If you need help with addiction and are wondering how to pay for rehab, you’re not alone. Addiction can affect anyone from any social or economic class. There are ways to get treatment, however, regardless of your income.
The cost of going to a rehab facility depends on many factors, including the type of treatment, the length of treatment, and your insurance coverage.
Let’s break them down further in detail.
Factors that Affect Addiction Recovery Center Costs
Type of Center and Location
The cost of addiction treatment will vary depending on a number of factors including the type of addiction recovery center and its location. Inpatient care is more expensive than outpatient care, and programs close to large cities tend to cost more money than those in rural areas.
Length of Stay
The length of stay is also a factor in the cost of treatment. Inpatient facilities usually charge on a daily rate that covers all services including food, housing and therapy. Outpatient programs charge on a per session basis and some offer payment plans to make payments easier.
Amenities
High-end addiction recovery centers have more to offer in terms of amenities like private rooms, pools and gym equipment. They may also offer yoga or massage therapy as part of their treatments. All these things cost money, but they can help make your stay more comfortable and reduce the stress that often comes along with recovery.
Payment Options
How you choose to finance your rehabilitation will also impact how much you pay for the treatment. Here are the payment methods you should expect:
Insurance
Most centers accept insurance and have staff that are trained to help you understand the details of your coverage. While not all insurance plans cover substance abuse treatment, many do offer some degree of coverage.
If you have health insurance, it is a good idea to contact your insurance company before making a decision about a treatment center to verify that they will cover at least part of the cost.
Sliding Scale Payment Plans
Many facilities also offer payment plans or sliding scale fees, which means you will pay based on your income level and ability to pay for the services. These types of payment plans allow anyone who needs treatment to get it without worrying about how they will pay for it. Most centers that offer payment plans require documentation to verify income.
Self-Payment
Self-payment can be paid directly by you or with a loan from a bank or credit union. If you are paying for an extended stay in a treatment facility, this may be an option for covering the cost of your care.
Medicaid and Medicare
Many addiction recovery facilities accept Medicaid and Medicare benefits for the treatment that they provide. These programs do not cover all types of substance abuse treatment or all costs related to that treatment.
For example, most facilities do not accept Medicaid or Medicare benefits if they are considered long-term care facilities, even though they may provide many of the same services.
Final Word
The truth is how much you pay depends on a lot of factors that you have to consider. Some programs are free or low-cost due to state-funding. Other centers may charge more but also offer more services and support. Some treatment centers offer financing for patients who have no insurance or don’t have coverage for addiction treatment.
The best way to really find out is to reach out to your preferred center. Note that even if you find the cost of treatment may be high, many people find that it is worth the price to get a second chance at life.
