One of the most pressing concerns for someone seeking addiction treatment is the cost. Addiction treatment programs are not cheap. This, coupled with the fact that many struggling drug users do not have a reliable source of income, often makes rehab inaccessible.
This article explores the possibility of using insurance to help people seek addiction treatment. Depending on where you live and what sort of coverage you have, you may be surprised to learn how insurance can impact your addiction treatment.
The Cost of Rehab
No matter where you decide to seek treatment, you can expect the prices to vary from facility to facility. Some low-end community centers offer limited treatments for free. High-end and luxury rehab companies may charge people thousands of dollars per day.
This alone suggests that most people will be able to find a rehab center that works with their current budget. However, one must also remember that the cost of a rehab treatment center often reflects the quality of the treatment that you receive. If you attend a free rehab program and don’t learn the necessary skills to remain sober, then you haven’t made a great use of your time.
As such, people are often interested in finding a balance of cost and efficacy. You don’t want to go broke seeking treatment, but you want to ensure that whatever treatment you choose is effective enough to help you in the long-run.
Just to give you a brief idea of the costs that you may be expected to pay, we’ll provide a brief outline of different rehab services and their average price range.
- Detox programs. Detox programs are not always necessary. Detox is recommended for people who are severely addicted to drugs that can cause dangerous or difficult withdrawal symptoms.
The price of detox can vary depending on whether or not it’s a part of your program. The majority of inpatient rehab programs include a detox process in the fee. If you’re attending detox on its own, you can expect to pay somewhere between $1,000-1,500 depending on the length of your detox and the severity of your withdrawal symptoms.
- Outpatient rehab. Outpatient rehab is a less-intensive form of rehab. When you’re not attending your meetings, you’re free to come and go from the facility as you please. Outpatient rehab is recommended for people who are struggling with a mild-to-moderate addiction.
A three-month outpatient program may cost $5,000 on the low-end. Higher-end programs can cost much more, with some programs costing more than $10,000. In many cases, the price that you pay reflects the number of services that you require and the frequency that you’ll be using these services.
- Inpatient rehab. Inpatient rehab is a form of treatment that is much more comprehensive and generally more expensive than outpatient rehab. When you attend an in patient rehab program you are also paying for your room and board. There will also be medical professionals attending to you around the clock.
Typically, prices for inpatient rehab begin at around $6000 per month. Some of the more popular programs can cost as much as $20,000 per month. If you’re planning on attending a longer treatment of two or three months, you can expect to pay somewhere between $12,000 and $60,000.
- Medication prices. Depending on the type of drug that you are seeking treatment for him, you may also be prescribed certain medications. The price of these medications will impact the total cost of your rehab program. For example, the annual cost of methadone maintenance usually runs patients about $4700.
Other Factors That May Influence Rehab Cost
It’s not just the treatment that can affect the price you’re paying for rehab. These are some other things that can influence the cost of treatment.
- What sort of facility you’re attending. You can expect the price of your treatment to vary depending on the type of facility that you were attending and where it is located. Facilities that are located in high and areas with high property values are probably going to be more expensive than those which are located in less wealthy, inner-city areas.
Facilities that offer both inpatient and outpatient treatment will probably also be more expensive due to the higher upkeep costs.
What sort of treatments are available. The most basic forms of rehab treatment will offer simple psychotherapy. The price for your therapy is included in the cost of your treatment. However, many rehab facilities offer alternative treatments that may increase the price of your program. For example, some rehab programs offer therapies like acupuncture or biofeedback. These therapies may require additional equipment and trained professionals which can increase the price of your program.
What sort of amenities are offered. A basic rehab centre may have minimal amenities. There may be a TV room where you can relax and watch television with other recovering users. Small recreational facilities such as ping-pong tables are often also available.
However, some rehab facilities include much more prestigious amenities. If you are planning to attend a rehab facility that provides members with a gym or a pool, you will probably be paying more money than you would at the standard rehab facility.
Luxury facilities often offer their patients large, single rooms, with access to room service and food cooked by famous chefs. These types of rehab programs are often above the financial scope of the average individual.
Does Insurance Cover the Cost?
There are different types of insurance, different forms of rehab, and different needs among people in recovery. However, in most cases, it’s common for insurance providers to help with rehab treatment.
