. Only after this process should addicts consider sober living communities.

What is the 60 rule in rehab?

The 60% Rule is a Medicare facility criterion that requires each IRF to discharge at least 60 percent of its patients with one of 13 qualifying conditions.

What is the criteria for inpatient rehab?

Rehabilitation Readiness Patient is willing and able to participate in a rehabilitation program. Patient must be able to participate in an intensive therapy program i.e., 3 hours per day, 5 to 6 days per week. Patients require two or more therapy disciplines. Patients require at least a five-day rehab stay.

What is a sober shelter?

Sober living houses (SLHs), also called sober homes and sober living environments, are facilities that provide safe housing and supportive, structured living conditions for people exiting drug rehabilitation programs. SLHs serve as a transitional environment between such programs and mainstream society.

Are halfway houses coed?

Are There Co-Ed Halfway Houses Available? There are both single-gendered and co-ed sober living homes out there, and there are benefits to each. Some of the benefits of going to a co-ed sober living facility can be: You can learn how to communicate successfully with both genders.

What is the difference between a nursing home and a rehab facility?

While nursing homes are looking for patients who need long-term or end-of-life care, rehabilitation centers are focused on helping residents transition back to their everyday lives.

How Long Does Medicare pay for physical therapy in a nursing home?

Medicare covers inpatient rehab in a skilled nursing facility – also known as an SNF – for up to 100 days. Rehab in an SNF may be needed after an injury or procedure, like a hip or knee replacement.

What is considered short-term rehabilitation?

What is short-term rehabilitation? Short-term rehabilitation provides therapy for individuals recovering from a surgery, illness or accident. Generally, those needing short-term, in-patient rehabilitation may remain involved in their program at one of our facilities for as little as a couple of days to several weeks.

How many days of rehab are covered by Medicare?

Medicare will pay for inpatient rehab for up to 100 days in each benefit period, as long as you have been in a hospital for at least three days prior. A benefit period starts when you go into the hospital and ends when you have not received any hospital care or skilled nursing care for 60 days.

What is considered a skilled nursing facility?

A skilled nursing facility is an in-patient rehabilitation and medical treatment center staffed with trained medical professionals. Skilled nursing facilities give patients round-the-clock assistance with healthcare and activities of daily living (ADLs).

What is the difference between skilled nursing and inpatient rehab?

An inpatient rehab facility offers acute care for those who need a higher level of rehabilitation following traumatic injuries and surgeries such as amputations. Skilled nursing facilities, on the other hand, offer subacute rehabilitation, which are similar but less intensive than the therapies provided at an IRF.

SAMHSA’s National Helpline

  • What Is Substance Abuse Treatment and How Does It Work? A Booklet for Children and Their Families This program was developed for family members of those who suffer from alcoholism or drug addiction difficulties. Questions regarding substance abuse, including its symptoms, different forms of therapy, and rehabilitation are addressed in this section. This publication addresses the issues of children whose parents have drug misuse or addiction disorders. Addiction to alcohol and drugs may occur in even the most loving of families. This book describes how alcohol and drug addiction have an impact on the entire family. He describes the process of drug and alcohol addiction therapy, how family interventions may be a first step toward recovery, and how to assist children in homes afflicted by alcoholism and drug misuse. It’s Not Your Fault (National Association of Colleges and Employers) (PDF | 12 KB) Assures kids who have parents who misuse alcohol or drugs that “It’s not your fault!” and that they are not alone in their struggles with substance addiction. A resource list is provided, which encourages kids to seek emotional assistance from other adults, school counselors, and youth support organizations such as Alateen, among other places. It Hurts So Much: It Doesn’t Have to Be This Way The organization provides information on alcohol and drug addiction to youngsters whose parents or friends’ parents may be struggling with substance misuse issues. The author encourages young people to look out for one another by talking about their problems and joining support organizations such as Alateen. When There Has Been an Attempt: A Guide to Taking Care of a Family Member Once you have received treatment in the emergency department, Aids family members in dealing with the aftermath of a relative’s suicide attempt by providing information and resources. Provides an overview of the emergency department treatment procedure, a list of questions to ask regarding follow-up care, and information on how to limit risk and maintain safety while at home. Family therapy can be beneficial for people who are recovering from mental illness or substance abuse. This course examines the function of family therapy in the treatment of mental illness and substance misuse. A family therapy session is described in detail, along with the people that conduct them. It also includes information on the usefulness of family therapy in the rehabilitation process. Please visit the SAMHSA Store for further resources.

What to do if You Can’t Afford Rehab

In the end, this might discourage individuals from obtaining the assistance they require. There are a variety of reasons why you may believe that you are unable to afford drug rehab, but there are several programs in place to assist individuals who are unable to pay the costs of substance addiction rehabilitation.

How Much Is Drug Rehab?

Unfortunately, there isn’t a simple solution. The cost of rehabilitation is determined by a variety of factors. Is the patient in need of medical assistance during the detoxification process? Is it an inpatient or an outpatient hospitalization program that they are a member of? How long do you expect them to be in treatment? Are they seeking for a basic recovery program or a premium rehab facility? Obtaining answers to these and several other questions will aid in determining the cost of addiction treatment services.

When it comes to paying for drug treatment, we at Banyan Pompano recognize that every patient has a unique set of circumstances.

I Need Rehab But Can’t Afford It. What Do I Do?

Drug treatment for someone who does not have access to financial resources may appear to be an unachievable ideal. Although the outside cost of treatment may appear to be prohibitive, many patients obtain financial aid to cover the costs of addiction therapy, particularly when they are unable to pay for treatment on their own. Scholarships, insurance, and even public assistance programs are available to aid with rehab costs or give other treatment alternatives for those who qualify. If you are struggling to figure out how to pay for drug rehab, these numerous rehab payment options may be of assistance.

