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Thursday, February 22, 2024

Affording Addiction Rehab: Navigating the Financial Barriers to Treatment

Addiction rehab is a serious matter, as many people are becoming addicted because of one or the other reason. You will be alarmed to know that according to the National Center for Drug Abuse Statistics (NCDAS), 50 percent of the population aged above 12 years have used addictive substances at least once in their life.

Although help is available for substance abuse, many people cannot access it. If you or someone close to you is struggling with addiction, many things can stand in the way of getting help, finances being one of them.

This article will discuss some options for affording addiction treatment. These options can vary with individual circumstances and resources available but hopefully will provide clarity on navigating these issues successfully.

What is the Importance of Addiction Rehab?

Addiction rehab is essential for several reasons. If you don’t get addiction rehab, many negative consequences can occur. These include:

  • Increased risk of overdose and death from drug use.
  • Increased risk of contracting a bloodborne illness from unsafe injection practices
  • Poor health outcomes due to poor nutrition and physical activity levels during active addiction.
  • Increased risk of legal issues related to criminal behavior associated with drug use/dealing. An increased likelihood that those who seek treatment will also be incarcerated.

There are many options available for rehab centers. Statista shows that there were around 16,066 rehab centers in the US in 2020.

Factors to Consider to Find Affordable Rehab Centers

Finding a center that suits your needs and budget is most important to get affordable rehab treatment. Here are some factors to consider to analyze that:

The Cost of Addiction Rehab

The cost of addiction rehab depends on the type of treatment you choose. For instance, residential treatment can cost around $500-$650 per day, while intensive outpatient rehab treatment can cost $250-$350 a day.

Although the cost can be high, it is vital to get the treatment. According to the American Addiction Centers, drug overdose can even lead to death. It caused around 92,000 deaths in the US in 2020.

Hence, you must find affordable rehab centers to ensure timely treatment. You can make a wise decision by comparing the costs with your budget. By exploring these options and working with a reputable alcohol rehab California facility, individuals can receive the care and support they need to overcome addiction without worrying about financial barriers.

The costs can also depend on the location of the rehab center. The NCDAS data shows that the average individual treatment can range between $42,000 and $66,000 based on location. Idaho offers the cheapest treatment at $42,195, while the cost of medicine in the District of Columbia is the highest at $66,538.

States like California (CA) and New York (NY) are close to the average cost at around $56,000. This means that you can get reliable treatment here at affordable prices. However, you must still consider other factors, such as treatment options, support, community, etc., to find the right center.

You can take help from online directories that list rehab centers in such states to decide. If you are looking for rehab in California, look for online directories that list rehab centers in CA. Find Addiction Rehabs can list all the rehab centers in California and even provide additional information like reviews, treatment programs, insurance available, etc., to help you make the right decision.

The website also lets you filter your search results based on the location and treatments you are looking for. This can help you in finding a treatment center in CA matched to your needs and budget.

Insurance Coverage for Addiction Rehab

Suppose you’re struggling with addiction and wondering how to get insurance coverage for addiction rehab. In that case, you first need to know that it’s not always easy. About 37.6 percent of drug use disorder patients do not know whether their existing healthcare plan covers treatment costs.

There are several types of insurance policies, some more generous than others when covering addiction treatment.

You can receive benefits through these providers if your employer offers them as part of its employee benefits package or if you have purchased them independently through an insurance broker or agent. However, if your employer does not offer such plans, your next step would be to contact one or more companies directly about their offerings.

When selecting a rehab center, find out if it accepts the insurance you are covered under. For instance, Cigna insurance is a popular option covering mental health disorder treatment costs, including drug rehab.

Hence, you must choose a rehab center that accepts Cigna insurance if you have this plan. Using your Cigna insurance plan for addiction treatment will let you access treatment at affordable costs, as all or a large part of the costs will be covered by Cigna.

Government Assistance for Addiction Rehab

If you’re looking for a way to afford addiction rehab, government assistance is one of the first places to look. The government has several programs to help people pay for treatment, including Medicaid and Medicare. However, these programs are unavailable in every state and county in the United States.

If you think your income qualifies as low enough for government assistance, contact your local Department of Human Services (DHS). They can tell you if any programs exist in your area and how much money they would cover each month if approved by DHS officials.

Here are some common government programs available for assistance with addiction rehab:

Medicaid

If you’re looking for addiction treatment, Medicaid is an excellent place to start. It’s a federal program that provides health coverage to low-income individuals and families, including those with mental health disorders like substance use disorders.

In most states, Medicaid covers addiction treatment, inpatient care, and outpatient services like counseling or support groups.

However, in some states, including California, you may have to pay a small co-pay for your treatment plan. But even that can be waived if the doctor certifies that your income qualifies you for free care under the state’s guidelines.

Medicare

Medicare is a government program that provides health insurance for people over 65. It’s not an insurance plan but a government program that pays for medical services. Medicare covers addiction rehab at inpatient and outpatient facilities.

It also pays for some prescription drugs, durable medical equipment (DME) such as walkers and wheelchair ramps, skilled nursing care after leaving the hospital or residential treatment center, and more.

In order to qualify for Medicare coverage of substance abuse treatment services:

  • You must have been diagnosed with an opioid use disorder by an addiction medicine specialist
  • Your doctor has determined that you are likely to benefit from treatment with buprenorphine or methadone
  • Your doctor has determined that your physical condition makes it unsafe for you to undergo detoxification without medical supervision

TRICARE

TRICARE is a health insurance program for active-duty military, retirees, and their families. The Department of Defense-managed plan offers coverage at military facilities and through private providers. Data shows that TRICARE covers around 9.6 million beneficiaries worldwide.

While TRICARE does not cover all addiction treatment services, it includes some reimbursements for inpatient care at a facility specializing in treating substance use disorders (SUDs), such as an inpatient rehab facility. However, you must qualify for these benefits by meeting certain criteria, such as the following:

  • You have been diagnosed with a SUD by a qualified mental health professional within the last 12 months
  • You are currently enrolled in residential treatment for SUDs
  • You are receiving outpatient treatment from a provider who has received training from the Defense Health Agency’s Substance Use Disorder Practitioner Education Program (SDPEP)

Seek Help Successfully for Addiction

As you can see, there are many options for funding addiction rehab. The most important thing is researching and finding the best option for your needs.

Stay tuned to this site for more blogs on wide-ranging topic matters, and be sure to reach out to Find Addiction Rehabs at (877) 959-7271 to get immediate help in finding addiction treatment options nationwide!

HBC Editors
HBC Editorshttp://www.healthcarebusinessclub.com
HBC editors are a group of healthcare business professionals from diversified backgrounds. At HBC, we present the latest business news, tips, trending topics, interviews in healthcare business field, HBC editors are expanding day by day to cover most of the topics in the middle east and Africa, and other international regions.

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