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Insurance Covers Drug Rehabilitation

When someone needs treatment for a drug or alcohol addiction, cost can unfortunately play a factor in whether or not the person gets the treatment they need. Because of financial limitations, many people settle for treatment programs that are not a good fit for their needs, and many more people don’t get any help at all. It is important to take away every barrier possible when it comes to getting treatment for addiction, so that more people can get the help they need and get on with their lives.

According to the 2012 National Survey on Drug Use and Health, 23.1 million people ages 12 and older needed treatment for an illicit drug or alcohol use problem last year, but only 2.5 million received treatment at a specialty facility. The survey also showed that twenty-five percent of people who need treatment but do not receive it lack insurance.

There are resources available for individuals that are not able to afford the full cost of addiction treatment. Options such as reduced rates and even free treatment can provide the person with high-quality rehab that will get them past their addiction and ready to live a sober life. The following tips will help individuals find treatment that will meet their needs, at a price they can afford.

Ask about reduced rates

Many treatment centers have reduced rates for those with limited income, or will offer rates that follow a sliding scale, based on the person’s income and means. This is a great option for individuals that have found the right treatment program for their needs, but are not financially able to afford it. It never hurts to ask, and many individuals that inquire about reduced rates for rehab find their treatment center is open to exploring those options with them.

Contact us at 844.867.6835 today to find out how we can help.

Set up a payment plan

For those that do not qualify for reduced rates for rehab, or whose treatment center does not offer discounts, many individuals can make use of payment plans. Some rehab centers offer their own financing, while others refer clients to a third party for payment plans.

Research free drug rehab programs

SAMHSA has a search tool on its website for those that need to find free or low cost care for addiction. This list is the most comprehensive collection of treatment programs for individuals with limited income. Many cities, states, and counties have treatment facilities that provide rehab for individuals with low income, and the SAMHSA tool can help families locate these resources.

Understand insurance coverage

Insurance companies now cover more addiction and mental health treatment services than ever before. Because of a greater awareness about the disease of addiction, as well as recent legislation, insurance companies are often required to cover this type of care. Still, there are many restrictions, and understanding one’s specific benefits is often difficult. For example, some insurance companies will only cover inpatient care after the person has tried outpatient treatment and failed. Other insurance companies limit the length of time the person can receive care, or will cover only certain types of therapies. Many people do not fully make use of their insurance benefits when it comes to addiction treatment, and many others fail to fit in with insurance requirements, resulting in refusal of coverage.

Alcohol Addiction Recovery hotlineUnderstanding insurance coverage for drug rehab can be confusing. We at My Recovery Helper are here to help you understand your insurance benefits and find a treatment center that will work with your insurance company. Call 844.867.6835 now.

Invest in the future

The cost of remaining in an addiction is far greater than the cost of treatment.Addiction is expensive. Having limited financial resources is often an easy excuse for those that don’t really want to seek help for an addiction. It is often easier to deny a problem or hide from the solution than to tackle the task of getting sober and going through rehab. However, the cost of remaining in an addiction is far greater than the cost of treatment.

The National Institute on Drug Abuse estimates that substance abuse costs the United States over $600 billion annually. The average person that suffers from drug or alcohol addiction spends thousands of dollars a year to maintain their habit. In addition to handing over money to buy the substance, an individual and their family pay a high price in other ways as well. Lost wages and loss of productivity often result from addiction. Health care costs usually increase as the person’s health deteriorates. Fines and court costs are also a common problem among individuals that abuse drugs or alcohol.

When it is all added up, addiction is expensive, not only financially, but because it ruins relationships and lives. It is much more economical for the person to get the help that is needed, get past the addiction, and get on with life.

My Recovery Helper can help you or a family member get the treatment that you need to overcome a drug or alcohol addiction. We work with treatment centers that offer the highest quality of care, and we help families understand the entire recovery process. Contact us at 844.867.6835 today to find out how we can help.