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Paying for Treatment

If you are struggling with a drug or alcohol problem, you are not alone. About 22.7 million American adults have a substance abuse problem that requires treatment, but only about 2.5 million of them will seek out help¹. One factor that discourages many people from seeking treatment is the cost of rehab, but there are a number of ways to get financial assistance. Costs can differ depending on whether you need short or long term care, as well as if you will be participating in residential treatment, partial hospitalization, or an outpatient program. Residential treatment is usually recommended for clients dealing with substance abuse and addiction; it allows you to relax and spend 24 hours a day at the rehab center away from a harmful world of triggers like stress.

Approximately 1 in 5 adults in the U.S. experience mental illness in a given year².  Many people who have a substance abuse problem also develop a mental illness, just as many people who are diagnosed with mental illness are often diagnosed with a substance abuse disorder³. Mental health care should be treated with as much weight and importance as medical health care. Treatment can set you up for success in every area of your life and give you the opportunity to be healthier, more stable, and more balanced. Of course, not everyone is able to afford treatment at the best mental health facilities out of pocket, but the good news is that insurance and various payment options are available to help everyone have access to these services.

Insurance

Insurance is probably the most common way to offset the cost of a rehabilitation or mental health program. Every insurance plan is different, so the amount your insurer is willing to cover will vary depending on your provider. There may be a limit on how much is covered, and certain therapies may be excluded. Mental health treatment has become much more accessible due to changes in how mental health care is addressed in the United States. The Affordable Care Act has made insurance coverage accessible for all Americans, and some services may even be free; depression screenings for adults and teens are now free of charge under to the Affordable Care Act. We accept behavioral health, mental health, and substance abuse insurance plans from most private insurance companies. We are an in-network provider for several insurance companies and accept most PPOs. We’ll verify your insurance at no cost, and are happy to discuss your payment needs with you. Typically, most treatment centers will accept:

  • Private health insurance
  • Military health insurance
  • State-funded health insurance
  • Medicare
  • Medicaid

Learn more about insurance for behavioral health services

The Mental Health Parity Act

The Mental Health Parity Act stops discrimination so that mental health treatment and substance abuse/addiction treatments are considered equal to treatment for medical health issues. In the past, insurers could place higher co-pay prices on mental health services and employers could limit the number of days their employees were hospitalized and/or attending outpatient services. These historical moves have made it much easier to obtain care. Lower prices and better cooperation within the workplace can help clients get the help they need sooner.

Financing Packages

Insurance isn’t a viable option for everyone, so it may be a good idea to look for treatment centers that offer financing packages to prospective clients. Some centers initiate their own financing, while others rely on third-party lenders to develop affordable financing packages. Speak to a representative at each treatment center to find out more about their financing options; they’ll work with you to create a package that you can pay back once you’re on the road to recovery. As part of our dedication to the well-being of our clients, we have affordable self-pay rates.

Loans from Family or Friends

Addiction is said to be a family disease because it affects loved ones almost as much as it affects the addicted person. Family members and friends might have been reluctant to loan you money when they feared it would be used to fuel your substance abuse, but they may be happy to lend a hand to help pay for addiction treatment.

It’s not easy to ask your loved ones for financial assistance, but you may want to look at it as just one of the challenges of recovery. Once you’ve completed treatment and gotten back on the right track, you can pay back the people who helped you out when you needed it most.

The Cost of Avoiding Treatment

If you decide against treatment, the decision will come with certain costs. Your relationships with yourself and others, your mental health, your career, your finances, and your physical health will all be at risk. Don’t let cost deter you from getting the help you need. You deserve a life full of health and stability, and treatment can start you on this positive new journey. Take the time to review your financial options and choose the strategy that makes the most sense for your own situation. If you or someone you love is struggling with drug abuse, alcohol dependency or mental illness, rehab may be the answer.


References

  1. https://www.drugabuse.gov/publications/drugfacts/nationwide-trends
  2. https://www.nimh.nih.gov/health/statistics/mental-illness.shtml
  3. https://www.drugabuse.gov/publications/drugfacts/comorbidity-substance-use-disorders-other-mental-illnesses
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