The second hardest task after deciding to seek treatment for addiction is finding the finances to pay for rehab. Some treatment centers do not require payment for their programs, while other centers can cost thousands of dollars a day. The cost of addiction treatment varies depending on the treatment center and the type of treatment that is needed. Do not let the stress of finances prevent you from getting the treatment you deserve.
When choosing which treatment center is right for you, the first thing that most people look for is if the facility offers the right programs that will help and fit into your budget. The cost of treatment varies on many factors, such as the cost of rehab, medical expenses, and amenities. The following are the estimated costs of standard therapies.
Detox
Detox is often included in the cost of Inpatient treatment. Detox in Outpatient treatment can cost anywhere from $1000 – $1500. The price also depends on the type of addiction since some addictions are more dangerous to detox from and require a higher level of medical care.
Inpatient Rehab
Inpatient rehab may cost approximately $6,000 for a 30-day program, while some well-known treatment centers can cost upwards of $20,000 for a 30-day program. If a 60 or 90-day program is required, it can cost anywhere from $12,000 to $60,000.
Outpatient Rehab
If the addiction is mild to moderate, outpatient treatment may be a less expensive option. An outpatient rehab costs approximately $5,000 for a 90-day program. Some treatment centers, such as Betty Ford, can cost twice as much. The price of outpatient treatment depends on the amount of time an individual will need to spend in therapy.
Medications
If recovery requires the use of drugs, the cost of treatment will increase. Alcohol and opiate addiction almost always requires the use of drugs. Methadone treatment can cost upwards of $7,000 a year, and Naltrexone (for alcohol addiction) is $14,000 a year.
Paying for Rehab with Insurance
Most health insurance plans cover some portion of addiction treatment, while others include the cost in its entirety. Your health insurance representative can give you all the information about what is covered and how much is covered. The staff at Ken Seeley Rehab are also available to call and get the information from your insurance company if you are not sure what to do.
United Healthcare, Cigna, Blue Cross Blue Shield, and Aetna are the top four insurance companies in the United States. Each of these companies offers coverage for addiction services, whether it be full coverage or partial coverage.
United Healthcare Addiction Coverage
United Healthcare is the top insurance company in the country and offers a few policies that offer different levels of coverage for addiction treatment.
As long as the insurance care team deems the treatment a necessity, United Healthcare will cover a portion of the cost. The percentage that your policy covers will depend on the type of coverage you have. If you go through a medical detox from alcohol and drugs due to an emergency, the percentage the insurance company covers will be different.
United Healthcare covers inpatient addiction treatment depending on the policy type. The two types of plans available are Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). Each plan can be customized to fit your needs with different benefit options and metal levels.
United Healthcare may cover the following addiction services:
- Inpatient Detox
- Outpatient Detox
- Inpatient Hospitalization Treatment
- Inpatient Rehab
A PPO may offer additional addiction services and treatments. A representative is available to answer all your policy questions 24/7.
Cigna Addiction Coverage
Nearly 86 million customers worldwide benefit from Cigna’s affordable and quality healthcare. For policyholders seeking addiction treatment, some level of benefits will be available. The percentage of coverage is dependant on the plan that one chooses.
Cigna’s Behavioral Health division serves its customers by offering educational tools as well as various resources. No matter if it’s inpatient or outpatient treatment you’re seeking, Cigna dedicates to helping you overcome your addiction. Cigna may cover the followings:
- Inpatient Rehab
- Residential Rehab
- Outpatient Rehab
- Intensive Outpatient Treatment
- Partial Hospitalization Program
Contact your representative at Cigna to get your screening started and review what addiction services you qualify for.
Aetna Addiction Coverage
Aetna likes to stand out from the rest. Instead of merely offering standardized benefits to treat one’s addiction, Aetna prides itself on developing an individual approach to treatment. They work with their customers and determine the amount and level of coverage necessary for a successful recovery.
To ensure that all members who are fighting a substance addiction have access to all the available programs, representatives follow-up with members throughout their recovery journey. Aetna’s Continuing Care program organizes social events to celebrate recovery and build larger support groups.
Individuals with Aetna insurance may be covered for the following treatments:
- Inpatient and Outpatient Detox
- Inpatient Rehab
- Residential Rehab
- Partial Hospitalization Program
- Intensive Outpatient Rehab
- Continuing Care Programs
Aetna offers 24-hour support through their website or by phone.
