Financing Alcohol and Drug Rehab in Carlsbad
Rehab costs don’t have to hinder you from receiving the care you need. Carlsbad, California, has several free and low-cost funding options for people with low income or limited financial resources. Consider the following funding options if you have no health insurance coverage and cannot afford to pay out of pocket for substance use treatment.
State-funded treatment centers: These treatment centers receive state and federal funding to deliver low-cost and free rehab for residents who can’t pay for their services. You can expect to choose from numerous rehabs in Carlsbad. San Diego County delivers state-funded rehab through contracts, county-operated programs, and fee-for-service providers. State-funded rehab services include residential treatment, withdrawal management, post-treatment recovery services, expanded case management, and medicated assisted treatment services.
Grant-funded rehabs: Some drug and alcohol rehabs in Carlsbad are funded by the Substance Abuse and Mental Health Services Administration with grants. This enables rehabs to provide low-cost and free addiction treatment. You can expect affordable treatment if you seek care from a grant-funded rehab.
Rehab scholarships: Some rehab centers in Carlsbad offer rehab scholarships that cover part or all of the treatment costs. You can contact the program and apply for a scholarship. However, the facility may have stipulations, such as revoking the scholarship if you leave the program prematurely. You should ask the program about the requirements of the rehab scholarship before applying.
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Here is a list of free drug rehab options in Carlsbad and San Diego County:
- San Diego Rescue Mission Haven of Hope
- VA San Diego Healthcare System
- San Diego County Teen Challenge
Private Insurance, Medicare, and Medi-Cal
You can expect many of the rehabs in Carlsbad and San Diego County to accept private group and individual insurance coverage from Kaiser Permanente, United Health, Cigna, Aetna, Blue Cross Blue Shield, and many others. You can significantly reduce the total cost of drug and alcohol misuse treatment in Carlsbad by using private insurance. The reduction will depend on the type of insurance and your plan. You can call the number on the back of your insurance card to find out how much of your rehab cost is covered by insurance.
Medicare and Medicaid Can Cover Treatment
Similarly, Medicare and Medicaid may cover some or all of your rehab costs. Medicare is government-funded health insurance that provides insurance coverage for people over 65. You are eligible for Medicare three months before you turn 65; however, you may qualify for Medicare earlier if you have ALS, disability, or end-stage renal disease (ESRD). You can expect coverage for the following treatments with Medicare:
- Alcohol misuse screenings
- Opioid use disorder treatment services
- Telehealth
- Inpatient treatment
- Medication-assisted treatment
- Alcohol misuse screenings
- Outpatient rehab
- Partial hospitalization
On the other hand, Medicaid is a federal and state government-funded health insurance that provides coverage for people with low income and limited financial resources. Eligibility for Medi-Cal, the California version of Medicaid, is based on income and family size. Medi-Cal covers certain addiction treatments, including substance use prevention, treatment, intervention, and recovery services across the lifespan of San Diego County residents.
The following rehab facilities in Carlsbad and San Diego County accept Medicare and Medi-Cal:
- San Diego Teen Challenge
- Southeast Mental health Clinic
- North Central Mental Health Center
Additional Carlsbad Payment Options
Private Insurance
Every insurance provider in the U.S. is required by law to provide at least some coverage for mental health and substance abuse treatment. California residents should contact their provider to confirm specific coverage provided by their carrier, including applicable copays.
Medi-Cal
Medi-Cal is California’s Medicaid program. Funded by federal and state taxes, this program pays for medical services for children and adults who have limited income. To qualify for Medi-Cal, California residents must meet income requirements and be one of the following: pregnant, responsible for a child under 21 years old, blind, disabled or a disabled family member, or 65 years or older.
California Medicare
California Medicare is a government program providing coverage to residents who are over the age of 65 or who have end-stage renal disease. California residents can use Medicare to cover the cost of rehab and other addiction treatment services; however, not all rehabs accept Medicare insurance.
Sliding Scale Rehabs
Sliding scale rehabs charge what California residents can afford, based on their income. To qualify, residents typically need to provide proof of income and assets.
TRICARE in California
California TRICARE (West Region) is a government program that provides health insurance for military personnel, veterans, and their dependents. TRICARE coverage includes addiction treatment services, such as rehab and medication-assisted treatment.
State-Funded and Free Rehab in Carlsbad, CA
For California residents who can’t afford treatment, state-funded and free rehab services may be available. These programs use government funding to pay for the treatment. To qualify, residents may be required to provide proof of income.
Sliding Scale Rehabs
Sliding scale rehabs offer income-based fees, meaning they charge only what a Florida resident can reasonably afford to pay. To qualify for a sliding scale rehab in Florida, residents typically are required to show proof of income.
IHS-Funded Drug Rehabs
Drug rehab programs funded by the Indian Health Service provide free addiction treatment to Alaskan Natives and Indigenous people in the U.S.
Resources
- California Overdose Surveillance Dashboard. (n.d.). San Diego County Dashboard.
- San Diego County.gov. (n.d.). About Behavioral Health Services.
- Medicare.gov. (n.d.). Mental health & substance use disorder services.
- San Diego County.gov. (n.d.). Substance Use Disorder Services.
- City of Carlsbad California. (n.d.). About Carlsbad.
