After deciding that drug rehab is necessary for an addiction to drugs, such as prescription opioids or illegal street drugs, the individual may be left wondering how he or she is to pay for the treatments. Needless to say, inpatient treatment is much more expensive than outpatient treatment is; however, in some cases, an inpatient stay may be indicated. Drug rehab can run from a few hundred dollars every month to tens of thousands of dollars for stays in luxury inpatient facilities. To determine what type and style of treatment is needed, patients should examine their finances and should meet with a physician who can recommend an appropriate treatment plan. In addition, a financial counselor at a drug rehab facility can be indispensable in determining service charges and finance options.
Where to Start – Affordable Drug Addiction Recovery
Most patients should start by looking at their healthcare insurance policies. Many policies include at least some type of coverage both for mental health care and for substance abuse treatment. This is due to the Mental Health Parity and Addiction Equity Act. Additionally, those who purchase their healthcare insurance policies through the marketplace exchange can take advantage of the improved coverage for drug rehab that was put into law through the Affordable Care Act. Options still exist for those who have difficulty affording their health insurance premiums. Plans purchased through the exchange may have government subsidies applied for people who fall under a certain percentage of the federal poverty level.
While these options cover most people who require drug rehab, they may not work for everyone. Individuals who are covered by Medicare can receive drug rehab benefits as can many people on Medicaid depending on the state of residency. Veterans are required to receive drug rehab benefits. Other options for financing drug rehab include personal loans, personal savings and scholarships and grants offered through the Substance Abuse and Mental Health Services Administration. Finally, many drug rehab facilities offer financing and payment plans for deserving patients.