1.Does My Insurance Cover Rehab?

When seeking for assistance in paying for rehab, the first thing you should look into is whether or not your health insurance covers drug addiction rehabilitation. While many individuals instinctively think that mental health and drug misuse illnesses are not covered by health insurance, the truth is that they are covered to varied degrees depending on your health insurance plan. Substance addiction problems are now considered essential health benefits under the Affordable Care Act, and are covered by all marketplace plans.

1 Because coverage varies from company to business, you should contact your health insurance provider directly to find out what treatments are covered under your plan and when you might be able to upgrade to a plan that does cover these services.

At Banyan Pompano, we also provide free insurance verification so that you can determine whether or not your insurance covers treatment.

2.Substance Abuse Treatment Scholarships

Scholarships aren’t simply for those attending college. If you are unable to pay for recovery, scholarships might be quite beneficial. When someone is in need of financial assistance, our rehab scholarship can assist them in paying for drug rehab. Numerous local groups, such as religious organizations and governmental aid programs, offer scholarships to students who meet certain requirements.

3.Ask Friends or Family for Help

Addiction is a family illness, and it is probable that your substance usage has had an influence on the people closest to you. If you are unable to pay for rehab on your own, your friends and family may be ready to assist you with the expense of treatment. They have most likely been trying to get you into therapy for a long time, so if you take the effort to go on your own, they may be willing to help you pay for treatment.

4.Get A Loan

People obtain loans for a variety of purposes, including college, automobiles, and homes. If you are serious about becoming clean, a loan may be able to provide you with the funds you require to pay for treatment. You need to think of this loan as an investment in your long-term financial well-being. If you have bad credit or are concerned about repaying the loan, ask a friend or family member if they would be willing to take out a loan in your name and use the money to assist you in paying for treatment.

5.Find Free Addiction Support Groups

Almost every sort of addiction has a support group dedicated to it. If you reside in or near a big city, you will almost certainly be able to locate a support group that is tailored to your specific requirements. Alcoholics Anonymous and Narcotics Anonymous are two well-known support organizations that have shown to be effective in helping people obtain and stay sober. Atheists and agnostics may find common ground with programs like as Rational Recovery, Moderation Management, and Secular Organizations for Sobriety, among others.

6.Use Other Addiction Resources

If you are presently in treatment, waiting for treatment, or have completed treatment, there are several addiction services available to help you become and remain sober. Self-help books may be a wonderful source of information. There are also a range of smartphone applications available that may be quite beneficial for those who are battling with substance misuse. Prepare by conducting research and identifying groups, programs, and other resources in your local community. Whenever it comes to locating a rehab facility that is within your budget or receiving treatment for your addiction issues, never give up hope!

Also, when it comes to verifying your insurance coverage, remain diligent in your pursuit of answers. Talk to a representative from your insurance company and inquire about the facility you’re thinking about using.

OurPompano substance abuse treatment centerwants to help people get the treatment they need to get and stay sober. If you are considering treatment, but you want to learn more about your rehab payment options, do not hesitate to reach out. By calling888-280-4763, you could be taking the first step to recovery.

How can you get into rehab if you don’t have health insurance that covers drug and alcohol treatment? The question is one that many families struggle with, and there is no obvious solution. Fortunately, there are options for financing your treatment or the recovery of someone you care about, even if you are not covered by insurance. Continue reading to learn about some of the choices you may have for paying for recovery.

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What Are the Different Types of Drug and Alcohol Rehab Programs?

In order to select how you will fund your rehabilitation, it is essential that you get aware with the many treatment alternatives accessible to you. The sort of rehab therapy you receive has an impact on the cost, so be sure to look into your alternatives. Do you require inpatient or outpatient rehabilitation? The difference between inpatient and outpatient therapy is that inpatient treatment requires you to reside at the treatment facility for the duration of the program, whereas outpatient treatment allows you to get treatment during the day and return home at night.

Are There Free Drug and Alcohol Rehab Programs?

If you require drug or alcohol rehabilitation but do not have health insurance or have limited financial means, state-funded rehabilitation centers may be an alternative for you. Treatment facilities for addiction funded by local and state governments are essentially tax-funded addiction treatment facilities, which means that the programs accept money from the government in order to provide alcohol and drug rehabilitation services to people who would otherwise be unable to afford treatment. Depending on the state, funding sources can range from federal grants to Medicaid reimbursements to state budgets, although many local and state-funded programs receive financing from a combination of federal grants, Medicaid reimbursements, and state budgets.

When you apply to one of these programs, you may be required to provide documentation of your income, lack of insurance, citizenship in the United States, and residency in the state where you are seeking treatment.

A Directory of Single State Agencies (SSA) for Substance Abuse Services is also maintained by SAMHSA to make it simpler for people to find out where they may get help.

For more than a century, the Salvation Army’s rehabilitation programs have provided emotional, social, and spiritual support to people who are battling with drug and alcohol addiction.

Admission into a private treatment facility would normally necessitate the use of health insurance or the establishment of a payment plan.

