Fill out the form below and we will find out how much of the cost your insurance company will cover for addiction treatment. There is no obligation or commitment by filling out this form other than Northpoint Recovery verifying your benefits. Don't delay, the sooner you or a loved one gets treatment the sooner you can start the healing process.
Yes, your insurance company will cover your addiction treatment, at least partially. This may come as a surprise to you. Maybe you've gone to rehab in the past and you had to pay for it yourself. Insurance companies didn't always pay for rehab, and this is something that's only been different for a few years.
This change has occurred because of The Affordable Care Act. When this law was first signed, people viewed it as the law that required them to get insurance. It actually did so much more than that. It also made it so that health insurers had to provide benefits for addiction treatment. This was of great benefit to those who had always had to pay out of pocket. Most people would just try to quit using on their own, or they would just remain addicted.
The good news is that it doesn't matter what type of health insurance you currently have. You may have public or private insurance. Both types of policies are required to offer these benefits. Fortunately, insurance companies understand that addiction is a condition that is highly treatable. In addition to that, they know that for those who get treatment, it prevents other problems in the future.
It can cost a lot of money to go to drug or alcohol rehab. This is something you may be aware of if you've looked into getting treatment for yourself. However, just because it's expensive, that doesn't mean that it has to be unaffordable. You can afford to get the help you need to recover from your addiction. You just may need to think a little "outside the box" to make it happen.
There are several options available to you to help cover the costs of addiction treatment.
Your best bet is to utilize your health insurance benefits first. This should cover the majority of your stay in rehab. Sometimes people will actually find that their entire stay is covered in full. This may be more likely if you are able to go to an outpatient program.
Even so, any amount that you need to pay on your own should be minimal. Having health insurance can make rehab so much more affordable and attainable. If you don't currently have insurance, you can apply at HealthCare.gov.
You may be able to apply and get a scholarship that will help to cover the cost of your treatment. Is there a local addiction community help center near you? If there is, they may offer scholarships that can help. Sometimes foundations will even sponsor people to go to rehab. There are just so many different possibilities out there. You should definitely talk with someone at the local community help center. You never know who might be able to assist you, or be a resource for you.
Many drug and alcohol treatment programs will offer grants to people who can't afford rehab. This is done through SAMHSA, and grant money is given out every year.
These grants are such a wonderful resource for people. So many would never be able to get the help they need without them. You should talk with someone at an addiction treatment center near you. If funding is an issue for you, they should be able to steer you in the right direction.
Many rehab centers are more than willing to work with people who have challenges with paying. They understand that treatment is expensive, and they want to do everything they can to help. They may be able to assist you in a couple of different ways.
Some may offer sliding scale fees. These are generally based on your income. You'll have to prove your income before your fee is assigned to you. It's also possible that they may offer payment plans. This is helpful because then you can pay your rehab bill on a set schedule that will work for you.
Not all rehabs will work out a payment plan for you. However, many will offer various financing options. You might not have a credit card that will allow you to finance the full amount of your rehab stay. However, it's possible that there is a different line of credit that you can apply for. One example of this is a company called MyTreatmentLender.com, and there are many others.
Many financing companies will offer interest free payments for as long as 12 months. This is great because it cuts down on the amount you would need to pay back. Talk with the facility before you commit to going to rehab. Ask them what they can offer to help you as far as financing goes.
There are even more ways that you can work out how you will pay for your rehab stay. If you have a 401K, you might consider cashing it in. You could borrow money from your savings account as well. Perhaps you have a family member who would be willing to help cover these costs for you.
If you put your mind to it, you can find ways to pay for the treatment you need. Please don't ever let money stand in the way of you getting help for your addiction. There are so many different options that can make it possible.
Health insurance can be confusing. To help, we'd like to offer you a list of some terms that you might see, and what they mean.
Your deductible is the total amount of money you'll pay toward your health care services. This is the amount that needs to be paid before your insurance begins to cover them.
This is a fixed amount of money that you will be required to pay for a specific service. Generally, different services have different copay amounts.
This refers to the percentage that you pay after your deductible is met. If your coinsurance amount is 50%, you would be responsible to pay that amount of the bill.
This is the most that you will be required to pay for services in a year. Once you reach this amount, your insurance will pay 100%.
This is the date that your insurance will start to pay for your health care services.