How To Pay For Rehab

The critical decision to seek treatment is often overwhelming when you have no idea how to pay for rehab. Consequently, many have insurance, but the stigma of substance use disorders, addiction, and recovery blurs the lines of reason. In addition, hope for a better future seems to fade once you find out the actual cost of treatment.

Unfortunately, for those who do not have any insurance, the future looks pretty dark. Most importantly, it is possible to get help for treatment costs. Furthermore, paying for rehab is possible, and with or without insurance, a professionally recognized center is familiar with your options. Subsequently, trained admissions counselors know where to find resources to fund your treatment. As a result, learning that seeking treatment includes accepting help from people who want to help you.

How to pay for rehab.

How Much Does Drug or Alcohol Rehab Cost?

If you have ever been shopping at a department store, you can understand that when you go shopping, there are many options of goods to choose from. However, if you have decided to seek treatment, and the first thing that comes to mind is paying for rehab, stop immediately. Likewise, do you remember all those goods in the department store to choose from? Treatment centers for rehab facilities have many different treatment options to investigate and choose from. 

Therefore, exploring options is the first step to consider. How to pay for rehab will become clear once the services you decide on are determined. For example, there are inpatient, outpatient, and online options for treatment. Ultimately, detox programs are the number one concern in the beginning. Fortunately, there are guidelines and roadmaps to follow that can help you in your recovery journey.

Insurance can help to greatly lower the overall cost of treatment.

Rehab and Treatment Options and Levels

Many treatment centers offer many options and many levels of care. As a result, the first goal is to explore the different types of treatment, the service levels needed, and therapy options. In addition, once you explore the facilities, services, and location, you can revisit paying for rehab. Finally, you can look forward to finding peace of mind and knowing you are moving forward with your life and recovery. 

The beginning and most crucial service is detox. First, however, medically-monitored detox is necessary, and medication-assisted treatment must be an option. How to pay for rehab begins with putting economic importance on services before talking to an admissions counselor. In planning your journey, there must be priorities. 

Detox: The initiation into recovery, detox clears the body of the substance or substances involved with the mind and body. In addition, detox is safest when medically monitored, and the option of medication support, MAT, is non-negotiable. Methadone, buprenorphine, and naltrexone are commonly administered to relieve extreme discomfort. Furthermore, withdrawal symptoms are uncomfortable and medical complications could occur. 

  • Typically a seven-day detox program can generally cost $7,000.

Inpatient treatment: For our clients who require twenty-four-hour supervision after detox, inpatient may be the best option. Inpatient treatment has the possibility of being one of the more expensive options, but it also has many options for paying for rehab. Thirty, sixty, and ninety-day programs coincide with the level of treatment needed. In addition, many facilities offer pools, recreational facilities, meals, and personal care. 

  • Costs can fluctuate with the duration of the rehab stay but can range from about $14,000 to $58,000.

Partial hospitalization treatment: PHP consists of daily treatment through a disciplined plan, providing stability, and individual and group therapy for five to six hours daily. Our Nashville location offers this PHP for those with a severe addiction. The program’s cost is lower than inpatient rehab programs. In addition, the client is allowed to return home in the evening. 

Outpatient treatment: A standard outpatient program carries the option of being able to maintain employment and live at home, spending a few hours a day in a treatment program. Outpatient clientele participates in weekly therapy appointments while attending to other lifestyle responsibilities. As a result, outpatient care can be less expensive than inpatient treatment options. 
Intensive outpatient program: IOP clients receive several hours of behavioral therapy throughout the week but are still considered outpatient treatment. Individual and group therapy sessions are included, with the possibility of MAT options when needed.

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Paying for Addiction Treatment With Insurance

How to pay for rehab with employer-sponsored insurance plans typically includes partial or complete coverage for substance use disorders. In addition, in 2010, the Patient Protection and Affordable Care Act declared detox and addiction treatment medical conditions to be covered. This act also prevents denial of coverage for pre-existing alcohol and substance use disorders. However, depending on the plan, copays, deductibles, coinsurance, and premium payments must be paid.

Commercial employer-sponsored insurers can include any of the following:

  • Aetna
  • Blue Cross Blue Shield
  • United Health Care

Tricare provides civilian healthcare benefits to US military personnel, retirees, and dependents. Consequently, paying for rehab for substance use disorders is covered, but out-of-pocket costs vary per plan. Furthermore, active duty military is covered one hundred percent with no out-of-pocket costs. Finally, contacting the regional contractor will be needed if a specific rehab program requires a physician referral.

A couple learning how to pay for rehab through Tennessee Valley Recovery.

Health Insurance Marketplace Plans

Enrollment in a statewide Health Insurance Marketplace plan must provide full or partial coverage for substance use disorders when figuring out how to pay for rehab. Subsequently, this includes detox programs, inpatient and outpatient programs, and PHP and IOP treatment. Moreover, mental health conditions that may co-occur with  SUD are also covered. Finally, patient responsibility can usually be met with prearranged payment plans. 

What Are Medicare and Medicaid?

Federally and state-funded programs, Medicaid and Medicare, provide insurance coverage for low-income people and those over sixty-five years of age. In addition, this coverage often covers treatment for a substance use disorder, but many centers do not accept the insurance because of low payments for services. Therefore, prequalifying treatment centers for acceptance in these programs must be considered before applying. In addition, when understanding how to pay for rehab, Medicaid and Medicare recipients must request the guidelines.

Medicare provides coverage for substance abuse and rehab treatment according to the following guidelines:

  • A physician must diagnose the patient with a substance use disorder, and states treatment is a necessary service in their plan of care.
  • A Medicare-participating facility or provider provides the treatment.
  • Inpatient treatment is covered by Medicare Part A, out-of-pocket, the same as other hospital services. Also, there is a limit of 190 days in a psychiatric hospital per lifetime.
  • Outpatient services for treatment are covered in the regular eighty-twenty arrangement Medicare abides by.
A woman enjoying an individual therapy session through TVR.

Paying for Rehab Without Insurance

How to pay for rehab when you do not have any insurance coverage and do not qualify for Medicaid or Medicare is not impossible. In addition, it is paramount to receive treatment if experiencing a substance use disorder. Furthermore, if good health and living sober require a loan for treatment, it is well worth it. Despite the interest involved with the loan (lower than standard interest rates), healthcare lenders are available for financing rehab.

Other possibilities can be explored with an admissions counselor who is experienced with this situation. Paying for rehab is a worthwhile investment, even if you must use personal savings, borrow money from family and friends, or get a low-interest credit card. Health savings accounts can pay for treatment costs, and some employers have EAPs, and you might qualify for employee assistance programs. Finally, some treatment centers offer sliding scale fees according to income and need. 

Determining how to pay for rehab without insurance can be challenging, but it can also be the beginning of a new and exciting journey in recovery. Furthermore, financing options are available with some treatment centers. In addition, scholarships can be provided for a percentage of those seeking treatment. Consequently, checking with the admissions counselors of a desired center will offer possibilities for payment in your location. 

Obtain Help With Payment Resources for Rehab in Tennessee

Suppose you or a loved one is seeking help understanding how to pay for rehab for a substance use disorder rehab. In that case, Tennessee Valley Recovery in Tennessee has several locations to assist you. Offering compassionate admissions personnel to explain and help with resources for treatment payment, we welcome you to inquire through our portal or by phone. So embrace the magic of Tennessee and tour our programs online or contact us today!

Women enjoying a group therapy session through TVR.

A New Day Begins with Tennessee Valley Recovery

It is time to put your health and wellbeing first. Call us right now to learn more about how we can help you put a stop to your active addiction and begin living a life of recovery.

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