How Much Does Drug and Alcohol Rehab Cost?
Especially for first-timers, people looking for an addiction rehab program are full of questions. One of the first questions many people end up asking about treatment is: How much does rehab cost? Unfortunately, there’s no magic number for the cost of addiction treatment.
However, it’s also hard to put a price on getting help and what it can mean for your long-term health. In the long run, not getting the help that might seem expensive now might cost much more later.
When it comes to the final amount, the only way to be sure is by contacting your insurer and clinic of choice. Costs vary depending on insurers, plans, services required, time of treatment, etc. Coverage for rehab services can change with every plan from the same provider, so there is no specific price tag for this.
How Much Does Rehab Cost: Inpatient vs. Outpatient Treatment
A major factor that determines the cost of rehab is the type of treatment you want. There are two main categories of service settings for treatment you’ll find. They are either inpatient or outpatient programs. Essentially, any rehab center will operate under one or both of these forms of treatment. While prices for each of them are astronomically different, they shouldn’t be picked based on price, but according to the patient’s needs.
In general, outpatient treatment costs less than inpatient treatment. With inpatient care, you more than likely have to pay for room and board, as well as the 24/7 services you have access to. With outpatient care, you pay for core services such as detox, therapy, and counseling. At the end of the day, outpatient clients return home to their families – which is why the prices differ.
When paying for rehab, the length of the program affects the cost. It stands to reason that longer programs cost more money. For example, a 30-day rehab program costs less than a 90-day program. Therefore, clients can typically save money by choosing shorter-term rehab centers.
While this concept seems simple enough, many people don’t factor the duration and kind of treatment into the price. However, this is something that insurance companies take into account. Some insurers only cover short-term treatment plans for that reason. On top of this, severe addictions may not be able to be effectively treated in short-term programs.
The types of amenities that rehab centers offer play a role in the cost of rehab. Some places offer basic amenities, such as TVs, gyms, etc. Others offer more advanced amenities, such as nutrition counseling, acupuncture, and recreational therapy.
Some rehab centers consider themselves luxury addiction centers. These places typically cost more because they offer upscale amenities. These amenities may include pools, saunas, or on-site movie theater.
When looking into rehab costs, it is crucial to keep these details and infrastructure in mind. You should not rule out a center solely based on price comparisons, as quality comes into play.
Does Insurance Cover Rehab?
The good news is that yes, all insurance plans are required to cover services provided in rehab. All mental and behavior services are considered essential benefits. These benefits have to be covered on some level by all insurance providers, no matter the marketplace they’re in. The quality and percentage of coverage, however, depends on the insurer and the plan you picked.
The only way to truly find out how much coverage you can get is to contact the insurer. Each of them has their stipulations. You should also contact the center or clinic you’re hoping to have treatment in to find out how much does rehab cost under your insurer. Some of them partner with multiple insurers to make their rehab programs more affordable.
When looking into the price, you must also consider if your plan is an HMO or a PPO. Each of them have different requirements for coverage. Additionally, you will also need to check what are their in-network centers, as this ensures you will have some level of coverage. For out-of-network rehab, it is trickier to know how much coverage you will get – if any at all.
The coverage, of course, depends on the services required for treatment, too. Still, a lot of the most popular insurers have a simpler and more broad rehab coverage nowadays. Among the popular options in North Carolina are:
Cigna is considered one of the best for telehealthcare, meaning it is the most effective in providing services and information through tech platforms. This is great news for those hoping to look up their benefits in an easy way. Cigna provides broad coverage, being quite popular in North Carolina. It also seems to be one of the main choices for those aged 45 and over in the state.
Those insured by Cigna can get coverage for some of the most important rehab-related services. Detox is covered under many plans, both inpatient and outpatient. Besides detoxing, patients can also use their insurance to cover costs for mental health treatment. The percentage of the coverage will depend on the plan being used, which can be Bronze, Silver, Gold, or Platinum.
As it is with other insurance options, the coverage for rehab services depends on the plan chosen. Aetna offers copay-only plans, in which a patient only has to pay copay expenses once they hit their deductibles. In this case, visits to a primary care physician and generic drugs are usually covered even before hitting the deductible. Aetna plans are also all high-deductible plans, so preventative care services are also covered before hitting deductibles.
People of all ages in North Carolina seem to like the benefits of signing up for a plan under United Healthcare. It is a preferred choice among all age groups, and the coverage in North Carolina also seems quite broad. It has also been praised for its online care, which is considered one of the insurer’s strengths. Therefore, care is available 24/7, and patients can look up information or set up appointments at any time.
United Healthcare has multiple plan choices, and most of them offer partial or full coverage for rehab services. Even among its short-term options, patients can get coverage for both inpatient and outpatient treatment. The only option that does not provide rehab services coverage is its Short Term Medical Value, the lowest premium short-term plan.