How to Pay for Rehab With No Insurance

Even if free rehab therapy is not accessible, there are alternative options available to you if you are unable to pay for inpatient or outpatient treatment due to a lack of insurance coverage. This section will look at some of those possibilities, which will also be beneficial if you do not have the financial means (or cannot afford) to pay for your own addiction recovery treatment:

  • Financial assistance, grants and scholarships, subsidized coverage, sliding scale, fundraising, and support from friends and family

Financing

Financing is nearly usually the greatest choice for people who want emergency treatment but do not have the financial means or the ability to save and pay for their medical expenditures out of pocket. Individuals who are battling with an active addiction may find it extremely difficult to hold a work and save money at the same time. With financing, you can receive the entire amount of money you need to pay for treatment. It transfers this sum straight from your bank account to the rehab program and then gives you with a repayment plan that is tailored to your financial situation when you have completed treatment.

Some programs will even provide you a 6-month grace period to look for work and settle into your new home before you have to start paying payments.

Grants and Scholarships

The Substance Abuse and Mental Health Services Administration (SAMHSA) offers grant monies via the Centers for Substance Abuse Prevention and the Centers for Substance Abuse Treatment. Non-competitive grants might assist you in paying for your alcohol or drug addiction treatment if you do not have insurance coverage and are trying to come up with the necessary funds. 1 Make sure to read through all of the application criteria on the SAMHSA’s website to see whether you are eligible to earn a scholarship.

Make contact with these establishments and inquire as to whether they provide any scholarship or grant chances for individuals who are underinsured or do not have insurance.

Many treatment clinics provide a number of scholarships available to potential patients who are unable to fund the costs of their recovery on their own.

These searches may point you in the direction of organizations that have funds available to support you in your efforts to improve your own personal health and wellness.

It will take time and effort to look for scholarships and grants, but the cash you have the potential to get may give you with the chance to continue your recovery journey.

Subsidized Coverage

Many people with lower earnings are unable to obtain health insurance, which creates an extra obstacle when it comes to overcoming an addiction to drugs or alcohol. Subsidized coverage provides coverage for addiction treatment as well as lower rates for people with limited financial resources who are seeking treatment for addiction. Since the passage of the Inexpensive Care Act (ACA) in 2010, more individuals have been able to obtain affordable health insurance coverage. Behavioral health and drug use disorder services, as well as rehabilitative therapies, are now mandated to be covered by the majority of health insurance policies as of 2014.

To see if you are eligible for a government subsidy, please click here.

These state-run programs are geared on assisting those who are unable to pay for rehabilitation.

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Sliding Scale

Many addiction treatment programs recognize how difficult it may be to fund one’s recovery and strive to make treatment available to as many people as possible who need it. They are frequently eager to collaborate with you in order to develop a customized fee that is based on what you can actually pay given your income and overall financial situation. The Substance Abuse and Mental Health Services Administration can supply you with information on facilities that charge on a sliding fee scale for services.

Fundraising

If none of the methods listed above are accessible, you can try fundraising, which can be done by selling personal things or by soliciting financial contributions. Nothing is more vital than establishing and keeping sobriety when it comes to your emotional and physical well-being. Consider holding a garage sale for lesser goods and selling more expensive items on the internet through an online seller, such as Craigslist, eBay, or OfferUp, in order to collect money for your addiction therapy. It is recommended that you create an account on a crowdfunding platform such as IndieGoGo or GoFundMe to collect donations if you are asking for financial donations.

Friends and Family

You may be apprehensive about asking friends and family for financial assistance to cover the costs of your addiction treatment, but the odds are that they are willing to assist you in making a positive change in your life.

If you choose to, you can write personal emails to loved ones describing your situation and why you decided to enroll in a recovery program.

What Is Medicaid?

In the United States, Medicaid is a federal and state-funded program that provides healthcare coverage to those who fulfill the program’s qualifying criteria (including income). In most circumstances, you must meet the Medicaid eligibility requirements based on your Modified Adjusted Gross Income (MAGI) (MAGI). 6 This approach is used to decide whether or not a kid, pregnant woman, or an adult is eligible for Medicaid. If you are over the age of 65, you are exempt from the MAGI requirements. Because Medicaid provides insurance to low-income people who meet particular qualifying standards, addiction treatment becomes more affordable for more people.

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What Is Medicare?

In order to provide people with the financial resources they require for healthcare, Medicare is a program that is jointly supported by the states and the federal government. It offers health insurance to persons who fulfill certain age, disability, and income conditions. It is funded by the federal government. Is alcohol and drug treatment covered by Medicare? Yes, if you require addiction treatment, Medicare healthcare coverage may be able to assist you with the costs of your treatment and cover at least some aspects of it.

8 Additional coverage for federal employees and veterans is provided via collaboration with the Federal Employees Health Benefits (FEHB) program and the Department of Veterans Affairs (VA).

The Affordable Care Act (ACA)

With the implementation of the Affordable Care Act (ACA), more Americans will now be able to obtain health insurance, which will include coverage for mental health therapy. The Affordable Care Act assures that mental and behavioral health issues be treated in the same way that physical health disorders are. The treatment of drug use disorders (which includes detoxification, inpatient treatment, outpatient therapy, counseling, and other services) is included in this category. People who are battling with substance abuse, as well as co-occurring mental health illnesses, may now receive drug and alcohol addiction treatment via a variety of rehabilitation programs thanks to expanded coverage provided by the Affordable Care Act.

COBRA Coverage

When your work is lost, it can be difficult to keep your health insurance coverage in place. However, there are several choices accessible to you. If you lose your job-based coverage, your prior employer may be able to provide you with COBRA continuing coverage. In accordance with the Consolidated Omnibus Budget Reconciliation Act, workers and their families have the option to maintain the group health coverage that they previously had under their employer’s group health plan for a limited period of time, known as COBRA.

If you have lost your work, your employer will notify you of your ability to continue your health insurance coverage under the Affordable Care Act (COBRA).

