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Rehab Payment

Paying for rehab treatment


The overwhelming cost of drug treatment and rehab services is one of the reasons many people feel they can’t get the help they need. But the benefits of receiving quality addiction treatment far outweigh the costs. A good addiction treatment facility can provide you or your family members with the greatest chance of living a normal life free from the pain and long-term health problems associated with drug or alcohol abuse.

It may be easier to view addiction treatment as an investment. When suffering from addiction to drugs or alcohol, people may spend large amounts of money to support their drug habits. Addiction treatment can be viewed as a much more valuable life investment.

If you are addicted to drugs or alcohol, you might be engaging in risky activities such as selling drugs to earn money for future drug purchases, borrowing cash from family and friends without being able to pay it back, lying to doctors to obtain prescriptions, trading services such as sex for drugs or alcohol, and spending more time with people who use drugs or alcohol.

It is also important to consider the overall costs of healthcare. The long-term health issues as well as the possible short-term expenses associated with emergency room visits and other medical bills can quickly outpace what an addiction treatment program would have cost.

The Cost of Addiction Rehab

A breakdown of the costs associated with different levels of addiction treatment can be helpful. For example, if you are considering detox, the lower end of cost would be approximately $350 to $750 a day, while the upper end may reach $1,500 to $3,000. It is important to keep in mind the range of costs as you begin researching addiction treatment programs and facilities.

It can be overwhelming to think about paying for treatment at these rates. But when you consider the alternatives, it may be easier to see the benefits of finding the funds needed to afford rehab treatment.

Insurance for Addiction Rehab

Many states now require that certain insurance companies provide benefits for alcohol and drug rehab.

The impact of drug addiction on loss of work productivity is huge. For companies and corporations, many work-sponsored benefits packages will include coverage for rehab even when they are not required to by law.

If you are currently working, ask your employer if they have an employee assistance program (EAP). You can call to inquire about what services are offered through your employer’s EAP, such as therapy and counseling. Although this may not be a substitute for rehab, it can help get you started.

Insurance policies can vary significantly, so before you begin treatment, make sure to take time to find out what your benefits are.

Most treatment centers will take private insurance such as Blue Cross Blue Shield, Cigna, and others. While it is less common for private treatment centers to take public insurance such as Medicaid, beginning in 2014 the Affordable Care Act (ACA) ensured that every person who bought insurance through the online Health Insurance Exchanges received coverage for some services for substance use disorders.

If you are unsure if you have health insurance or are covered through the ACA, you can find more information about when open-enrollment periods are by visiting Healthcare.gov.

Some insurance programs will require that:

  • The individual completes outpatient treatment before considering inpatient treatment.
  • The individual pays a co-payment at each visit for outpatient care.
  • The coverage is for a specific number of visits each year.
  • The individual does not exceed a specified dollar amount for treatment.

Before entering treatment, write down these parameters and ask your insurance provider about them before entering an addiction rehab program or facility.

Another important aspect of insurance coverage to consider is if you have a dual diagnosis. When a person suffers from a drug addiction (or substance use disorder) and a mental health condition (e.g., mental illness, eating disorder, behavioral addiction), it is important to treat both at the same time. By addressing mental health conditions at the same time as your addiction, you can help ensure your success with treatment.

In addition, you might want to ask your insurance company if the billings are separate. For instance you could ask:

  • Do you provide coverage for mental health conditions as well as drug addiction?
  • If so, how are these billed by the insurance?
  • Do you split the bill for mental health and addiction treatment services or are they billed together?

Your insurance company may have a policy where they treat a dual diagnosis as two single treatments, so you might be required to secure additional funding should the limitations on the insurance policy reach the maximum for one treatment before the other treatment is completed.

Check with your insurance provider to learn how they will bill you for seeking dual diagnosis treatment before starting your program. They may bill your treatment services as two separate diagnoses or they may bill it as one, depending on your provider.

Addiction takes a toll on financial security, physical health, mental health, and personal and professional relationships, so it is important to seek treatment. Call 1-888-744-0789 to talk to a placement specialist who can help you find an addiction treatment program that is best for you.

Financing Options for Addiction Rehab

Many addiction rehab facilities offer financing options to pay for the treatment process. Going to treatment and making a commitment to living a drug-free life is an investment not only in your health and longevity, but in maintaining and building relationships with people you care about. Research shows that drug treatment pays for itself in reduced healthcare costs and improved quality of life.

Before you decide on a facility for addiction rehab, ask a program representative about financing options, interest rates, and treatment procedures. You may find that treatment is more affordable than you think.

Private Funding for Addiction Treatment

One of the best ways to finance addiction treatment is to pay the full cost upfront. If you can pay for the rehab program in cash – either in advance, over the course of the program period, on a per-session basis – this is the ideal scenario. This payment option may be most feasible for an outpatient treatment program where the costs are far less than an inpatient facility.

Paying as you go offers the security of knowing that there will be no lingering bills after rehab. But if paying as you go is difficult or not possible, you may want to consider private financing so you can continue and complete treatment.

Finding Private Financing

Getting a loan from your bank might help cover the costs of addiction treatment. Taking on an additional monthly payment is a small price to pay for the benefits of sobriety, especially when measured against the costs of using drugs on a regular basis.

To make the process easier, you may want to consider obtaining financing prior to finding and committing to the treatment facility.

Once you know that you can pay for the treatment in advance with the loan funds, you can then come to an agreement on price and services with the facility. Private residential treatment centers may be in a position to negotiate a price based upon the funds you have available, while others will not consider admitting you or your loved one until you can prove you have the ability to pay for the program.

