Attending a drug rehab program when you need it is essential for staying healthy and safe. In fact, drug rehab addiction treatment is even a life-saving necessity for many patients. Unfortunately, such treatment can also be expensive for many consumers. This is especially true for those who require a residential, inpatient treatment program.
One thing that patients need to look into when they’re dealing with addiction is what type of insurance coverage they’re eligible for regarding drug rehab costs. Fortunately, many insurance providers out there will offer coverage for addiction treatment programs.
Required coverage according to the Affordable Care Act
If you have some type of health insurance, you should be at least partially covered for substance abuse treatment. The Affordable Care Act stipulated that some addiction treatment coverage be included in health insurance policies according to the Mental Health Parity and Addiction Equity Act. Therefore, coverage for substance abuse treatment is currently built into a lot of policies.
However, there are some important stipulations that you should be aware of regarding the coverage that you may be eligible for. For one thing, you might not be able to go to any facility you want to for treatment. You might be limited in terms of network specifications. You might have to select a program that is within the network of your insurance provider in order to have treatment covered.
Another thing to realize is that you may have to pay a deductible or co-pay before your coverage will kick in. This amount could vary significantly by the policy. Look into the deductible or co-pay amount that your policy specifies for addiction treatment to determine how much you’ll need to pay out-of-pocket.
In some cases, insurance policies will actually offer full coverage for addiction recovery treatment. In this case, you won’t have to pay anything at all for your rehab treatment.
Some important things to remember about addiction treatment
Many patients feel overwhelmed at first when they’re trying to figure out what rehab treatment they need and how they will pay for it. However, a lot of patients overlook some significant factors that underline how important treatment is and how relatively affordable treatment can be.
Substance abuse often costs more than treatment.
Patients who are overwhelmed by treatment costs often aren’t thinking enough about how much substance abuse itself is costing them. When you’re struggling with addiction, you’re probably paying a lot on a daily basis to purchase alcohol and/or drugs.
Of course, these aren’t the only costs of substance abuse. Substance abuse can also cost you in legal fees if you run afoul of the law as the result of your addiction. Addiction can also cost you in lost income if you’re unable to hold down a job or be as productive at work as you could otherwise be.
You need to decide between inpatient and outpatient rehab.
One of the most important decisions you’re going to have to make is whether to undergo inpatient or outpatient rehab. Outpatient rehab is significantly less expensive than inpatient rehab. Inpatient rehab costs more because it requires you to live temporarily at the rehab facility. Therefore, you can save money by opting for outpatient rehab.
At the same time, inpatient rehab is generally more successful and complete than outpatient rehab. If your addiction is particularly severe and you want to kick it once and for all, it’s probably worthwhile for you to invest in inpatient rehab.
You have some options if you don’t have insurance coverage for treatment
Don’t assume that there’s nothing you can do to acquire treatment if you don’t have any obvious insurance coverage available to you. You may have some options.
For one thing, you may be able to discuss your substance abuse issue with your employer. Some employers offer added coverage to employees for substance abuse issues. You might feel concerned about bringing up your substance abuse issues with your employer. However, you should consider discussing these issues with a human resources staff member of your company. Human resources professionals are generally trained to be discreet when discussing issues like substance abuse with employees.
You also can discuss your struggle to pay for rehab treatment with the rehab facility you are interested in going to for treatment. Rehab facilities themselves can provide information on how individual patients can potentially finance treatment. They may be able to offer a referral to public assistance programs that will cover the treatment. They might also be able to put together a payment plan solution that can make treatment more affordable for individual patients.
Getting started with rehab
Don’t procrastinate about learning more about substance abuse treatment and insurance coverage for the costs of such treatment. The sooner you get started with pursuing substance abuse treatment, the sooner you can get your life back on track personally, professionally, and financially. Contact us today for a free insurance verification to see how much your insurance will cover.