By: Megan Hesse
Even if someone is aware that they have a substance use disorder and want to do something about it, there are still, unfortunately, many barriers that can keep them from seeking treatment. Some examples of these barriers can be a lack of access to addiction treatment, feelings of shame or embarrassment due to the negative stigma surrounding addiction, and the assumption that they will not be able to pay for their treatment.
Although none of these things should ever keep someone from getting the help they need and deserve, cost especially can seem like an obstacle that’s impossible to overcome, especially if someone does not have insurance.
However, there are, in fact, many options at your disposal when finding a way to deal with the cost of rehab. Many people may not be aware of how exactly cost correlates to addiction treatment and what financial aid or support is available to them. Addiction treatment does not have to something that’s out of your reach if you know where to look for help.
Breaking Down the Cost of Addiction Rehab
Everyone’s experience with addiction is going to vary, and that means the treatment that will be most effective for a given individual is going to differ as well. While someone trying to find out the cost of an addiction treatment program might be able to get a general estimate, the true cost will depend on specific factors, including:
- Whether it is inpatient or outpatient treatment
- The length of treatment, like a long-term residential program
- If the program is at a private treatment center, hospital, or government-funded clinic
- The level of amenities provided, like at a luxury treatment center
- If dual diagnosis treatment is needed or there are other co-occurring issues involved
- The level of post-rehab recovery services provided
- If medical maintenance therapy or other medication-assisted treatment is needed
Depending on the needs of the person seeking treatment, there can be significant differences in cost of treatment. If someone does not have a severe substance use disorder and requires only minimal support at an outpatient treatment clinic, their treatment is going to be much less than someone who requires long-term residential inpatient treatment.
Treatment length is definitely one of the bigger determining factors in estimating the cost of addiction rehab, but it can also be the most important to someone’s addiction treatment.
Different insurance policies will provide coverage for differing lengths of time, but according to the National Institute on Drug Abuse (NIDA), in order to be effective, substance abuse treatment should last at least 90 days. Anything less than that is likely to not have any lasting positive impact and result in more time spent in treatment anyway after relapse.
Know Your Options
Generally, because of the Affordable Care Act, if you have private insurance, it will include coverage for some form of addiction treatment, as substance use disorders have been recognized as a chronic illness requiring specialized treatment.
Unfortunately, the deductible or co-pay for treatment can sometimes be high to the point where it is not affordable. If that is the case, it can be worth it to speak with a treatment center or referral agency to see if you can work out a payment plan.
Many treatment centers will also work with you to bridge the gap of costs not covered by an insurance policy by way of a sliding scale of treatment and personalized cost plan based on what you can realistically afford. This option can be incredibly useful for those with a lower socioeconomic background who are in need of treatment.
With as many as 1 in 5 veterans struggling with substance abuse, it is especially important that veterans seek addiction recovery. Luckily, when it comes to dealing with the cost of addiction treatment, vets have many options available, the majority of which is completely covered by the U.S. Department of Veterans Affairs.
If you do not have private insurance or do not qualify for veteran-assistance, public insurance through the Affordable Care Act (ACA) can still provide you with access to addiction treatment.
What If I Don’t Have Insurance?
If you do not have insurance either through a private plan or enrollment in an ACA program, there are still ways to find financial resources for cutting down the cost of addiction treatment through support from the federal government.
This can come through a variety of avenues, including both Medicaid and Medicare. Medicare is a federal program that provides individuals who are either 65 and older, have a severe disability, or both with health coverage, no matter their income. Those with Medicare are covered for the majority of drug and alcohol addiction rehab, including inpatient and outpatient treatment, detox, and post-rehab services.
Medicaid is a state and federal program that can provide health coverage to those with a very low income, but both Medicaid coverage and eligibility can vary from state to state depending on whether or not that state has implemented the previously mentioned ACA expansion that includes addiction treatment services.
Finally, the majority of government funding comes in the form of grants from the Substance Abuse and Mental Health Services Administration (SAMHSA).
Not only can SAMHSA help provide information and resources on finding treatment centers and substance abuse programs for those who need them, they also provide block grants to these centers and programs to help for those who are unable to pay for treatment.
A block grant is a non-competitive grant program that provides funds and technical assistance to centers all across the country for the following purposes:
- Funding priority treatment services for those without insurance or are otherwise without insurance for a period of time.
- Funding treatment services that have demonstrated success and effectiveness but are not covered by private insurance, Medicaid, or Medicare.
- Funds to plan and implement activities and initiatives to prevent and treat substance abuse in the community and promote public health.
People seeking treatment can get into contact with a potential treatment center that may have received a block grant from SAMHSA that they can use to help cut down on the cost of their rehab treatment.
Treatment Is What Matters Most
When you are struggling with an addiction to drugs or alcohol, the most important thing is getting into treatment before it’s too late. No cost is too high for saving your life or the life of someone you care about. There are always options available, even if they are not necessarily the most appealing. Some examples include taking out a loan to finance your treatment or asking for money from family and friends.
The latter option can be very hard for many people, just as a matter of pride. But, chances are, they too want to see you recover and make a positive change in your life and will hopefully realize that their help can make that a reality.
If You’re Struggling, It’s Time to Seek Help
If you or someone you care about is battling with a dependence on drugs or alcohol, the addiction professionals at Delphi Behavioral Health Group are here to help you take the steps needed to get on the path to sobriety and a substance-free life.
We have an array of different facilities across the country and can help you find the one that best fits the needs of you or your loved one. Our admissions specialists are on-call 24/7 to answer any questions you might have, including concerns about insurance and other payment options.
So don’t wait, because addiction doesn’t. Call us now at 844-899-5777 to get connected to the help and resources you deserve. You can also contact us online for more information.