When you begin looking for rehab facilities, you may worry about paying for your treatment. Unfortunately, cost is one of the main reasons people never enter a rehab program. Luckily, many insurance carriers and programs will now pay for addiction treatment. It’s important you understand your rehab insurance coverage when you begin looking for facilities, and know what center will accept rehab insurance.
What Does Rehab Insurance Cover?
Rehab insurance coverage varies from carrier to carrier. Generally, there are two types of insurance plans: HMO and PPO. HMO, or Health Maintenance Organizations, offers members a specific network of healthcare providers that they can choose from. Preferred Provider Organizations (PPO) gives members more freedom to choose in or out-of-network options.
Different carriers may also differ on what types of services they cover in addiction treatment. Some only cover a certain number of drug tests while others have a time or monetary limit. It’s important that you talk to your insurance provider and rehab center about your rehab insurance coverage.
What If I Don’t Have Insurance?
If you don’t have rehab insurance coverage, then there are other options available to you. If you or your loved one is over the age of 65, they qualify for Medicare. Medicare is a government-funded program that provides medical insurance to those over the age of 65. Medicare covers addiction treatment up to a certain number of inpatient days and offers rehab insurance coverage for prescription medications and outpatient care.
Medicaid is another government funded program for rehab insurance coverage that provides assistance to those with low incomes. For most states, there is no co-pay and Medicaid will cover all or part of most addiction treatment services. This could include screenings, counseling, outpatient care, or detox services.
Alternative Methods of Paying for Rehab
Even if you have rehab insurance coverage, there are premiums and co-pays you have to pay to get all of the treatment you need. Some people even have to rely on these methods to completely pay for addiction rehab services.
One of the most common alternative methods of paying for rehab is taking out a loan or borrowing money from friends and family. For those with strong relationships with their loved ones, they can rely on them to help them get treatment with the agreement that they’ll repay them once they’re in recovery. Those without these bonds may struggle to find somewhere or someone to borrow money from.
Some treatment facilities also offer installment plans for people who do not have rehab insurance coverage or need help covering additional fees. This can lighten the burden of treatment bills and make payments more manageable.
Using Rehab Insurance Coverage to Find Treatment
If you need help paying for rehab, don’t hesitate to reach out to an addiction treatment facility near you. The expert admissions specialists are ready to work with you to help you verify your insurance and figure out payment methods that work best for your circumstances. Don’t let finances stand in the way of your recovery and find a treatment center now.