In order to maintain your coverage, you must enroll in COBRA and pay the complete premium amount (what was previously covered by you and your employer).

In addition, any mental health or drug abuse therapy that was funded by your insurance plan falls under this category.

Unemployment may not exclude you from receiving the alcohol or drug treatment that you require, although the process may be a little more challenging than it was while you were employed.

Getting Help for Drug or Alcohol Addiction

If you don’t have the financial resources to pay for the assistance you require, there are other options. Please don’t let a lack of financial resources to prevent you from enjoying the sober life you deserve. The American Addiction Centers (AAC) is a major supplier of inpatient and outpatient rehabtreatment services, regardless of whether you have health insurance or not. AAC is dedicated to assisting individuals who are battling with addiction on their road to rehabilitation. If you are seeking for information about addiction treatment, you can reach out to us at any time of day or night for additional information.

Related Guides on Paying for Rehab Treatment

  • What Does Rehabilitation Cost? How to Pay for Rehabilitation Services Without Insurance
  • Addiction Treatment Facilities in My Area That Are Affordably Priced
  • Aid in the form of financial assistance, scholarships, and grants for rehabilitation 9 Practical Tips to Assist You in Paying Your Bills While You’re in Rehabilitation

If I Definitely Can’t Afford Inpatient Rehab, What’s the Best Outpatient Program?

Not everyone has the financial means to pay for inpatient addiction treatment. With monthly expenses often ranging from $3,000 to $10,000, it’s a steep financial hill to climb for someone who is suffering from a drug or alcohol addiction. A person suffering from an addiction who believes that obstacles are standing in their way of receiving the treatment they require is something that no one wants to see happen. Yes, money may be a stumbling block. However, there are many individuals working in the addiction treatment field who are committed to doing all in their power to discover answers to the problem.

  • They must provide coverage in the same way that they would provide coverage for any other type of medical care.
  • Do you have health-care insurance policies in place?
  • If you answered yes, There is no need to be concerned if you do not have health insurance coverage.
  • Alternatives to chemotherapy are available.

Affordable Outpatient Alternatives

If you are unable or unable to participate in an inpatient addiction treatment program, there is a good possibility that you will be able to receive the therapy you require as an outpatient client. Most outpatient programs are substantially less expensive than the average inpatient program, so you should be able to locate an outpatient treatment option that is within your budgetary limits. However, you will need to consult with your rehabilitation center of choice in order to determine which outpatient treatment option would best match your requirements.

The administrative staff of a rehabilitation center is responsible for matching each client with the most appropriate alternative depending on the customer’s financial and time available constraints.

The extent to which the client’s addiction has progressed should also be considered. The following are the three most common outpatient therapy options:

  • Partially hospitalized
  • Intensive outpatient
  • Standard outpatient
  • Partial hospitalization

The major characteristics of each outpatient treatment option will be discussed in further detail below. This will provide you with a better understanding of what to expect at each stage. Clients will live and sleep at home in all three circumstances, but they will report for therapy on the days and times that have been planned.

Partial Hospitalization

Partially hospitalization is the most stringent outpatient treatment option available. Clients should anticipate to be in therapy for two to three months, five to seven days a week, six to eight hours a day, six to eight days a week. Clients with moderate to severe addiction disorders are referred to this option by rehab facilities. Participants at the institution will be required to participate in both individual and group therapy sessions during their stay with us. Individual counseling enables individuals to get insight into the underlying causes of their addiction problems.

Clients can connect with one another in group therapy, which is a therapeutic modality that has been proven to be effective.

It is also hoped that clients will build bonds that will serve as significant future support resources for one another.

Intensive Outpatient

Although intensive outpatient therapy is less restricted, it nevertheless necessitates a significant investment of time and effort on the part of the client. Clients should anticipate to spend three to five days a week, four to six hours a day, for two to three months in therapy, depending on their situation. Clients with mild addiction disorders who require supervision are referred to this option by rehabs. Clients will spend the most of their time working with their therapists as individuals if they choose to go with this option.

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Standard Outpatient

Patients with mild addiction disorders who have a fair level of control over their life might benefit from traditional outpatient treatments. A patient can anticipate to spend one or two days a week in therapy for one to two hours per day for a period of two to three months. Therapists choose to utilize this option for clients who have already gone through more intensive levels of therapy but who only want a little additional support during the maintenance phase of their recovery. For those struggling with drug or alcohol addiction, we do not want you to allow financial constraints prevent you from seeking treatment.

Please call us at (772) 934-6580 if you require any information.

What Are My Options if I Can’t Afford Detox Centers Near Me?

While addiction treatment is an obvious requirement for many people, the cost of attending a rehabilitation clinic may be prohibitively expensive for others. Unfortunately, people who are in desperate need of therapy frequently face financial difficulties.

If you are uninsured or underinsured, you may be faced with a significant financial burden for drug and alcohol treatment. Fortunately, there are additional services available to assist those who are uninsured or underinsured in raising the funds they require for treatment.

Can I Receive Immediate Treatment?

If you are not happy with your present financial status, it is understandable that you may be hesitant to seek treatment. While the expense of drug and alcohol addiction treatment is frequently a financial barrier for individuals, there are specific scenarios in which you may find yourself that necessitate emergency treatment, regardless of your present insurance condition or financial situation. For example, if you or a loved one is in an emergency scenario, such as an overdose, you should seek medical attention as soon as possible.

If this is the case, do not be concerned about how you will pay for therapy; instead, get assistance immediately.

Talk to the administrative personnel at the hospital or medical center once your emergency has passed to find out what payment options are available to you.