Currently, BlueCross BlueShield covers about one-third of the American population. With a broad network of health care providers, it is especially beneficial for its nationwide reach across the entire U.S., North Carolina, included. The company has also made efforts to fight against addiction through preventative measures. Recently, they have rolled out a pain medication safety program in order to avoid misuse of painkillers that cause addiction.
People who benefit from a BlueCross BlueShield plan can get insurance coverage for rehab services. However, the treatment facilities and professionals providing help must be in-network in order for the patient to receive coverage. Additionally, even their Federal Employee Program offers some level of coverage – usually based on copayment per day options.
The Affordable Care Act (ACA)
The Affordable Care Act, commonly called Obamacare, can help cover costs for many services, including for rehabilitation. Under Obamacare, addiction can no longer be considered a pre-existing condition by insurers. The ACA also plans to list rehab services as essential health benefits, and therefore must be covered. Those who can qualify for ACA benefits must have insurance in order to have the ACA coverage.
People eligible for coverage include family members with incomes between the federal poverty level (FPL) and four times the FPL. Nonetheless, this FPL changes according to how many people are in the family. Through Obamacare, people who are 26 or younger can also stay as dependants on their parents’ plan.
It is important to understand that, through ACA alone, there is no 100% coverage for treatment. Some costs related to rehab services will have to be paid by the patient. The percentage of coverage a person will get depends on their plan’s cost-sharing.
Medicare and Medicaid
Both Medicare and Medicaid are state and federal funded programs which were created in 1965. The two initiatives were designed in a way so as to help those who need treatment but can’t afford it. Even though they were created together, they are very different from one another. They both have requirements for eligibility from those who want to benefit from them.
Medicaid was created with income-based eligibility required. The program aims to help those who cannot afford treatment as they provide information on their income. The range of income allowed changes every year, so even if you were not eligible before, you might be now.
As for Medicare, the eligibility required has nothing to do with income. Rather, it is based on health issues and age. This program was made in order to help people of ages 65 and over, and others with severe health issues.
Those eligible for Medicare insurance coverage are people 65+ years old that paid Medicare taxes for 10+ years; those married to people who paid Medicare taxes for 10+ years; people with severe disabilities (at any age); people suffering from End-Stage Renal Disease.
For Medicare, patients will need to check every section (parts A, B, C, and D) to know the specifics of rehab coverage. Different sections detail different aspects, like service settings, medication, number of days covered, etc.
How Much Does Rehab Cost If I Don’t Have Insurance?
Paying for rehab out of pocket can be quite expensive, but it doesn’t have to be. There are many ways to make rehab more affordable and to get funding for it. People who do not have insurance might be able to get financial help to pay off their rehab, or try different programs that provide treatment.
State and Federal Programs That Fund Rehab
First, there are state and/or federal programs that will fund rehab services for those in need. In order to be able to use it, you must qualify for it. This will be decided according to income status, and/or through proof of addiction status and/or need for intervention. Anyone can apply through a local or state mental health agency and/or substance abuse agency. The Substance Abuse & Mental Health Services Administration (SAMHSA) provided a directory to help you figure out who to call.
Rehab Grants and Scholarships
Another great way to get funding is through rehab grants and/or scholarships. There are multiple choices to try to get, and they can be funded by state or federal government, or even the rehab itself. The amount paid will depend on the grant and the rehab, as not all of them cover the total cost. But these can be of great help regarding what will be left to pay.
Besides that, some rehabs offer payment plans or sliding scales as well. The first is a plan that allows you to pay for the program little by little, breaking the total amount in gradual payments. The latter allows rehab program prices to be adjusted according to the patient’s income.
Crowdfunding for Help Paying for Rehab
Crowdfunding, as the name suggests, is a way to get funding through the help of others. Many online platforms allow people to donate to a cause, and that includes medical funding. The level of success of this would depend on the reach and interactions you can get online. But it could be worth a try – many cases go viral all the time. If you don’t reach the goal, you can at least get partial help for payment.
Taking Out A Loan for Rehab
Another final alternative would be to get a loan in order to pay. Among the many choices available, there are private or personal loans that can go toward rehab funding. You can even use home equity for it as well. Still, it is important only to get it if you are sure you can pay it off in time. Otherwise, this could affect your credit, and you could be charged extra fees.
Visit Crest View Recovery Center for Affordable Rehab
You don’t have to break the bank for high-quality rehab. At Crest View Recovery Center, we’re proud to give our clients the help and attention they deserve. Some of the substance abuse treatment programs we offer include:
- Rehab treatment
- Family therapy addiction recovery program
- Trauma treatment
- Reality-based therapy
- On-site psychiatrist
We have partnered with numerous insurers in order to help programs become more affordable for potential patients. Let us show you a path to sobriety with a financial plan that works for you. Visit our website and contact Crest View Recovery Center today at 866.986.1371 for more information. Our team will be happy to answer all your questions and help you find out all you need for rehab insurance.