How Do I Pay For Rehab?
There are many ways to help cover the costs of treatment: talking with one's employer, health insurance provider, local nonprofit organization, or desired rehab of choice can help illuminate exactly what they are.
How Much Does Rehab Cost?
Asking how much it costs to attend rehab is like asking how much it costs to eat at a restaurant: it depends on where one goes, how long one stays, and what’s on the menu. The good news is that the typical rehab likely has more financing options than the average restaurant, meaning there are many ways to pay for rehab without necessarily having to break the bank.
One’s health insurance provider, employer, and community may all be able to help cover the cost of treatment. Depending on the facility, the rehab itself may even offer financing options. There are many types of rehabs and services, as well as a few ways to make treatment more affordable.
What Types Of Rehab Are There?
The cost of attending rehab will vary based on the facility chosen and the services required. Below are 3 categories of treatment options, ranked by most expensive to least expensive.
- Hospital inpatient treatment. This kind of rehab is likely to be the most expensive. Individuals who may have medical complications as a result of withdrawal, or who have severe co-occurring mental health conditions, may require treatment in a center that is directly connected to a hospital. The quality of care is likely to be sky-high and available around the clock, but the bill would be similarly high given the level of service provided.
- Residential treatment. Perhaps considered the most conventional form of rehab, the residential option is when an individual steps away from their personal and professional obligations momentarily to check in full-time to a treatment center. Amenities will vary, and 24/7 care may or may not be available depending on the type of facility chosen. Expenses will fluctuate in accordance with amenities and services, but this tends to be a moderately-priced option for those seeking care.
- Outpatient treatment. The cheapest of the options listed, outpatient treatment is when an individual receives care and counseling services without having to commit to living in a facility. The patient sleeps in their own bed at night and will have the most limited access to recovery resources when compared to the other 2 options. The cost will be significantly lower than residential or hospital inpatient treatment; however, meaning this could be a viable option for many. Outpatient is especially appropriate for those whose addictions are not as severe or don’t co-occur with serious mental health disorders.
Pay For Rehab With Health Insurance
By law, health insurance providers are required to cover treatment for substance use and mental health disorders. Most health insurance providers have websites that allow members to view the specifics of their plan and their treatment options; members can also usually call a toll-free phone number listed on their health insurance card. Insurance usually won’t begin covering expenses until members meet their deductible, and even then members will likely be responsible for a co-pay. Health insurance can still be a huge way to keep out-of-pocket expenses low. However, depending on the provider, a prospective patient may have access to a host of recovery-related resources like discounts on health and wellness services, virtual care, or even access to a case manager.
Pay For Rehab With Help From HR
Some employers offer Employee Assistance Programs (EAPs) that are designed to provide care and counseling for employees struggling with problems like substance abuse. Other workplaces may be recovery-friendly, meaning they offer resources to help employees afflicted by addiction. The best way to learn what’s offered is by having a conversation with one’s human resources department; many employers may be appreciative that an employee is proactively seeking treatment for addiction as well as recognize that the company will benefit from having a happy and healthy workforce.
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Pay For Rehab With Help From Local Nonprofits
The Substance Abuse and Mental Health Services Administration (SAMHSA) gives hundreds of millions of dollars in grant money to thousands of public and private nonprofits across the country every year. Much of this money is specifically earmarked for substance abuse treatment; between SAMHSA money and donations, some treatment centers may offer their services for free or for a reduced cost. SAMHSA’s website offers locators to helps users find both substance abuse and behavioral health treatment, and one of their search filters is specifically for providers that offer free services. Additionally, sometimes churches or civic organizations in one’s community are able to provide resources.
Rehab Financing Options
Rehabs themselves may offer a slew of financing options to help patients get the care they need. This might include working with a third-party lender to provide loans for those seeking care or offering payment plans that allow patients to spread the cost of their treatment over multiple installments. Some rehabs even offer sliding scales for payment, meaning that having a lower income may qualify a patient for lower fees for treatment.
Find More Information On Paying For Rehab
If you’re worried about how you’re going to pay for rehab, you’re far from the first person to have the concern. Many solutions exist for someone in your shoes – the next step is contacting a treatment provider who can answer your questions and direct you to a treatment center. Ultimately achieving lasting recovery will be one of the best things you can do for your finances, so don’t wait. Take the next step today.
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