Are you looking to enter a rehab facility for your drug or alcohol addiction?
First of all, congratulations. Making the decision to go to rehab is huge. But, now that you’ve decided to go to rehab, there’s probably one big question on your mind: How am I going to pay for it?
While rehab can be expensive, the good news is, there are plenty of options out there when it comes to paying for it.
Check out this helpful guide to learn about addiction rehabilitation costs and how to pay for it.
Most private health insurance plans cover at least a portion of rehab, if not all of it.
To learn what your carrier covers for residential treatment, call them or check their website. If you’re not entirely sure what to ask, you can also contact the treatment facility you plan to attend and they can call for you.
They can also find out for you how many days your insurance covers and what exact services they cover.
Affordable Care Act
Under the Affordable Care Act (also known as Obamacare), no longer penalizes those suffering from pre-existing conditions. This allows someone who is already suffering from addiction to apply for a healthcare policy.
There are ten essential health benefits covered in the Affordable Care Act, and drug and alcohol disorders are one of them.
So, depending on the plan you select under ACA, you should be able to get 60 to 90 percent of your rehab costs covered.
Medicaid and Medicare
For specific segments of the population, state and federal sponsored health benefits are available to cover the costs of rehab.
Both of these insurance programs provide payment options for rehab, and each program has different requirements for eligibility.
To qualify for Medicaid, you must fall into one of the following categories:
- Under the age of 19 years old
- Over the age of 65 years old
- A parent or pregnant
- Be within a specific income range
To qualify for Medicare, you must either be over the age of 65 or disabled. You can also check out this guide to learn about inpatient drug rehab that accepts Medicare.
Local and State Government Programs
There are also state-run rehab programs that are federally-funded.
Depending on the state you live in, these programs may either be under a larger health department or under a separate agency. However, to qualify for assistance, there are certain requirements you’ll need to meet.
This may include proof of residency, proof of citizenship, the degree and history of your addiction, and a demonstrated inability to afford support services.
Non-Profit Treatment Centers
A final option is to seek out a non-profit treatment center. These centers offer their services at little to no cost.
For example, the Salvation Army offers programs that don’t require any payment, but you must work a 40-hour week for them to cover room and board.
You’ll either work in a warehouse sorting donations or you’ll do administrative duties.
Rehabilitation Costs: Are You Ready to Start?
Now that you know a bit more about rehabilitation costs, it’s time to start your journey to recovery.
And, if you liked this article, be sure to check back in with our blog for more addiction-related tips and tricks.