Selling Personal Items

If you own a car, camper, or boat, you might consider placing it on the market at a fair price to help pay for addiction rehab. Other items to consider selling might include:

  • Jewelry.
  • Clothes.
  • Antiques.
  • Collectables.

Parting with an object of sentimental value can be difficult, but if you consider the positive effects that might come about from the sacrifice, the trade could be well worth it. Is your diamond ring more important than your life or the life of your child? When it comes to your own life or the life of a family member, no sacrifice is too great.

With the increased ability to work and make positive career advancements, you can always buy new material goods to replace what you sold. Most important during this difficult time is your health and your ability to defeat your addiction through the help of trained professionals.

Other items you might consider selling include:

  • Sports equipment like skis, snowboards, exercise equipment, or bicycles.
  • Art collections.
  • Music collections.
  • Technology equipment like smartphones, computers, or tablets.

Other ideas for raising money may include holding a garage sale. Even small items in your home that you can sell for a few dollars can help when combined with other items. If your neighbors, friends and family are willing to donate items they no longer need or use to your sale, you can increase your earning potential.

You may even wish to advertise your yard sale as a fundraiser for your treatment. You may find that your neighbors and people in your community will come simply to support your efforts to make the best decision for your health.

Asking for Cash Donations

The amount of love that family members and friends have for one another may surprise you. You don’t know who is willing to help you fund addiction rehab unless you ask. Online personal fundraising platforms such as GoFundMe.com are a great resource to help you raise money for rehab.

If you have access to a computer, you can create a GoFundMe.com campaign by writing a short account of what you are currently experiencing due to your addiction and what you will use the funds for. Include a picture and post it on your social media channels and/or email the link to your GoFundMe.com campaign to family and friends. If you don’t have access to a computer, you can use one at your local library or ask a friend or family member for help.

You may be surprised by the response you get and how many people are willing to support you through this type of fundraiser. The people around you are often very ready and able to help you with rehab and recovery.

Applying for Government Grants

Depending upon where you live and depending on the age of the drug user, you may apply for federal funding and grants to help pay for family-based treatment for substance abuse. Smaller communities may offer similar programs as well as offerings on the state level.

A grant is a sum of money allotted to an individual or group for a specific purpose. The best part about a grant is that it is not a loan. Rather, these are funds that the recipient does not need to repay, regardless of the outcome of the program.

The funds must be used for the purposes specified in the grant, and there may be a requirement for audits and proof of where the money ultimately went. But the overall reason for grants is to invest in the community. By offering grant monies to increase the earning potential of its citizens, government agencies are investing in the future of a community as well as a family.

If you are looking for more resources on how to locate government-assisted rehab, you can check out the Directory of Single State Agencies, provided by the Substance Abuse and Mental Health Services Administration (SAMHSA). Using this directory, can find the contact information for the appropriate person to ask about what is offered in your state.

Funding Addiction vs. Funding Rehab

Borrowing money from family to fund addictionMany friends and family members of addicted individuals are asked for money to buy drugs or alcohol. For instance, an individual struggling with drug addiction who has small children may ask to borrow cash from family and friends to pay the utility bill so their children will have heat in the winter. Even if the family member pays the utility bill directly, they might have enabled the addicted individual to spend personal funds on drugs instead.

These same loving family members or friends might be far happier to help you raise money for your drug addiction treatment. Chances are the people closest to you want to see you succeed and live your best life. If you make a commitment to seeking treatment and becoming drug-free, they may be more likely to offer their financial support to help you get there.

Another benefit to receiving help from family members is that this show of family support may help the individual more successfully follow through with the recovery process.

Types of Addiction Rehab Facilities

As you look into your financing options for paying for addiction treatment, it will be important for you to understand a few of the different types of treatment facilities that are available to you. Treatment type and setting will greatly influence the amount of money required to participate in such a program. Types of addiction rehab facilities include:

  • Luxury rehab programs provide 24/7 residential substance abuse treatment often in private, secluded and/or vacation-like destinations. They include high-end, resort-like amenities designed to make your recovery process as comfortable as possible.
  • Executive rehab programs also offer residential addiction treatment with many high-end amenities, but these programs cater to busy professionals by availing time and resources for residents to continue tending to their important outside work duties.
  • Standard rehab programs can be offered in either a residential or outpatient setting. While they do not usually offer the same luxury amenities as luxury or executive programs, they do tend to be in a more affordable price range for those with limited budgets.

Finding the Right Addiction Rehab

Some people resist treatment for drug or alcohol addiction because they are ashamed to ask for financial help or they want to deal with the problem alone without any kind of outside assistance whatsoever. It may take some time and effort to break through this denial and get the help they need. Addiction treatment programs can provide real help.

For more information on drug or alcohol addiction treatment services, call 1-888-744-0789. Our rehab placement specialists can answer questions and help find a rehab program that is best for you. Call today to get started on the road to recovery and a substance-free life.

Sources

  1. Bouchery, E.E., Harwood, H.J., Sacks, J.J., Simon, C.J., & Brewer, R.D. (2011). “Economic costs of excessive alcohol consumption in the US.” American Journal of Preventive Medicine. 41(5), pp. 516-524.
  2. Ettner, S.L., Huang, D., Evans, E., Rose Ash, D., Hardy, M., Jourabchi, M., & Hser, Y.I. (2006). “Benefit cost in the California Treatment Outcome Project: Does substance abuse treatment ‘pay for itself?’” Health Services Research. 41(1), pp. 192-213.
  3. Office of National Drug Control Policy. (2016). “Substance Abuse and the Affordable Care Act.