Signing Up for Insurance

Your present insurance may make you believe that a stay in a rehabilitation facility is out of the question. You might be pleasantly pleased to find that certain insurance companies will pay a portion or the entire cost of your rehabilitation stay. If you still require low-cost insurance, go online for state-sponsored plans or go to the government’s healthcare website for further information. If you are qualified for Medicaid or Medicare, your local county office can also assist you in enrolling in these programs through their website.

Inpatient hospitalization may not be covered in full by your insurance, however outpatient hospitalization may be covered in full by your insurer.

What Are My Other Options?

Don’t give up simply because you aren’t covered by health insurance. There are a variety of alternative options available for paying for therapy. Always inquire about the treatment alternatives available at a possible rehab center. They might be able to provide you with information that will make it simpler for you to finance rehab. Other alternatives for making a payment include: Not every facility will want you to pay the entire fee up front. Financing options are available. Some companies provide unique financing that allows you to extend your payments over a longer period of time.

  1. Grants and scholarships- Look for grants and scholarships in your state by entering your zip code.
  2. Loans- Some rehabilitation institutions may enable you to borrow money to pay for your treatment.
  3. Crowdfunding- Thanks to the emergence of social media, raising funds for your needs is as simple as clicking a button.
  4. Set aside your ego and launch a fundraising campaign on one of the many crowdfunding platforms available.

Reduce the size of your house by selling items that you no longer require. For more expensive products that you want to sell, try promoting them online in order to make a larger profit.

Don’t Give Up

Detox and rehabilitation can be extremely expensive. It’s also difficult to have to give up working, paying bills, and taking care of other duties in order to enter treatment. Your health, on the other hand, should always take precedence over anything else. Maintain your search until you discover a solution, even if you do not have the funds on hand or the insurance to cover the cost of therapy. Consult with the administration office of your local rehabilitation facility to find out what they recommend.

We are ready to assist you as soon as you are ready to receive assistance.

Count on us to do all in our power to assist you in your pursuit of sobriety and better health.

How Do I Pay For Addiction Treatment?

When someone decides to seek treatment for addiction, the stress of figuring out how to pay for it may be just as taxing as the addiction itself to overcome. The expense of rehabilitation is sometimes a deterrent for individuals who require therapy, but this does not have to be the case. Treatment for addiction varies greatly in price based on the quality of care required. Residential treatment programs provide the highest quality of care, but they are also the most expensive as a result of the high cost of care.

When it comes to rehab expenses, regardless of whether you have health insurance, there are several solutions available to help pay the costs if you want assistance analyzing your financial possibilities.

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Paying For Treatment With Insurance

Most private health insurance policies do cover some amount of drug misuse treatment, and some plans do pay the whole cost of treatment. To discover more about your insurance company’s benefit coverage for residential treatment, contact them or check their website to see what is covered. If you don’t know what to ask, many drug treatment programs will gladly assist you in this endeavor. They can find out if they are part of your provider network, how many days they are covered under your individual plan, and what services are covered under your specific plan.

  • See the following pages for more information on these big insurance companies and the addiction treatment treatments they provide.
  • The quantity of coverage you receive is determined by the plan level you select as well as your residence.
  • The division provides confidential drug addiction and mental health treatments to ensure that clients have the best chance of achieving long-term recovery.
  • Cigna takes great pleasure in offering affordable, high-quality healthcare coverage to approximately 86 million clients throughout the world.
  • Cigna’s Behavioral Health section, which is focused to offering educational skills and resources for overcoming one’s substance usage, will be able to assist those seeking treatment for their addiction.
  • Learn more about Cigna’s drug and alcohol treatment programs, as well as the levels of coverage that are available.
  • Depending on the individual’s requirements, the firm will assess the amount of coverage required for a successful recovery.
  • Partially hospitalized patients with Aetna insurance may be eligible for services like as detoxification, inpatient rehab, and ongoing care; however, it is vital to verify with your insurance provider to determine what services are covered under your specific plan.
  • Blue Cross and Blue Shield insurance plans cover nearly one in every three individuals in the United States, which is why the firm is devoted to delivering exceptional care to all of its consumers.
  • Through the company’s OneHealth mobile platform, those who suffer from addiction may also get access to round-the-clock assistance and educational materials to help them overcome their addiction.

Read on to learn more about the extensive range of coverage options available with a Blue Cross Blue Shield insurance plan.

The Affordable Health Care Act (ACA, Or Obamacare)

Following passage of the Affordable Health Care Act, an insurance applicant will no longer be discriminated against because of the presence of a pre-existing condition, making it possible for someone who is already struggling with addiction to obtain coverage. In the Affordable Care Act, drug and alcohol addiction illnesses are included in the list of ten essential health benefits, which implies that insurance must treat addiction and mental health issues with the same degree of priority that they would accord to other medical conditions.

Michael S.

… The mandate that insurance companies provide coverage for disorders such as alcoholism has been hailed as a major accomplishment of the Patient Protection and Affordable Care Act.

Those still in the abuse stage of the disease, rather than the addiction and dependent stage of the disease, may be identified and intervened with, and their needs can be met.

Health Insurance Marketplace Plan Types
Bronze plans 60 percent expense coverage
Silver plans 70 percent expense coverage
Gold plans 80 percent expense coverage
Platinum plans 90 percent expense coverage
Catastrophic 60 percent total average cost coverage*

*This option is only available to those under the age of 30 or those who have special circumstances.

