It should not be used in place of the advice of your physician or other qualified healthcare providers. People often suffer from mental health disorders such as anxiety, depression, and post-traumatic stress disorder (PTSD), along with addiction. Every plan is different, and most require patients to pay deductibles or copayments. The Affordable Care Act requires all insurance plans to cover treatment for mental health problems, including substance use disorders. In rare cases, patients may pursue treatment without the help of insurance.
Many people do not want to pay thousands to attend rehab, even when addiction has overtaken their lives. Fortunately, the Affordable Care Act requires companies to offer competitive insurance plans to full-time Facing Your Powerlessness in Addiction Recovery employees, and it requires states to offer comprehensive health insurance plans to individuals. Many online tools and hotlines can assist people in finding low-cost or free rehab centers without insurance.
How Much Does Rehab Cost?
Nevada is tied for 44th in cheapest to most expensive state for residential drug abuse treatment. Nevada’s average cost for outpatient drug rehabilitation services is the same as Montana’s. Illegal manufacturing of fentanyl has increased the overall usage of the drug in Nevada. Arizona ranks 31st in cheapest to most expensive state for residential drug rehabilitation services (non-hospital). A good 40% of all drugs coming into the U.S. cross the Mexico-Arizona border. Medicare is a program that is state and federally funded to provide people with the financial resources they need for healthcare.
Kentucky and Maine share the same average cost for outpatient drug rehabilitation services. Kentucky adults are twice as likely to enter a drug treatment program if a friend or family member intervenes on their behalf. Montana is tied for 44th state in cheapest to most expensive state for residential drug abuse treatment (non-hospital).
Talk to the Treatment Center
Once you are enrolled in COBRA, you will have the same coverage as you had with your previous employer. This includes any mental health and substance abuse treatment that was covered through your insurance plan. If you are pursuing treatment while covered by COBRA, you will be responsible for paying your premium. Although it might be slightly more complicated than it was when you were employed, losing your job does not have to mean you cannot receive the substance abuse treatment that you need. People looking for inpatient or outpatient addiction treatment programs will want to consider all of their insurance options first, from private health insurance to publicly funded insurance programs. There are different levels of substance abuse treatment ranging from highly intensive to minimally intensive.
- Clearly, then, there are myriad ways to pay for rehab without private health insurance.
- Once you have decided to continue your coverage, you will sign up for COBRA, and you will be responsible for paying the entirety of your premium (what was previously covered by you and your employer).
- Public insurance is any plan that’s subsidized (partially or fully) by the federal government.
You may be able to work directly with a lender or through your treatment center. Rehab centers also sometimes apply for specific grants through SAMHSA and use that https://g-markets.net/sober-living/14-reasons-being-sober-makes-your-life-better/ money to fund specific treatment programs that they run. Paying for rehab without insurance may hold some people back from seeking the alcohol treatment they need.
How to Use COBRA for Addiction Treatment Coverage
There are three basic options, and there are unique factors to consider and steps to take for each. A substance abuse problem can easily keep you from advancing in your career due to complacency and poor work habits induced by addiction. Being passed up for promotions, or staying in an entry-level, lower-income job are both potential results of substance abuse. However, those who have severe addictions may not receive all the help that they need in short-term rehab. The National Institute on Drug Abuse suggests that most individuals need 90 days to stop or significantly reduce drug use. For inpatient rehab, program lengths usually start at 30 days, then go up to 60, 90, and 180 days.
Credit cards can provide high limits, depending on your eligibility, but they also come with high interest rates, as much as 24%. People use crowdfunding as a way of funding healthcare treatment, business ventures, and more by soliciting small amounts of money from a large group of people. In other cases, family relationships may have been strained due to a loved one’s substance use, and financial support may not be an option. Rehab centers that receive this funding can help you determine if you are eligible for these funds. American Addiction Centers (AAC) is committed to delivering original, truthful, accurate, unbiased, and medically current information. We strive to create content that is clear, concise, and easy to understand.
These rehabs waive all or part of the cost of treatment for those in need. West Virginia ranks 36th in cheapest to most expensive state for residential drug rehabilitation treatment (non-hospital). In 2016, West Virginia had the highest drug-overdose death rate in the country. The excessive death rate was attributed to abuse of prescription painkillers.