One reason why people hesitate to get addiction treatment is because of the cost. Although rehab services can be expensive, they’re cheaper than paying for drugs in the long run. For that reason, it’s easier to think about paying for rehab as an investment in your future. Luckily, your insurance benefits could make addiction treatment programs more affordable than you realize.
How Insurance Pays for Rehab
Thanks to government intervention, insurance companies must treat addiction as a chronic health problem. Because of that, they have to provide coverage for treatment much like other chronic health issues. Some examples include heart disease and diabetes.
Also like other health issues, the specific coverage that your insurer provides depends on your policy. For instance, your plan may cover all of your withdrawal services but only part of your rehab services. You might also have more coverage for Outpatient drug rehab than Residential care.
Also, some insurance plans require that you meet specific criteria. For example, your policy might require that you complete Outpatient rehab before you qualify for Residential rehab. On the other hand, some insurance policies encourage Residential Treatment for first-time enrollment.
Before you enter addiction treatment, it’s vital that you determine all of your out-of-pocket costs too. You may be responsible for co-pays or coinsurance for each outpatient visit and medications. Your policy might also restrict how many outpatient visits it will cover. It could even prevent you from exceeding a specified amount for your treatment.
In any case, paying for rehab with insurance works in the same way as paying for any medical treatment. The rehab center that you choose can verify your insurance coverage and help you prepare for the cost of care. It may help you identify alternative forms of payment as well.
Other Ways of Paying for Rehab
Since insurance doesn’t usually cover the entire cost of rehab, it’s important to know other ways to pay. Fortunately, many rehab centers offer financing options. These options allow you to make monthly payments based on your income and usually have little to no interest.
You may qualify for government grants depending on your income too. This local or federal funding isn’t a loan, so you don’t have to worry about interest or repaying it.
Furthermore, you can seek private funding to cover the rest of the cost. Medical and personal loans are only two options. By showing loved ones that you’re serious about recovery, you might be able to get donations from them. Another option is fundraising money by holding a garage sale, bake sale, or car wash.
Verify Your Insurance Policy at Our Rehab Center
As a part of Gateway Foundation, our Chicago Independence location aims to make paying for rehab and addiction treatment affordable for everyone. We accept rehab insurance coverage from nearly all insurance companies. We also accept debit and major credit cards. Our facility offers a range of rehab programs, including:
- Residential Treatment
- Outpatient program
- Intensive Outpatient Program
- Medication-Assisted Treatment
- Sober Living
- Addiction Recovery Community
Don’t let the cost of rehab prevent you from starting the journey toward recovery. Find out how we can make paying for rehab affordable. Call Gateway Foundation Chicago Independence at 773.826.1916 to verify your insurance benefits.