Common Questions About Rehab

For select portions of the population, federal and state-sponsored health benefits are provided to cover the expenses of rehabilitation. This type of insurance policy can give financing choices for alcoholism treatment, and each program has its own set of qualifying conditions. You must meet one of the following criteria in order to be eligible forMedicaid:

  • Those above the age of 65 and those under the age of 19 Whether you’re expecting a child or a parent, If your income falls inside a specified range,

You must meet one of the following criteria in order to be eligible for Medicare:

Break free from addiction.

You have a number of possibilities. Today is a good day to discuss them with a treatment provider. (855) 826-4464 (toll-free)

Private Funding And Financing

It may be required to get private finance for treatment if an individual is uninsured or does not qualify for federal or state help because the cost of rehabilitation can be rather costly depending on the facility and duration of stay. A scholarship may be available at certain addiction treatment clinics, so speak with the admissions office as soon as you have made your decision on a recovery facility. If this is not the case, the treatment center may provide financing programs that allow you to make payments after you have completed your treatment.

Discuss funding possibilities with any treatment center you are considering before making a final decision.

If you have equity in your property, you may be able to access it through a home equity loan and use the money toward rehab services if necessary.

Fundraising Or Crowdfunding

In addition, family members may be able to assist you in paying for recovery. Consider suggesting that they make the payment directly to the facility in order to ensure that the funds are used for the purposes for which they were allocated. Friends may also be able to assist you in raising money for your rehab expenses via the use of crowdfunding websites such as GoFundMe.

State And Local Government Programs

State-run drug and alcohol addiction treatment programs that are supported by the federal government can give public help. Depending on the state, these programs may be administered by a distinct agency or they may be incorporated within a bigger health or behavioral health department overall. These professionals can provide both outpatient and inpatient care, as well as follow-up and follow-up services. For an individual to be eligible for assistance through these public programs, he or she must meet a number of criteria, including proof of citizenship, proof of residence in the program’s state, the severity and history of the individual’s addiction, and a demonstrated inability to afford alternative treatment options due to income and other factors.

SAMHSA Grants

One of the block grants granted by the Substance Abuse and Mental Health Services Administration (SAMHSA) is a source of federal financing for state addiction treatment programs. Individuals who fall into particular demographic groups can benefit from the Substance Abuse Prevention and Treatment Block Grant (SABG), which provides funding for drug and alcohol prevention and treatment programs. Pregnant and postpartum women, as well as intravenous drug users, are just a few examples of those who can be eligible for this sort of funding.

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Contacting a treatment provider is completely free of charge right now. Make a phone call to (855) 826-4464 or click here.

Selling Items Of Value

It may be necessary to sell some non-essential objects of value in order to fund treatment for a significant drug abuse problem due to the significance of seeking help for a serious substance abuse problem. Sports equipment, digital equipment (cameras, computers, etc.), art collections, music equipment, secondhand cars or boats, sports memorabilia, and jewelry are just a few of the items that may be sold fast and inexpensively through eBay. All of these goods are not necessary for survival, but they can help you get the finances you need to get the addiction treatment you need.

Non-Profit Treatment Centers

Treatment for substance abuse disorders is provided at little or no cost through non-profit organizations. In order to be eligible for the Salvation Army’s no-fee program, a patient must be willing to work 40 hours per week in order to cover the cost of their accommodation and board. They labor in the warehouses sorting donated products or assisting with administrative chores in return for a six-month treatment program that is provided at no cost to the participants.

Teen Challenge is a non-profit organization that provides addiction treatment for both kids and adults at a low cost to those in need. The cost of the facility varies from one site to another, so check with your local program to find out how much it will cost you to attend Teen Challenge.

Getting Started In Treatment

At the end of the day, paying for an addiction treatment program is quite feasible. Once you’ve made the decision to seek treatment, it’s only a question of obtaining information and figuring out how to pay for your life-changing journey toward recovery. Contact a treatment center to learn about various recovery programs and payment alternatives.

I Can’t Afford Rehab-The Lies Us Addicts Tell Ourselves To Avoid Asking For Help

I can’t tell you how many times I’ve heard this sentence and how many times I’ve uttered it myself. Furthermore, from personal experience, I can verify that when I said that, I didn’t seek help and I wasn’t at my “death’s door.” I can’t speak for everyone, but I can say that certain individuals require bottoms, and I was one of them. What all individuals who receive assistance have in common is that we all have the courage to seek for assistance. There are two types of addicts: those who are fortunate enough to seek treatment early on by swallowing their pride and asking for assistance, and others who are less fortunate (such as myself) and have the mentality that “I need to learn the hard way, no one is going to tell me what to do!” If it’s a matter of life and death, the issue of “Will you assist me in finding a way out of this catastrophe of a life I’ve built for myself?!?!?” becomes a lot simpler question to answer, and the price tag doesn’t matter.

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When an addict comes to the realization that they have reached the end of their road and that there is no other option but to live or die, thrive or deplete, the question becomes “How do I get addiction treatment that will save my life?” rather than the statement that it is not affordable and therefore unattainable.

However, when compared to the amount of money the addict and their family has wasted on the substance of choice, as well as for all of the mental and physical issues and treatment associated with it prior to and for the rest of their lives, the cost of most 30-90 day programs far exceeds the cost of most 30-90 day programs if they are not addressed.

  1. Giving back may result in an endless stream of benefits.
  2. You will appreciate your future self, and the rest of the world will thank you as well, when you are able to give back because you are deserving of happiness.
  3. First and foremost, ASKING FOR HELP is the most important first step in receiving the assistance you require.
  4. Another possibility is that your insurance provider may provide you with benefits that you were not aware you were entitled to get.
  5. Your relatives may be willing to assist you in covering expenses that are not covered by your insurance provider.
  6. There are workable options.
  7. Continue to inquire.
  8. The simple step of calling your insurance company and contacting treatment facilities and community services might seem immensely intimidating, but enlisting the assistance of family and friends can make all the difference in the world.

