Paying For Rehab With Insurance
Most health insurance plans cover some portion of addiction treatment, while others include the cost in its entirety. Your health insurance representative can give you all the information about what is covered and how much is covered. The staff at Ken Seeley Rehab are also available to call and get the information from your insurance company if you are not sure what to do.
United Healthcare, Cigna, Blue Cross Blue Shield, and Aetna are the top four insurance companies in the United States. Each of these companies offers coverage for addiction services, whether it be full coverage or partial coverage.
Rehab Programs Local And State
State and municipal grants begin at the federal level and provide some financing to substance misuse treatment institutions. As a result, governmental funding assists rehabs in providing treatment at a reduced cost or even free to persons suffering from addiction.
Because the eligibility standards for state-funded rehab differ by state, its wise to inquire about financial grants and programs offered by the rehab clinic in your area. A state-funded rehab institution may offer the following sorts of treatment programs:
You will receive 24-hour care in a residential setting with an inpatient program if you choose inpatient therapy. You can go home at night after partial hospitalization therapy if you benefit from an inpatient program. Depending on the situation, outpatient treatment can be severe or ordinary. After youve completed a medical detox treatment, you may want to consider aftercare.
The Importance Of Getting Addiction Treatment
Paying for addiction treatment requires a lot of forethought if your insurance plan doesnt cover the cost entirely, but it is important to do so, as treatment is a significant part of recovery. Ultimately, it is possible to pay for addiction treatment if youre serious about getting the help you need.
Also, you dont need to go at it alone. Contact a rehab facility or treatment expert to talk about the different ways to pay for treatment. Talk to family and friends who might be able to help you come up with creative ways to fundraise or gather information to determine the best way to finance your road to recovery.
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Do Medicare And Medicaid Pay For Addiction Treatment
The short answer is yes, but it depends on your demographics. Medicare and Medicaid cover addiction treatment for certain demographics.
For Medicaid, the following groups are covered:
- Over the age of 65 or under 19-years old
- Parents or pregnant
Medicare, on the other hand, covers the following groups:
- Over the age of 65
Ways To Pay For Rehab Treatment Without Insurance
For many people struggling with drug or alcohol addiction, paying for rehab without health insurance is one of the biggest barriers preventing them from seeking treatment. Thinking about how to pay for rehab can feel overwhelming, but there are ways to get care even if you choose not to enroll in insurance. Remember, an investment in drug rehab is one of the best decisions you can make for your recovery and for your future.
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Rehab Financing & Private Funding
Though rehabilitation treatment can be costly, there are still ways to afford it without insurance. If obtaining a personal loan from a friend or family member is not an option, you may be able to secure a low-interest loan from a bank or credit union. There are also several financing companies offering loans for addiction treatmentthough you should carefully analyze these agreements and the interest rates associated before entering the agreement. Lastly, if none of these options permit, you could also raise money for their addiction treatment costs by using crowd-funding sources like GoFundMe.
Sometimes individual facilities or corporations that run multiple facilities offer scholarship programs to help patients pay for rehab. Often, scholarships will only be considered for patients that can demonstrate they have exhausted other options and can prove they are committed to rehabilitation.
These programs vary greatly in terms of how much of the cost they cover. Usually, a budget for these funds is allocated once a year, making it important to apply for these scholarships early.
To find local treatment options that offer these other payment options, consider the Substance Abuse and Mental Health Services Administration treatment locator, and dont lose hope. There are treatment options available for you regardless of your financial capabilities.
Treatment & Services For Substance Use Or Mental Illness
The Division of Behavioral Health has programs around the state to help individuals with substance use disorders or their mental illness. There are programs for youth, adolescents, and adults. If you or a loved one struggles with substances or have questions regarding their mental illness, you can contact a treatment program for help. They can help you get the services you or a loved one needs. The Division and its contracted programs offer services that have been proven to help individuals with mental illness and substance use struggles. Those services help to prevent crime and make communities safer, reduce emergency room visits, and prevent school dropout. Many individuals are able to keep their job or get help finding a job when they receive services.
The cost of services is based on the individual’s ability to pay. Those who have first priority for mental illness services are: individuals with a serious mental illness individuals and families in crisis individuals who are homeless and mentally ill individuals committed for treatment by the court system and children with severe emotional problems. Those who have first priority for substance use treatment are: pregnant women intravenous drug users and, certain referrals from other state agencies.
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What Is The Cost Of Addiction Treatment
As you begin researching your options, youll soon discover that there is no universal cost of addiction treatment. Rather, the cost will vary significantly depending on the level of care that you receive.
