When a family member is suffering with a drug addiction, it affects everyone in more ways than one. One of the most difficult hurdles in helping a loved one is paying for the cost of drug treatment. Many drug treatment programs and rehab center options can cost thousands of dollars per month (or even per week). Paying for treatment is a challenge on a “good day”, let alone when a family has seen their finances thrown into jeopardy because of a drug addiction.
Luckily, there are ways to pay for drug and alcohol addiction treatment that does not place an impossible burden on the family. These include financing options, insurance and employee benefits that all help offset the high price tag associated with the most effective, comprehensive forms of treatment.
How much does Drug Treatment Cost?
Residential drug rehab centers are more expensive that outpatient care. These facilities have a significant overhead as they must pay for additional staff and all of the amenities commonly found in residential rehab such as catered food, exercise programs, real estate costs and maintenance costs. It is not uncommon for residential rehab (especially residential rehab) to cost thousands of dollars a month or more. On the flip side, outpatient drug treatment may end up only costing the individual several hundred dollars each month – with that figure dropping if the facility accepts insurance.
Insurance and the Cost of Drug Treatment
More and more insurance companies are covering drug treatment - -much in the same way they do other forms of psychiatric care. Most often, this coverage only extends to outpatient drug treatment centers, but there are exceptions where the insurance company pays a portion or all of the cost of a stay at a residential rehab center. It is important to check with your insurance company before selecting a drug treatment center for yourself or a family member covered under your plan.
Financing the Cost for Drug Treatment
More and more drug treatment centers are working with private lenders to help families offset the cost of rehab. Most commonly, the drug treatment facility will partner with a private lender to provide individual with a payment plan for the cost of treatment. Much like a car loan, the individual will receive the product (treatment) and then be expected to pay for it every month. Financing a drug treatment stay does not eliminate the cost of course, but it does give the family a chance to “catch its breath” financially before being saddled with the burden of paying for the entire bill.
Employers and Paying for the Cost of Drug Treatment
Finally, many companies have recognized that they have a stake in the recovery of their trusted employees. Rather than fire the individual (which may be against the law) with a drug addiction, it is a smarter investment to help pay for their addiction treatment and get them back to their highest levels of productivity. The cost of locating and retaining a new employee is simply too great – and after all, helping another person in need is the right thing to do.
Finding Affordable Drug Treatment
In a perfect world, the life-saving care offered by drug treatment programs would be free of charge. In reality, however, there is a cost attached to drug treatment – and in many cases that price is high. Top residential drug treatment programs can cost thousands of dollars per month – as the facilities must pay for overhead that includes real estate, amenities and even gourmet cuisine. Even though many families are priced out of attending these treatment centers, that doesn’t mean they don’t have outstanding options.
Insurance and the Cost of Alcohol and Drug Treatment
One of the biggest concerns among people who are dealing with drug and alcohol addiction and know that they need drug rehab is insurance and the cost of drug treatment. Like every medical expense, drug addiction treatment is expensive and paying for it is a huge concern. Fortunately, health insurance should cover most if not all of the cost. The Good Drugs Guide can help you find a drug and alcohol treatment center near you that takes your insurance. Call the phone number listed above for assistance.
HMO Insurance and Alcohol Drug Rehab Costs
The ins and outs of HMO insurance are tricky and particular. When it comes to getting your HMO insurance to cover your drug costs, you can expect to find more of the same. The good news is that, most likely, your HMO insurance coverage should at least cover part of the cost of your drug addiction treatment even if there are stipulations on the kind of treatment they will approve. It may take a little bit of research and adaptation of your treatment program, but don’t give up. Aetna and UnitedHealth Care both have HMO options that cover addiction rehab services.
PPO Insurance and Drug Rehab Costs
PPO insurance is slightly less restrictive than HMO and other types of insurance when it comes to covering the costs of drug rehab, but there are a few things you need to know to make sure that you get the most out of your coverage. Insurance companies such as UnitedHealth Care Group and TRICARE have PPO options for rehab addiction services. The Good Drugs Guide can help you figure out how to get your drug rehab costs paid for through your PPO insurance. For assistance, call the phone number listed above.
