How To Pay For Addiction Rehab

The fear that they won’t be able to pay for rehab is the top reason given for why people don’t seek treatment in the first place. When you hear the high costs paid by celebrities for their rehab, it seems daunting. But remember, you may not have to pay those kinds of prices.

They are paying for luxury. They are paying for good publicity and maybe to avoid a court case or imprisonment. You just want to get well.

Second, paying for your rehab may not be as difficult as you imagine. Your health insurance policy may cover some or all of it.

Health Insurances and Substance Abuse Treatment Provisions

The Patient Protection and Affordable Care Act (ACA) extended the substance abuse treatment provisions of the Mental Health Parity and Addiction Equity Act to many more Americans through their employer or group healthcare plans. There are exceptions (including plans with 50 or fewer members), but your addiction rehab may be partially or wholly paid for.

Finding out whether and how much your particular plan will pay can be confusing and frustrating. Different insurance companies and different plans cover different percentages of your recovery or exclude some treatments. Your employer or insurer should be able to find out for you what is covered and what you will have to pay for out of pocket.

You also could ask Mountain Springs Recovery to check it out for you. Our insurance specialists will do all the hard work of verifying your benefits and determining how much of your treatment your insurance will cover.

You don’t have to spend a lot to get good care. A 2017 Harvard study found that “Spending more doesn’t always mean you get better health.” A lot of the costs associated with luxury rehabs are just that: luxuries. These amenities don’t necessarily improve your results, only make you more comfortable.

Nor does it mean that the least expensive rehab will help your recovery as well as the most expensive. It’s just not the only or most important consideration.

Second, paying for your rehab may not be as difficult as you imagine. Your health insurance policy may cover some or all of it.

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Programs that Can Help You Pay for Rehab

Your employer may also have an Employee Assistance Program, a voluntary program to help and retain employees. Most employers have realized that the costs of undiagnosed or untreated employee substance abuse are much higher than the costs of treatment, as are the costs of training replacement employees. Financial assistance may even be available.

Medication-assisted treatments for alcohol and opioid addiction recovery – such as naltrexone, methadone, and buprenorphine – may also be covered.

Whatever your plan, remember, there may be a deductible and there may be a limit on coverage. You may have to pay some of the costs yourself or arrange to pay them later. These costs are unlikely to decrease if you delay treatment until your addiction is worse. If you wait, you may suffer severe and irreversible consequences, not only physical – accident, overdose, and death – but also damage to relationships – your spouse, your family, your employment.