At the highest end of the spectrum, there are residential treatment programs. With these programs, youll temporarily live, sleep, and dine at the same facility where youll also receive your addiction treatment and therapy. This is an intensive, inpatient approach that is designed to treat the most serious addictions.
In addition, there are also other kinds of treatments. For instance, outpatient addiction programs operate on a more part-time basis. With these, youre allowed to live at home. You can also continue going to work or school during the day but will visit the treatment facility for a set amount of time each week to attend programs and counseling sessions.
While outpatient treatments will cost less than inpatient ones, they are also limited in scope and will not be appropriate for everyone.
Once you choose the kind of program that works the best for you, its time to think about how youll pay for treatment. Whether you have insurance or not, there are plans and programs that can help. Lets take a look at the most common ones.
How Long Will It Last
The first necessary thing is to understand what a benefit period is. Essentially, this period begins when you are admitted as an inpatient, and it ends when you are out of the hospital for 60 days in a row. With this in mind:
- For days one to 60 of inpatient care per benefit period, Medicare covers most inpatient care costs beyond 20 percent of the Medicare-approved amount for mental health services.
- For days 61 to 90 of inpatient care per benefit period, you will be required to pay $341 coinsurance per day in addition to costs you were already paying.
- For days 91+ of inpatient care per benefit period, you begin tapping into your lifetime reserve days. You will be paying $682 in coinsurance per day now.
- You only have 60 lifetime reserve days ever. After that, going over 90 days in a benefit period means you are covering all costs of inpatient treatment. This will be prohibitively expensive to most people. If it isnt for you, you should at least find a quality insurance plan beyond Medicare if it is expected that you will reach this limit.
Once a benefit period is over, and if a new one begins, this cycle resets, with the exception of spent lifetime reserve days. You will again have 60 more days of inpatient care with no coinsurance payment and so on.
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Payment Plans And Loans
We understand that the financial burden of paying for drug rehab without insurance is a barrier for many people. To help as many people as possible access the care they need, there are payment plans and loans available. These rehab payment options allow patients to repay the cost of treatment over an agreed-upon period of time.
If Your Child Is Covered By Insurance
The following are key questions to have answered about your insurance coverage. Along the way, keep good notes and records! Save any notices you receive from your insurance plan and from the treatment provider, including letters authorizing care, denial letters, Explanation of Benefits and any bills you receive from providers. Record the date of any phone calls, the name of the person you spoke to and a summary of what was discussed.
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Private Pay Drug & Alcohol Treatment
Insurance plans are notoriously confusing. While insurance can make treatment more affordable, it doesnt necessarily make it easy to understand. The simplest, most straightforward way to pay for treatment is private pay, also called self-pay or cash pay. Private pay drug rehab is exactly what it sounds like: You, or a loved one, pays the full amount for care without any assistance from insurance.
Some treatment centers will offer both insurance-based and private pay options while others offer only private pay. If a treatment center only offers cash pay and you dont have the funds, you still have options available. Hop on the phone with the treatment center youre considering and be transparent about your financial situation. Any reputable rehabone that wants to see you get well and not just take your moneywill let you know if they can work with you on the cost of care. If they cant, they should be able to point you to another treatment center that can accommodate your specific situation.
And dont forget to ask about:
- Short-term healthcare financing and/or payment plans
- Other organizations that might offer grants or scholarships
Whatever you do, dont let lack of funds stand between you and the help you need.
Get The Help You Deserve Today At Northpoint Washington
There are many ways to pay for rehab, but the best way is through insurance. Insurance will often cover most of the cost of treatment, and it is the best way to ensure you get the care you need. If you do not have insurance, there are many other ways to pay for treatment, including grants, payment plans, and private pay. No matter your financial situation, Northpoint Washington can help you get the care you need to recover from addiction. Call us today at and see what your options are for paying for rehab.
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Private Funding To Pay For Rehab
An individual may need to secure private financing if they have exhausted all other options. An addiction center may offer scholarships for treatment. The rehab center may have partnered with a third-party lending service to help potential clients acquire the money to pay for treatment.
If an individual is a homeowner, a home equity loan may be a possibility. Or if a person has a 401K or an IRA, they may have to take out money even though it comes with a penalty.
It is imperative, to be honest about your financial situation to find all the options available to help you with the financial struggles of sobriety.
How Can You Pay For Drug Rehab In Washington State
Paying for drug rehab in Washington state may be a reason you have been avoiding attending treatment for your addiction or alcoholism. Some luxury rehabs cost up to $90,000 per month, an astronomical amount. While most rehabs are much more affordable than that, rehabilitation financing is still a large obstacle for many. Residential treatment is not a cheap option for getting sober but does end up being incredibly helpful for those who do not know where to start.
