Drug & alcohol detox treatment is easier and safer at a medical detox center, but it also is not inexpensive. Requiring 24/7 monitoring and care, medication, a room, food, and more, there is a lot to offering detox treatment. Additionally, detox is typically followed by residential or outpatient treatment that, depending on the level of care and location, can be costly as well. If you are looking to get treatment for yourself or a loved one, but you are not sure how payment works, here is a quick look at the options:
Depending on the provider and plan, private insurance will cover some or most of your treatment at a detox center or another addiction rehab center. The majority of treatment facilities accept insurance from all major providers including United Healthcare, Aetna, Cigna, Blue Cross and Blue Shield. Whether you are enrolled in an insurance plan via your employer, directly through the insurance provider, or through healthcare.gov, there is a good chance you have coverage.
The Affordable Care Act removed the ability for an insurance provider to deny or penalize people who have a pre-existing condition, such as an addiction to alcohol or drugs. In fact, insurance providers must treat drug and alcohol addiction disorders with the same level of care as any other medical condition. Healthcare plans subsidized via the Affordable Care Act may cover between 60% and 90% of a drug and alcohol rehab program.
You may not know what to ask your insurance provider or what to look for on your policy to know what is covered, but the admissions specialists at most detox and rehab centers can assist with this.
Some people pay for their addiction treatment out of pocket. This may be because the person does not have private insurance or a loved one has offered to pay for or provide a personal loan for the cost of treatment. If you are addicted to drugs or alcohol, now is the time to dip into your savings and get help for yourself that is really priceless.
When private insurance is not an option and you simply do not have access to the necessary funds, a private loan is one option to look into. Just like you would get a loan to buy a car or a house, it is possible to get a private loan to pay for treatment. In fact, there are organizations such as https://mytreatmentlender.com/ that specifically provide drug and alcohol rehab loans.
Just because someone is an addict, does not mean that they aren’t loved and supported. There are many amazing people who suffer from addiction and dependance who are amazing, warm-hearted individuals who others would love to support in their journey to recovery. If you are open to sharing your journey, start a crowdfunding campaign to raise money to get treatment or pay off a loan you may have taken out to go to a detox center.
Medicaid is a government-funded healthcare program created to offer healthcare coverage to people who are either over the age of 65, under the age of 19, pregnant, or fall below a certain income threshold. Medicare is another type of government-funded healthcare program designed to ensure people over 65 have access to healthcare that they need. Depending on the situation, Medicare can also be supplemented by Medicaid. These programs do offer benefits for addiction treatment but be sure to check if the detox or treatment center you are going to is in-network.
At Compass Detox, we accept insurance from all major providers including United Healthcare, Aetna, Cigna, Blue Cross and Blue Shield, and more. To verify your insurance coverage or to discuss alternative payment methods, give us a call today and our team will be happy to assist!