This wasn’t always the case, though. This is largely thanks to the affordable care act which was passed in 2010. Because of this act, health insurance providers were mandated to provide insurance for mental health services which include addiction treatment.
Under this new act, insurance providers must help to finance people who are seeking inpatient mental health services, any form of the behavioural health care that is approved, and addiction treatment.
That said, there are a lot of differences between the coverage afforded by different insurance companies. Some insurance companies are known to cover the costs of rehab completely.
However, most insurance companies are hesitant to provide insurance for anything that is not considered medically necessary. This means that they are less likely to fund alternative or holistic treatments such as acupuncture or massage therapy. They are also unlikely to fund the price of recreational programs that you attend during rehab or luxury food, should you choose to attend a high and rehab program.
The best way to find out exactly what your insurance company will cover is to contact them. Ask him what sort of rehabilitation they are willing to cover. This should help you make a decision about which type of rehab you can attend.
You may also be signed up with Medicare or Medicaid. These two insurance providers should help to provide you with funding for addiction treatment, but you’ll have to contact your provider directly to find out exactly what they offer.
Should I Get Private Insurance?
If you were considering getting private insurance, or if you’ve already signed up for private insurance, you should be aware of the differences between private and government issued insurance.
Firstly, private insurance is not subsidized by the government. However, it must follow similar rules as government subsidized insurance. This means that private insurance providers are still required to help fund your rehab program.
Private insurance is generally more costly than government subsidized insurance. However, private insurance companies usually offer more options. This may allow you to make a better decision or provide you with more freedom to make a choice that will better suit your needs.
You may also be a part of a group insurance plan. For example, if your workplace has more than 50 employees, you should be covered by group insurance. This type of insurance should cover addiction treatment.
Navigating your way around rehab treatment can be tricky if you’re working with group insurance. Many people are hesitant to let their employers know that they’re struggling with addiction. Nonetheless, it’s more important to seek treatment than to worry about the judgments of your coworkers or employees.
What If I Don’t Have Coverage?
If you don’t have an insurance plan, or if you find that your insurance plan isn’t willing to cover the addiction treatment that you need, there are several options.
Speak With Your Boss
You may want to speak with your employer to see if they are willing to offer you financial assistance. Naturally, this will depend upon your employer and your relationship with them.
If you are a consistent and reliable long-term worker, then it will be in your employees best interest to ensure that you are sober and capable of working. Even though they are not required to do so by law, they may take a personal interest in helping you sober up.
If they’re not willing to do that, many employers are willing to give you an extended leave. This helps to ensure that he will have a job when you finish your rehab program. One of the biggest deterrents that many people face is the fear that they will be unemployed once they finish an expensive program.
However, it’s important for most people to consider that the alternative to this is not much different. If you don’t seek treatment for your addiction, chances are you will end up losing your job anyways.
Consider State-Funded or Non-Profit Programs
People who are unable to afford expensive rehab programs and who cannot obtain insurance may qualify for a state funded or low income rehab. These rehab programs are usually put together by nonprofit organizations.
The cost of these programs is generally much less than you would pay for a regular rehab program. Some of them are completely free. The point of these programs is to make sure that everyone can receive treatment regardless of how much money they’re making.
Unfortunately, the reduction in price often means a reduction in quality of service. Since these programs are not receiving money from the people that they treat, they are not able to pay for the same quality of services or amenities that you might expect from a higher-end rehab.
Talk to the Rehab Center
Another option is to speak directly with the rehab center. Some recovery centres offer payment plans that allow you to make a series of payments instead of paying for everything upfront.
This allows you to seek treatment and finish making your payments once you’re sober and able to hold a consistent job. Not every rehab facility will offer this, but it’s certainly worth checking.
Thanks to the introduction of the affordable care act in 2010, insurance companies have been required to pay for addiction recovery treatment.
The exact services that are covered will vary from plan to plan. If you are interested in seeking rehab but worried about your financial situation, you should get in touch with your insurance provider to see how much they’re willing to cover.
You may also be able to speak with the rehab company administrators to see if they can arrange a payment plan for you. Don’t let financial worries get in the way of your treatment.