Last updated: 05/6/2019
Author: Addictions.com Medical Review
Reading Time: 3 minutes
Rehab actually can be much more affordable than you may think. In fact, many people find that, with insurance, rehab itself can actually be free of charge.
Rehab Can Be Costly…
Unfortunately, many treatment programs can cost several thousand dollars a month without insurance. Luxury options can also go as high as $80,000 and $100,000 a month. However, insurance can actually help you a great deal in being able to afford a rehab program that will be able to provide you with the options you need. And, in many cases and with the help of your policy, your treatment itself may actually even be free.
How Does Insurance Help Pay for Rehab?
In recent years, many changes have been made to the way insurance works and what a provider is required to cover. SAMHSA considers immediate intervention and treatment, a health benefit. This means that any insurance policy sold through the Healthcare Marketplace must cover these treatment options (at least in part) and must provide options to those who are suffering from serious mental disorders, including addiction.
Your insurance policy is likely to provide you with a considerable amount of help in treating your addiction. You can call your provider today to find out what exactly they offer and what programs will be at least partially if not completely covered by your insurance.
Can My Rehab Really Be Free?
In some cases, yes, rehab is actually free thanks to your insurance policy. While it is still important to find out what your provider is actually offering you, you can also call the rehab program of your choice in order to ask
- Is your facility in network for my insurance?
- How much of your program’s costs will my insurance cover?
- Will I be expected to pay anything out of pocket?
Some facilities will not need you to pay anything out of pocket, as they will be able to receive the full amount they need from your provider. However, it is very important to ask, as you should know going into rehab how much the program itself will cost you.
There are low-cost and even free options that exist where insurance isn’t necessary (SAMHSA). However, these are actually meant to help individuals who otherwise would not have been able to afford to attend treatment. Therefore, it is important to consider how much you can pay, what your insurance program will offer you, and what your needs are before you choose any specific option. After all, it is best to make sure that programs like these will still have space available to those who truly need them, and as stated above, many insurance policies can also ensure very low-cost or even completely free treatment to patients.
What If I Do Have to Pay?
In some cases, there may still be a cost for your rehab program that goes beyond what your insurance policy will be able to cover. If you do, in fact, have to pay for some of your rehab costs, it can help immensely to discuss your options for financing with those at your facility of choice before you decide to attend treatment. This way, you can often pay a certain amount upfront and then continue to pay a manageable, monthly amount while your insurance takes care of the rest.
Is Rehab Affordable?
With insurance, it is not only affordable but in many instances, it can be completely free. Without this option, it can be much more difficult to find free treatment, and as stated previously, many of the free options are specifically for those who wouldn’t otherwise be able to pay. This is why it is so important to choose a program in your network and, if you do, you will likely be very surprised by the affordability of your treatment.
Let us help you find a safe, affordable option for your recovery and to begin your life anew without the use of dangerous drugs.