Paying for Rehab
Dealing with addiction is stressful without the added complication of trying to figure out how to pay for a rehab facility once you decide to get help. There are many options for all different budgets, so don’t let paying for treatment be an obstacle to getting treatment. Even if you find yourself struggling because of the current state of the economy, it is a better investment in the long run to put the money that is being used to buy an addictive substance toward treatment and having a healthy, drug-free future.
- Insurance: In 2008, Congress passed the Mental Health Parity Act, which requires insurance companies that cover mental health to treat mental and physical health claims equally – with equal limitations, co-pays, and other factors. To learn more about this recent legislation, read The Mental Health Parity Act: How the Bailout Might Help You.
Call your insurance company to find out what types of treatment they cover and how much your co-pay would be. Also ask what treatment facilities are in your “network” and if they know of any discounts. Ask what the limitations are: for example, could you get 90 days of outpatient instead of 30 days of inpatient treatment?
- Government-funded: Certain groups may be eligible for government-funded programs. For example, veterans may have access to free rehab services through their local Veterans Administration medical facilities. Another group that may be eligible for government-funded rehab is pregnant women. Check with your local government agencies to see if there is funding available for you.
- Charity Care: Some churches and religious organizations offer financial assistance with rehab or offer care directly. Contact local church groups to see if there are programs in your area or if they are able to refer you to a group somewhere else.
- Payment Plans: Rehab facilities are businesses. They also realize that most families do not anticipate addiction, and don’t include treatment in their long-term financial plans. Ask the facility what types of financing they offer, and ask if there are any discounts available.
- Care Based on Income: In some cases, facilities may provide discounted or free care to those whose income or employment status warrants such assistance; they may be able to write it off as a type of charitable donation. Many people who work in these facilities have personal experience with addiction, and they will often try to work around your situation and help you out when they are able to.
- Out-of-pocket: This option will give you the most flexibility in which treatment program you or your loved one can enter into. Some facilities may only accept this type of payment, so this should be one of the first questions you ask.
How Can I Know What Rehab Facility Is Best for My Situation?/p>
Because everyone’s situation is different, many specialized treatment facilities have come into existence; there are facilities for teens, executives, Christians, and many other groups. We recommend that you read Questions for a Rehab Facility to give you an idea of what is important to know about the place where you or your loved one will be receiving treatment. If the options seem overwhelming, please call eDrugRehab today. Our addiction and intervention specialists can help you evaluate your situation and recommend more specific rehab facilities based on your or your loved one’s needs.