Last updated: 05/6/2019
Author: Addictions.com Medical Review
Reading Time: 4 minutes
Being able to pay for treatment is one of the issues on most individuals’ minds when it is time to seek out an option for recovery. But the important thing to remember is there are many ways to pay for treatment, and most insurance companies will pay for at least some kind of rehab option.
Treatment and Insurance
Paying for treatment is actually much easier now than it was in previous years. According to the Substance Abuse and Mental Health Services Administration, “In March 2010, President Obama signed into law the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, together referred to as the Affordable Care Act.” This piece of legislation affected the treatment of addictions, its availability, and its cost in many ways.
- Health insurance coverage is now more affordable for those who may not have been able to afford it before. Therefore, more individuals, families, and small business owners are insured through the ACA.
- In addition, “the prevention, early intervention, and treatment of mental and/or substance use disorders” is now considered an essential health benefit, meaning that insurance plans bought through the Healthcare Marketplace must cover these issues.
- Because of this, more people are insured and able to afford treatment for addiction than in previous years.
Paying for Treatment With Insurance
Although not every insurance company covers care completely for every treatment program, you can find out which programs are covered by your insurance and by how much. It is always a good idea to call your insurance provider and to ask them a few simple questions.
- What does my policy cover when it comes to prevention and treatment for mental disorders, including substance use disorder?
- How long will my insurance continue to cover my treatment?
- Does my policy cover a specific type of treatment program, such as inpatient care, outpatient care, etc.?
- Can you give me a list of facilities that are within my network?
You can also look for a rehab program that fits your needs, as this is essential to ensuring a safe and strong recovery, and call the facility itself in order to ask the questions below.
- Does your facility accept my insurance?
- How much of your costs will be met by my plan?
- Will I have to pay anything out of pocket?
Paying for Out-of-Pocket Costs
In most cases, an insurance plan will take care of some of the cost of treatment, but you will likely have an out-of-pocket cost to consider as well. Many individuals are actually able to finance this additional cost and pay a certain amount upfront when they begin treatment. Then, they are often able to pay a fixed amount monthly in order to pay off the cost of treatment and still be able to afford to attend. This is a helpful option to many individuals who cannot pay the sum of their treatment cost all at once.
According to SAMHSA, many treatment programs also offer low-cost care to patients or other options that can help one pay for treatment. For example, 76.3 of the substance abuse treatment facilities in the country (as of 2008) provided “some type of payment assistance” to patients, either with a sliding fee scale, partial, or completely free treatment. This can be immensely helpful in allowing you to afford your care.
Should I Choose Treatment Based on Cost?
It is important to make a budget and to keep it in mind when seeking a rehab program that will best fit your needs. However, one should not make cost their only or even their main priority when seeking rehab. A rehab program is a type of healthcare, which is likely to be costly, but there are many ways to pay for rehab and many types of assistance one can utilize to make it easier.
In addition, you won’t want to choose the cheapest option because your health is one of the strongest assets you have, and it is time to get back into a safer, better lifestyle. Rehab can help you do this, but it is more likely to be successful if you choose the best option for your needs, which isn’t necessarily the cheapest.