By: Ava
March 24, 2020

How To Pay For Rehab

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For many suffering from addiction, the cost of treatment becomes the number one deterrent for a path towards recovery. Aside from the cost, most people aren’t aware of the many ways treatment can be paid for. It’s often thought that treatment programs aren’t accessible for all and only certain people can attend them but that isn’t true. There are treatment options available for all different kinds of people in different financial situations. 

Seeking treatment is an investment that requires planning and willingness on the part of the person suffering from substance abuse. Although it’s an upfront cost, you really can’t put a price tag on your life. Substance abuse can be and is often fatal. We’d also like to share that alcohol or drug rehab costs are typically less expensive than leaving the drug abuse untreated. 

What is Rehab?

Rehab is a course of treatment for drug or alcohol abuse. There are different kinds of treatment programs that fall under the rehab umbrella. The length and form of treatment varies from facility to facility. Typically a combination of the following are offered at rehabs: 

  • Outpatient treatment: Patients get to live at home and regularly attend sessions with skilled substance abuse professionals
  • Residential treatment: Offered in a non-hospital setting, patients undergo treatment with highly structured care and live at the facility for a certain amount of time
  • Partial day: A program that doesn’t require staying onsite for 24 hours a day

At Multi-Concept Recovery, we offer partial day treatment, intensive outpatient, and outpatient programs. We help clients determine what course of treatment best suits them based on their addiction.

Who Needs Rehab?

Any individual who has a substance abuse issue (addiction to drugs or alcohol) can benefit from rehab. If someone wants to get sober and remain sober, rehab is for them. If someone feels like their life has become unmanageable due to drugs or alcohol, rehab is for them. Ultimately it’s up to the person who abuses substances to decide whether or not they need rehab, but there are a few key indicators someone is suffering from drug or alcohol abuse and needs help: 

  • Avoiding social situations where someone can’t use drugs or alcohol
  • Starting to become in financial debt because they are spending more money then they make on drugs or alcohol
  • Mood changes when under the influence of drugs or alcohol
  • Feeling like they can’t stop using even if they want to

The path to lifelong recovery can be difficult if you don’t admit you have a problem. The first step towards overall wellness is assessing whether drugs or alcohol are having a negative impact on your life.

Following admittance of addiction comes the decision to get sober and drug-free. Hitting rock bottom isn’t always necessary to know there’s a problem. If you end up questioning whether you have an addiction, chances are you probably do; especially if you’re struggling with relationships, holding down a job, or the ability to tend to daily living. 

Paying for Rehab

Depending on whether you have money at your disposal or you’re on a limited income, the options for paying rehab include the following:

  • Health insurance: This is the most common way to pay for treatment. You can call your insurance provider to see if your policy covers treatment.
  • Medicare and Medicaid: Depending on the state you live in, both of these programs offer benefits and coverage for drug or alcohol abuse.
  • Employer assistance program: Some companies offer An EAP to employees. Consult with your Human Resources department to see if this is available for you.
  • Financing options: Some treatment centers have a sliding scale financing option that allows you to pay at your own pace. 
  • Cash pay: Treatment centers have cash paying options if you’d like to pay out of pocket. This is less common than using health insurance or other programs.
  • Retirement accounts, IRA’s, savings accounts: Although this is recommended as a last resort, you can turn to private sources if needed. 

Several insurance companies such as Aetna, Blue Cross Blue Shield, Cigna, and United Healthcare all participate in covering drug or alcohol treatment centers. The Affordable Care Act (ACA) has also been instrumental in treating addiction and mental health disorders.

Multi-Concept Recovery Offers Financing

We know paying for treatment can be hard and don’t want it to come in the way of those seeking treatment. Substance abuse can be life-threatening and we want to help all who need it. We accept different insurance plans at Multi-Concept Recovery and also offer financing options. You can apply for financing here. Contact us if you or a loved one is struggling. Help is waiting.