The Substance Abuse and Mental Health Services Administration report that 23.5 million adolescents and adults needed drug or alcohol treatment in 2009. However, only 2.6 million of these 23.5 million people received the treatment they needed for their drug and alcohol dependence. That is only 11.2% of the population who needs drug treatment receiving it.
One of the biggest factors in people not receiving treatment in WA state is either an inability to afford it or a misunderstanding in how to pay for treatment. Many insurance companies cover some sort of drug and alcohol rehab and there is rehab financing available, but only to a certain extent. Those without insurance have slimmer options but there are still low-cost or free drug rehabs available to those who need them.
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Clinical Effective & Comprehensive Drug Rehab
Present Moments Recovery is passionately dedicated and committed to the treatment of adults with a substance use disorder. We are DHCS & CARF licensed and accredited and have two locations in San Diego County, in Carlsbad and San Marcos.
We provide multiple levels of ASAM care for the substance use disorder spectrum:
|o Detoxification and Stabilization|
- Somatic Therapies: Mindfulness and Qigong
- Holistic Processes: Yoga, Meditation, Physical Fitness, Acupuncture and Nutrition
Our Psychoeducation sessions focus on the components that will support lasting recovery: Understanding SUD, Relapse Prevention, Identification of Triggers, Healthy Coping Skills, Establishing a Sober Support System, Clear Communication Skills, Managing High Risk Situations, Healthy Leisure Activities, Self-Care, and Stress Management.
The Present Moments Recovery Clinical Team is comprised of a MD Medical Director, PAs, Licensed Marriage and Family Therapists, Licensed Social Workers, Licensed Clinical Addiction Specialists, CADC II, and Registered Alcohol and Drug Technicians who each bring their passion and commitment to providing best care for every client.
What Does Medicaid Cover
Medicaid recipients dont have co-payments for addiction treatment in most states. For states that charge co-payments, there is an out-of-pocket maximum set for Medicaid recipients. For more information on financial assistance options for treatment centers, to contact a treatment provider.
Medicaid covers all or part of the following services:
Addiction Center is not affiliated with any insurance.
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Ken Seeley Rehab Is Here To Help
When the decision that you are ready for a new life free of drugs and alcohol, your only focus should be on how to get that help. Our dedicated staff at Ken Seeley Rehab is waiting to help you find all available financial resources so you can focus on getting healthy and sober. Contact us here or now and take a step toward a better life.
Pay For Addiction Treatment On A Sliding Scale
Some treatment facilities and non-profits offer sliding scale payments. This means you pay what you can afford to pay, based on your monthly income. This is a great option for anyone in a lower income bracket or those who might be facing financial difficulties.
Sliding scale payments allow you to pay what you can afford to pay, based on your monthly income.
The main benefit of sliding scale programs is that everyone receives the same level of care regardless of their income level. If you want to find these options, ask the treatment facility if they have a sliding scale or scholarship option. Or, research a non-profit treatment center in your area.
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The Affordable Care Act
Insurance providers with marketplace plans must abide by the mandates of the Affordable Care Act .8 The ACA guarantees people receive coverage for essential benefits.8 Among these essential benefits is coverage for mental health and substance abuse treatment.9
In addition, the Mental Health Parity and Addiction Equity Act is a law passed by Congress which guarantees that people with mental health or addiction issues receive care that is just as good as that which that would benefit from for physical impairments.10
How Do I Pay For Treatment
In 2020, 14.9% needed substance abuse treatment. Of those, only 1.4% received any substance use treatment. Among those individuals, 19% cited having no health care coverage and being unable to afford the cost of treatment as major barriers to not receiving treatment, according to the 2020 National Survey on Drug Use and Health.
For years, financial barriers have kept people from seeking the substance abuse treatment they need to find long-term recovery. However, there are so many ways to pay for rehab that you or your family shouldnt consider it a barrier to getting treatment. Here are some options to pay for addiction treatment.
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What To Do If Youre Struggling With Addiction
When you are fighting addiction, you must receive the care you need to start recovering. Trying to withdraw on your own may lead to complications and increase the risk of relapsing.
A rehab program managed by professionals will be your best bet in most cases. Most rehab facilities have different payment options to help you get the help you need to begin your journey to recovery.
Remember, nothing is more valuable than investing in your recovery.
Suicide & Crisis Lifeline
988 is set to become the national three-digit dialing code for all mental health, substance use, and suicide-related crises. Anyone in need of behavioral health crisis support for themselves or someone else should call 988 starting on July 16, 2022. Until that time, help can be found at 1-800-273-8255. To learn more about Missouris plans for 988, please visit: 988 Suicide & Crisis Lifeline.
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