For those who are battling with addiction and have exhausted all other options, make the following statement: “I can’t afford to wait to get assistance right now.”

(800) 247-6111

Brief SynopsisArticle Title I Can’t Afford Rehab-The Lies We Addicts Tell Ourselves in Order to Avoid Asking for Assistance Description There are a variety of reasons why addicts choose not to seek treatment for their addiction. It is common for people to cite affordability of treatment facilities as a primary reason for delaying seeking help. But this is not always the case. Nevertheless, more often than not, simply asking for help will result in the answers to all of the seeming barriers that stand between the addict and recovery being dismantled and conquered.

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Financial Assistance for Substance Abuse and Drug Rehab Treatment

Find out how public aid for rehab might make attending treatment more inexpensive for those who qualify for assistance. What you will learn is the following: Rehabilitation help on a financial basis Addiction treatment costs and financing choices are discussed.

Government Funding for Drug and Alcohol Rehabilitation

Thousands of people in the United States might benefit from professional assistance in dealing with their drug misuse problems. Some people, however, may be deterred from getting treatment for addiction because of their perception of the expense of addiction therapy. It is totally natural to want assistance in paying for drug rehab, and fortunately, there are a variety of choices available to assist with the financial burden of treatment. Some of the choices available to those who are battling with drug addiction issues and require treatment include insurance coverage and grants for rehab facilities, to name a few.

  • Drug abuse treatment programs funded by the states and state-funded detox addiction treatment programs funded by the states
  • Grants funded by the Substance Abuse and Mental Health Services Administration (SAMHSA)
  • Medicare and Medicaid
  • The Department of Veterans Affairs
  • The Affordable Care Act (ACA)

The Spanish language version is available here. Some persons who are battling with addiction to drugs or alcohol, as well as their friends and family, may be discouraged from getting treatment because of the cost of therapy. Many treatment programs, particularly inpatient ones, are just out of reach for a huge number of people due to the high expense of participation. As a consequence, many people who may require assistance with drug misuse and addiction put off seeking treatment, which may lead to those individuals deciding not to seek assistance at all.

In order to ensure that treatment is accessible when it is required, there are public assistance programs that can provide these individuals with the financial aid they require to begin the recovery process.

What’s the Cost of Addiction Treatment?

The cost of treatment programs varies greatly depending on a variety of criteria, including:

  • No matter if the individual is receiving inpatient or outpatient therapy
  • The length of time a participant participates in the program
  • This is true regardless of whether the provider is a government-funded clinic or a hospital program or a private treatment center. Is therapy being conducted in the context of a dual diagnosis (co-occurring mental health problem) or another ailment
  • In a drug misuse treatment facility environment, the amount of luxury given (for example, facilities such as spa treatments, horseback riding, and private rooms)
  • The location of the institution (particularly attractive locations, such as those near the beach, will greatly increase the cost)
  • The size of the facility
  • And the number of employees.

They can range from a few hundred dollars for little intervention to more than the cost of a vehicle for high-end, luxury inpatient rehabilitation facilities. Unfortunately, the degree of addiction and related disorders in certain persons may necessitate the need for more rigorous levels of therapy.

A few hundred dollars can be too expensive for some people, and it is in these situations that government assistance comes in to fill the gap and ensure that individuals receive the assistance they require when they are most in need of it and most likely to benefit from it.

The Benefits of FundingGrants For Substance Abuse Treatment Programs

Grants for drug misuse treatment have been shown to be extremely successful, not just for the individuals who get them, but also for society as a whole. According to research, every dollar invested in a drug addiction treatment center saves $4 in healthcare expenditures and $7 in law enforcement and criminal justice costs over the course of the year. Addiction treatment costs on average $1,583 per person, but it is linked with a cost offset of $11,487, a benefit-cost ratio of more than seven to one.

In addition, a research conducted in Washington state discovered that providing a comprehensive addiction treatment benefit resulted in per-patient Medicaid expense reductions of $398 per month.

Treatment saves government resources and taxpayer money while also resulting in more successful recovery; as a result, a variety of techniques have been devised to give public aid for drug and alcohol addiction prevention, treatment, and rehabilitation.

State and Local Government Assistance

According to data conducted by the Pew Charitable Trusts, state and local governments account for the vast bulk of expenditures on alcohol and drug treatment in the United States, accounting for roughly a third of overall expenditures in the country. 2 Some of this public aid is provided by the state’s drug addiction agency; in other states, this agency is part of a larger municipal health or mental health department, which is administered by the state. These organizations plan, design, and administer their state’s addiction prevention and treatment programs, as well as handle the state, federal, and other funding that are allocated to the prevention and treatment of drug and alcohol addiction.

2 Among the largest recipients of state and local financing for drug and alcohol treatment programs are child protective services, prison systems, criminal justice systems, drug courts, and other smaller organizations.

What is State-Funded Drug Rehab?

By utilizing federal and state funding, states are able to establish and provide free substance abuse treatment through the usage of their own rehab facilities. If you are seeking for state-funded drug rehab, you may choose from a number of different methods of treatment for substance misuse. States can run state-run treatment centers that offer both inpatient and outpatient therapies, as well as follow-up support services or the ability to refer patients to such programs. Depending on the program, it may not include many luxuries or the most up-to-date therapeutic techniques.

In 2012, outpatient services accounted for 61 percent of admissions to publicly supported treatment facilities, while detoxification accounted for 22 percent and residential or inpatient care accounted for 17 percent.

