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 how much inpatient rehab costs.

For those without insurance, the cost of rehab can feel overwhelming, but help is available. Many reputable centers offer guidance on funding options, ensuring recovery is accessible. How much rehab costs without insurance is a common concern, but trained admissions counselors can connect you with resources, making it easier to take that first step toward treatment.

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 your mind is how to pay for drug 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. For this reason, it is worth considering things like how much alcohol rehab costs vs. a specific program such as PHP or IOP.

Therefore, exploring options is the first step to consider. Understanding payment options becomes clearer once you’ve identified the services you need. For example, the alcohol rehab cost may differ slightly from the cost of drug rehab. 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.

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 how to pay for drug 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. When considering how to pay for rehab, it’s important to prioritize the economic value of services before consulting an admissions counselor. In planning your journey, there must be priorities.

Detoxification

Detox: This clears the body of the substance or substances involved with the mind and body. In addition, it is the 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 7-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, offering group and individual therapy for five to six hours daily. Our Nashville location provides 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

It is a standard outpatient program that 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.

How to Choose a Rehab Center Based on Costs

Once you’ve determined the level of care you need, it’s important to consider other factors when choosing the right rehab center:

• Accreditation and Licensing: Ensure the center meets national quality standards.
• Insurance Compatibility: Confirm whether the center accepts your insurance.
• Specialized Programs: Choose a facility offering programs tailored to your specific needs, such as dual-diagnosis treatment or gender-specific rehab.
• Location and Amenities: Costs can vary by location and facility features. Decide what level of comfort and convenience aligns with your recovery goals.

A New Day Begins with Tennessee Valley Recovery

Visit the admissions page at Tennessee Valley Recovery today to learn more about our treatment plans.

Admissions

How to Pay for Rehab with Insurance

Paying for addiction treatment with employer-sponsored insurance plans typically offers partial or full 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.

How to Evaluate Financing Options

After reviewing your insurance benefits, evaluating financing options can help clarify the best path forward:

• Does my insurance cover all or part of the costs?
• Can I qualify for financial assistance or scholarships?
• What is my total out-of-pocket expense?
• What repayment terms can I afford if taking out a loan?

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 coexist with SUD are also covered. Finally, patient responsibility can usually be met with prearranged payment plans. 

How Much Does Rehab Cost Without Insurance

How do you pay for rehab when you do not have any insurance coverage and do not qualify for assistance? 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. 

Figuring out how to cover the cost of 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, and 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. 

How to Pay for Rehab in Tennessee: Find Support Today

At Tennessee Valley Recovery, we understand that beginning the journey to a healthier life can feel overwhelming, especially when considering costs. If you’re wondering how to pay for rehab or asking yourself how much does inpatient rehab cost, we’re here to guide you. Our team is dedicated to helping you explore all available options, ensuring that treatment is both accessible and tailored to your needs.

Reach out to us today, and let us answer your questions, address your concerns, and provide a clear path forward.