Tragically, a great number of individuals do not receive the assistance they need to overcome their drug and alcohol use because they have a difficult time paying for addiction treatment services. There are a number of ways to pay for addiction treatment whether it is with your insurance, out of pocket or through grants. However, it is still possible to get the help you need even if your insurance will not cover the cost or you do not have the money to pay for treatment.
The overall cost of the addiction treatment service will depend on the type of facility that you attend. Private facilities as a general rule are more expensive than public facilities. Some facilities cost on average between $12,000 and $50,000 and upwards. Ideally, you want to get into the best center that you can afford. You should also consider their track record of success when you think about how much money you are planning to invest in your sobriety.
For individuals with medical health insurance, The Mental Health Parity and Addiction Equity Act or MHPAEA requires insurance companies to provide equal benefit coverage for drug and alcohol abuse that is provided for other medical conditions. As a rule, most insurance companies pay a portion or have a deductible on the amount that will be covered for drug and alcohol addiction treatment services.
Insurance companies usually pay up to 28 days for addiction treatment. It is important that you talk to your insurance provider and find out exactly how much they will pay before you find an addiction rehab treatment service. Find out if there is a deductible or co pay so that you will have no surprises when you are ready to check in or check out.
If you do not have insurance and are going to have to pay for the entire cost out of your own pocket, then check with the facility and see if they offer a sliding fee scale or offer discounts for individuals who have to pay out of pocket. In some cases, if the addiction treatment service knows that you are going to pay for your treatment yourself they may offer you a discount.
There are addiction treatment services that offer scholarships to their potential clients on a financial need basis. Sometimes the amount of the scholarship awarded will pay for the entire cost of the treatment, sometimes it is at least 50 percent of the total. If you qualify for a scholarship, consider that any amount that you are granted is a step in your favor.
Another thing to consider is that many addiction treatment centers work with a finance company that can help you pay for the treatment. In many ways financing your treatment will allow you to pay it off over several months as opposed to giving up the entire amount all at once. For many individuals this is an ideal option for them.
An important thing to keep in mind however is that addiction treatment does not always have successful results. There are better alternatives to treatment that may be just as cost effective and will provide you with verified results.