Free Alcohol and Drug Treatment Costs
Alcohol and drug treatment are like any medical treatment: expensive. Those who need it may find that the cost is considerably less expensive than living with addiction but still too high of a bill to pay without help. Is it possible to find addiction treatment? Can you get help covering the cost? The Good Drugs Guide can help you find the right drug rehab at the right price. Contact us at the phone number listed above for more information.
Private Insurance and Rehab for Alcohol or Drug Addiction
Private Insurance may cost the individual a little more money, but it provides a host of addiction healthcare options that those with public government-backed insurance plans may not enjoy. This flexibility comes into play when a family has seen their lives thrown into turmoil as a result of drug addiction or alcoholism. Aetna and UnitedHealth are both companies that offer private insurance to individuals. However, military personnel and retirees are covered through TRICARE and should contact their provider for explanation of addiction rehab benefits.
Paying for Alcohol and Drug Rehab with no Insurance
If you are one of the lucky individuals with full health insurance, there is a strong chance that you will not have to pay for the entire cost of alcohol and drug treatment out of your own pocket. More and more major insurance carriers are including rehab as a part of their standard coverage plans – thus easing the burden on families at a time when their finances are likely to be in disarray. But what if you need addiction treatment badly but have no insurance? Are there any options for you? What makes this time so especially precarious for family finances? Consider the following information before pursuing admission in a rehab facility without insurance coverage.
Insurance Benefits for Substance Abuse
Addicts looking for treatment services covered by existing insurance providers are going to run into several trends. One being that residential treatment services are based on the need for treatment at a medical level. If an addict exhibits signs and symptoms of more than one mental health diagnosis, he may be eligible for inpatient treatment, due to the recognition that medical (usually psychiatric) medical intervention is necessary to treat his condition(s) appropriately while they become detoxed from their substance(s) of abuse.
UnitedHealth Group Rehab Coverage
UnitedHealth addiction coverage benefits are primarily based on Medicare standards for medical necessity for admission. These criteria are somewhat standard with all addiction coverage plans for medical insurance. This means that a physician needs to diagnose the member with a substance abuse disorder such as dependence and/or addiction and refer them for treatment to agencies providing the following types of care:
Aetna Rehab Coverage
For members of the Aetna Health Plan group, addiction treatment is based on whether it is deemed medically necessary. The process of screening must begin with a physician assessment and then referral. A physician will usually decide if addiction treatment is needed if he/she feels like there is a need for medical supervision during detox, whether in an outpatient or inpatient setting. The same is true for treatment/rehabilitation services, whether they are inpatient or outpatient. Some addiction treatment services that are covered by Aetna include: inpatient admissions, residential treatment centers, intensive outpatient programs, partial hospitalization programs, and outpatient detoxification.
TRICARE Rehab Coverage
TRICARE, the health care program that services those in the military and their families, does offer addiction treatment services and benefits. Emergency detoxification is covered in an inpatient or hospital setting. This wording specifies that medical necessity for hospitalization is indicated. This is most often not necessary, but must be determined to be so and referral by a physician is required. TRICARE mandates that the hospitalization must be approved before payment for services rendered will be made.
Medicare Addiction Coverage
Retirees can get addiction treatment benefits through Medicare if referred by their physician to either inpatient or outpatient facilities. It is on the recommendation of the physician that benefits would be payable, up to 65 percent of all costs incurred. Inpatient is considered hospitalization and is taken out of the lifetime benefit available to the member if used for treatment. This does not cover a residential, non-hospital setting for treatment, which is the bulk of the programs available to most addicts for treatment.
Medicaid Addiction Coverage
Medicaid is a health program for low-income populations that is funded at both a federal and state level. Each state is funded by grants written for specific service provision in that state. During the grant (contract) period, the state provides these funds to each county, which has written grants stating how it will provide services, at what costs, and with strict adherence to funding guidelines.