BlueCross BlueShield
Blue Cross Blue Shield prides itself on offering a range of services to its members, including multiple options for addiction treatment. Due to the growing number of individuals fighting substance addiction, BCBS has increased its resources to help the fight against addiction. BCBS has designed a program for pain medication safety to reduce the chances of addiction.
There are different levels of benefits for those who are seeking addiction treatment. In addition to one’s prescribed treatment, OneHealth {a mobile platform} is available to provide 24-hour support and educational tools to help supplement the standard services needed for recovery.
Blue Cross Blue Shield policies can vary based on where a member lives and the laws regulated by the state. Treatments commonly covered by BCBS are:
- Detox
- Outpatient Rehab
- Residential Treatment
- Partial Hospitalization Program
- Acute Inpatient Hospitalization Treatment
BCBS may partially cover inpatient treatment. Contact your representative at BCBS to get specific details on what your policy covers.
Paying for Rehab with Medicaid
Serving low-income families, Medicaid is a public insurance program. Medicaid is required by the 2010 Affordable Care Act (Obamacare) to cover the essential services for addiction treatment. Not all facilities take Medicaid, so it is crucial to contact the Substance Abuse and Mental Health Services Administration (SAMHSA) to get a list of available treatment centers.
The following services are covered in part or in full by Medicaid:
- Screenings
- Intervention
- Detox
- Medications for cravings and maintenance
- Family Counseling
- Inpatient Rehab
- Long-term Residential Treatment
- Outpatient Rehab
Most states do not require co-pays for Medicaid, but in the that do, there is a maximum out-of-pocket limit. Contact your Medicaid representative to review the services available in your state.
Paying for Rehab through State-Funded Programs
Government funds support State-funded addiction treatment centers. Individuals with low or no income, and no insurance can receive detox, treatment programs, and support services to improve life.
The cost of treatment through state-funded programs can be covered entirely or could cost a few thousand dollars, depending on what you qualify to have covered. Another factor in what the cost might be is the type of treatments that will be required, such as inpatient rehab, outpatient rehab, and medication needs.
Multiple agencies can provide all the information needed to receive help at a state-funded treatment center. SAMHSA offers an excellent treatment center location as well as the Directory of Singel State Agencies for Substance Abuse Services. There is a multitude of information online to help find the right help.
Crowdfunding to Pay for Rehab
Finding the finances for addiction treatment could be just a click away. There are multiple platforms online to raise money, such as GoFundMe.com and YouCaring.com. These platforms allow people in need to reach out to the world to ask for support. Even though there is a social stigma around addiction, the world is full of compassionate people that are willing to help individuals improve their life.
Private Funding to Pay for Rehab
An individual may need to secure private financing if they have exhausted all other options. An addiction center may offer scholarships for treatment. The rehab center may have partnered with a third-party lending service to help potential clients acquire the money to pay for treatment.
If an individual is a homeowner, a home equity loan may be a possibility. Or if a person has a 401K or an IRA, they may have to take out money even though it comes with a penalty.
It is imperative, to be honest about your financial situation to find all the options available to help you with the financial struggles of sobriety.
Paying for Addiction Rehab With Grants
Grants are available at local, state, and federal levels. These public programs have a list of requirements that an individual must meet as well as provide a list of documents to prove they qualify. These documents can include but are not limited to:
- Proof of citizenship,
- Proof of residence within the state in which you are applying
- Financial records
- A history of your addiction and the severity
SAMHSA Grants
Grants through SAMHSA are one source of federal grants. A specific grant for substance abuse addiction treatment is the Substance Abuse Prevention and Treatment Block Grant (SABG). This grant is for a particular group of people that suffer from addiction, pregnant and postpartum women, and intravenous drug users.
Non-Profit Addiction Treatment Centers
The Salvation Army has an addiction treatment facility that requires the patients to work a 40 hour week to pay for room and board, and the treatment services an individual needs to get sober. Patients will work clerical jobs and warehouse jobs and will receive six months of treatment.
Ken Seeley Rehab is Here to Help
When the decision that you are ready for a new life free of drugs and alcohol, your only focus should be on how to get that help. Our dedicated staff at Ken Seeley Rehab is waiting to help you find all available financial resources so you can focus on getting healthy and sober. Contact us now and take a step toward a better life.
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