2 Moreover, in order to be admitted into the program, state-funded facilities frequently have additional standards that must be met by the applicant. These can include, but are not limited to, the following:

  • Proof of residency in the state that is providing the funds
  • A demonstrated inability to pay for alternative therapy (due to a lack of money or insurance coverage, for example)
  • A copy of your passport or proof of your lawful residency in the United States Information about the severity or intensity of addiction, as well as a history of addiction

One difficulty with these treatment clinics is that there might be a lengthy waiting list to get admitted into one of them. Pregnant women and veterans, for example, are frequently given first dibs on available parking places. However, people should not be discouraged from seeking assistance at these organizations because of long waiting lists. They may not be as opulent as the luxury treatment clinics you see on television, but they continue to assist people in achieving sobriety on a daily basis.

According to the Substance Abuse and Mental Health Services Administration, about 1.7 million persons aged 12 and older were admitted to publicly supported rehabilitation facilities in 2016.

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Government Substance Abuse Programs Assistance

A variety of federal initiatives, including drug treatment clinics and other programs, are supported by the federal government. The Substance Abuse and Mental Health Services Administration (SAMHSA) is the federal government entity that provides the majority of this assistance. SAMHSA offers information, services, and funding to rehab centers and drug addiction programs in order to assist them in providing much-needed treatments to individuals who require them but cannot afford them. Medicare and Medicaid, as well as benefits from the Department of Veterans Affairs (VA), are examples of federally funded public help.

Most of these programs have some sort of qualifying requirements that are based on factors such as income, age, disability, or other socioeconomic indicators.

SAMHSA Grants

What exactly are the SAMSHA awards? Grants from the Substance Abuse and Mental Health Services Administration (SAMHSA) are a noncompetitive government source of financing for substance abuse and alcohol rehabilitation programs. According to the SAMHSA website, these awards, also known as block grants, are mandated by Congress to assist in the funding of drug misuse and mental health treatment programs. States get cash and technical help through the Substance Abuse Prevention and Treatment Block Grant program, which is more specifically known as SAPT.

Five other targeted categories include IV drug users, TB patients, and those at risk for HIV/AIDS infection, among others.

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Veterans Administration Drug Abuse Help

The Department of Veterans Affairs (VA) offers coverage for substance addiction treatment for qualifying veterans who are enrolled in the VA system.

On the VA website, it is stated that financial assistance for recovering addicts who served in the military forces may include the following:

  • Screening for the use of alcohol or cigarettes
  • Outpatient therapy over a short period of time to help people become more motivated to change
  • Outpatient therapy that is intensive
  • Care in a residential facility
  • Detoxification under medical supervision, as well as follow-up care Couples counseling options are available. Following-up care and relapse prevention
  • Groups for self-improvement
  • Methadone or buprenorphine for opioid addiction are examples of medications that can be used to assist control withdrawal and lessen desire.

Decisions concerning services are made in accordance with the requirements and preferences of the veteran. Talk to your VA healthcare practitioner, get in touch with your local Vet Center, or call the VA’s general hotline at 1-800-827-1000 for additional information about your benefits.

Are There Loans for Drug Rehab?

When it comes to financing drug treatment, there are several alternatives available to you. These include personal loans, bank loans, and the use of a credit card. A multitude of factors play a role in determining the appropriate treatment choice for your situation, so if you have any concerns about your alternatives, please contact us to discuss the cost of attending treatment with us.

Finding Funding for Addiction Treatment

The cost of treating drug or alcohol addiction does not have to be a deterrent to seeking treatment. As previously proven, there are several avenues for obtaining public help for substance misuse treatment and rehabilitation. Specific treatment clinics and public programs are available to assist individuals who are battling with addiction, as well as their families, in obtaining the support they need and require in order to move ahead on the road to healing. All that is necessary is an understanding of what is accessible as well as a determination to seek that information.

Find Local Addiction Treatment Facilities Near Me

  1. The White House Office of National Drug Control Policy is responsible for drug policy in the United States. (2012). The Cost and Benefits of Investing Early in Substance Abuse Treatment
  2. The Pew Charitable Trusts, 2004. (2015). Substance Use Disorders and the Role of the States
  3. Substance Abuse and Mental Health Services Administration
  4. Substance Abuse and Mental Health Services Administration. (2018). The Substance Abuse and Mental Health Services Administration (SAMHSA) released the Treatment Episode Data Set (TEDS) in 2016. (2019). Substance Abuse and Mental Health Block Grants
  5. Substance Abuse and Mental Health Services Administration (2019). SAMSHA’s Residential Treatment for Pregnant and Postpartum Women Services Grant Program is administered by the Substance Abuse and Mental Health Services Administration. (2017). Drug Abuse Prevention and Treatment Block Grant
  6. Medicare Interactive
  7. Substance Abuse Prevention and Treatment Block Grant The Centers for Medicare and Medicaid Services (CMS) provides treatment for alcoholism and drug use disorder. (2016). Centers for Medicare and Medicaid Services (CMS) provides coverage for substance abuse treatment services under Medicare. (2014). Adult Substance Abuse Services in Medicaid Managed Care
  8. Healthcare.gov’s MedicaidCHIP coverage
  9. And the United States Department of Veterans Affairs (2015). Behavioral Health Treatment Programs for Substance Use Disorders
  10. Mental Health Substance Abuse Coverage on Healthcare.gov
  11. Henry J. Kaiser Family Foundation (2018). Questions Regarding Health Insurance Subsidies
  12. Questions Regarding Health Care Reform

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