Paying for Drug Rehab
No matter what your situation is, there are many ways to pay for addiction treatment.
Though the thought of paying for substance abuse treatment may seem overwhelming, there are many options that help people pay for rehab.
The overall cost of rehab depends on various factors, including:
- Type of facility: Luxury facilities offer additional amenities but are typically more expensive, while state-funded facilities have fewer amenities but can cost much less.
- Level of care: Intensive programs (such as residential treatment) are typically more costly than less-intensive programs (such as outpatient treatment).
- Length of treatment: A longer stay may cost more than a shorter one.
- Insurance: Your insurance policy can help reduce costs, but your coverage may vary from one facility to another. You may pay more or less depending on whether your policy covers specialized treatment and whether your chosen facility is in-network.
The cost of treatment is an investment in your long-term health and overall wellness, especially compared to the costs of addiction on your health, relationships and life.
Paying for Rehab With Insurance
The Affordable Care Act requires health insurance plans to provide coverage for substance abuse treatment. Because of this, many people are able to use insurance for rehab treatment, but there are many factors that can affect what is covered. Coverage can vary based on state and federal laws, so it is important to speak with your insurance provider to verify that addiction treatment at your chosen facility is covered.
The Recovery Village Cherry Hill at Cooper is in-network with many private insurance providers, but each individual’s plan benefits may vary. Contact your insurance provider or one of our representatives to verify your policy details.
Types of Health Insurance
The two primary types of health insurance plans are private insurance and public insurance. There are some key differences between private vs. public health insurance.
- Private insurance: These are policies that you purchase for yourself or have through your employer, and you are primarily responsible for the costs. Private insurance will typically cover some or all of your rehab costs.
- Public Insurance: These policies are provided through the government and the government also pays for some or all of your insurance costs. Public insurance includes programs like Medicare and Medicaid. Public policies may not cover rehab costs.
Regardless of your policy, it is likely you will have to pay some out-of-pocket expenses for rehab. You can contact your insurance provider to find out how much your insurance policy will cover.
Other Rehab Payment Options
If you do not have a health insurance policy or your policy does not cover enough of your treatment costs, there are other ways to pay for drug rehab. There are government-funded options available to those who qualify, and payment plans to ensure people can receive treatment without incurring a large financial burden.
Medicare and Medicaid
Government-funded health insurance policies like Medicare and Medicaid provide coverage for low-income families, people with disabilities and seniors. These policies cover addiction treatment in some states, but many facilities do not accept these plans, including The Recovery Village Cherry Hill at Cooper.
Even though we do not accept Medicare or Medicaid health insurance, we would be happy to help you find a solution that meets your needs.
The Substance Abuse and Mental Health Services Administration (SAMHSA) provides grants to state-funded addiction treatment programs. These SAMHSA grants allow public and nonprofit facilities to provide more people with access to addiction support. You may be able to receive free or low-cost treatment from a facility sponsored by one of these grants.
Addiction recovery can be a difficult process and the last thing you should have to worry about is finances. To help ease the burden of paying for treatment, there are many options for rehab financing. You may take out a medical loan from your bank, which allows you to pay back the costs of rehab over a longer period, or a generous friend or family member may be able to provide you with a loan.
Fundraising or Crowdfunding
The internet has helped many families pay for medical expenses through crowdfunding and fundraising. Websites like GoFundMe allow people to raise money for a variety of different life situations, including drug addiction treatment. You can also fundraise through more traditional options, such as hosting a garage sale or some other event.
No matter how you decide to pay for treatment, it will always be worth the investment in your long-term health and happiness. If you or a loved one is ready to take the first step toward a healthier life, The Recovery Village Cherry Hill at Cooper can help. Contact us today to learn more about payment options, insurance and treatment plans that can work well for your situation.