How Much Does It Cost To Enter Drug Rehabilitation?
The problem of substance abuse, and the cost and funding of treatment centers, is a complex issue.
Since treatment centers utilize a variety of components, like mental health services, behavioral therapies, medications, and even educational and employment trainings, the delivery and cost of treatment varies greatly from center to center.
Drug addiction is considered a public health concern, and drug rehabilitation centers are funded mostly through Federal, State, and local governments. However, there are also many privately owned rehabilitation centers that may work in concert with insurance companies to provide affordable care.
While the cost of drug rehab will vary by the type of facility and how it’s funded, there is no doubt many people struggle to find the money to pay for treatment.
With costs ranging from a few thousand dollars to tens of thousands of dollars, finding effective treatment that is affordable for people without insurance, or with minimal coverage, can be a serious obstacle to receiving treatment and entering recovery.
Because of the high cost of drug rehabilitation centers, some facilities offer scholarships to help cover the cost. There are also potential scholarship opportunities given by various organizations online, and preparing to apply for a scholarship is a crucial step.
Applying For A Scholarship To Cover The Cost Of Drug Rehabilitation
To start, a person may want to reach out and contact treatment facilities in their area of interest.
If applicable, a person should find out if the scholarship will help cover the cost of rehabilitation services without insurance. Many scholarships are in place for the specific reason of helping someone pay for rehab without insurance.
Treatment centers are able to offer scholarships by asking for donations and contributions from various donors and beneficiaries.
Once a person finds a treatment center that offers a scholarship to help cover the cost of drug rehab, they’ll likely have to go through an application process to get started.
The process of getting a drug rehab scholarship may include:
- filling out an online application
- going through a screening process to determine eligibility
- going on a waitlist until appropriate funding is determined and acquired
- attending a personal interview
- acceptance into a treatment program
There are also scholarship opportunities found online, and may include incentives to go back to school once through a recovery treatment program. Many of these, however, may not provide money to pay for treatment.
Besides scholarships offered by particular treatment centers and the ones found online, there are governmental programs that supply grants to organizations as a means of covering the cost of treatment for individuals.
Grants To Help Pay For Drug And Alcohol Rehabilitation
The Substance Abuse and Mental Health Services Administration (SAMHSA) is an agency that not only strives to make substance abuse resources accessible, but also offers grants to help cover the cost of drug rehabilitation.
SAMHSA offers what are called block grants. Block grants are grants mandated by congress to provide funding for mental health and substance abuse services.
The purpose of SAMHSA’s block grants is to give treatment centers the ability to:
- fund treatments and therapies that aren’t covered by insurance companies or other services like Medicaid and Medicare
- invest time and resources into programs and activities that aim to prevent substance abuse
- provide and support services for persons without insurance
By giving block grants to applicable treatment centers, SAMHSA hopes the additional funding will help drug rehabilitation centers provide more affordable treatment options for people without insurance.
While SAMHSA offers block-grants to drug rehabilitation centers to implement affordable treatment, there are other ways for individuals to find financial aid to help pay for treatment.
Financial Aid For Drug Rehabilitation
Financial aid for drug rehabilitation may come in many different forms, including scholarships and grants offered by states, specific rehab centers, or other organizations.
Others, like state-funded drug rehabilitation centers or detox clinics, may offer financial assistance when a person enrolls in treatment. Some centers or clinics may cover most of the cost, but these facilities typically have waiting lists, and persons with severe addiction may not have time to wait.
Financial aid may also come in the form of Medicaid. Medicaid covers millions of Americans, many of them low-income adults. Medicaid may be an option for uninsured adults because it may cover some of the cost of treatment.
Medicaid coverage for drug rehabilitation varies from state to state, so financial aid through Medicaid likely depends on which state a person resides.
Other options for financial aid include asking family or friends for help with payment, contacting a banking institution for a possible loan, or using crowdsourcing sites like Go Fund Me to inspire people to donate money so a person can enter drug rehabilitation.
Remember, though, any borrowed money may be considered a debt, and some people and institutions may desire to be paid back.
Anyone considering their options for financial aid for the recovery process is likely without insurance, but do insurance companies even help pay for rehab?
Do Insurance Companies Help Pay For Rehab?
Whether or not insurance companies pay for drug rehabilitation depends on several factors, including the type of insurance a person has and the funding and policies of the treatment center. Most private insurance plans are either PPO or HMO plans.
PPO plans, also called Preferred Provider Organization plans, offer flexibility for the doctors a patient can see and may also include more coverage of services. Although PPO plans are more expensive than other private insurance plans, many PPO’s are likely to cover some of the cost of drug rehabilitation.
The other popular private insurance plan, HMO, or Health Maintenance Organization, relies on a network of doctors and healthcare options to provide treatment and care for patients. While this network will have agreed on lower rates and a standard of care, a person is likely to have fewer options for which providers they can see.
HMO plans are typically less expensive than PPO plans, and less flexible, but will also likely cover some of the cost of drug rehabilitation.
Of course, this all depends on the treatment center itself. Many privately owned treatment centers work with insurance companies to ensure at least some of the cost of drug rehab is covered via a person’s individual plan.
The Affordable Care Act, commonly referred to as Obamacare, has made plenty of competitive insurance plans available to the public, and those suffering from addiction and wishing to seek treatment may benefit financially from signing up for a plan on the open market.
But, as detailed in this article, there are ways to help cover the cost of inpatient drug rehabilitation services without insurance.
How To Pay For Drug Rehab Without Insurance
To avoid high out of pocket costs for entering drug rehabilitation, many people are likely to turn to state funded rehab centers, look for available scholarships and grants to cover the cost, and search for financial aid in other, more creative ways.
However, there is no easy fix to pay for drug rehab without insurance.
It’s always advisable to reach out and contact different treatment centers to see what options are available for payment. They may offer payment plans or a sliding scale based on income.
Treatment centers are too aware of the ongoing problem of drug addiction in this country, and they desperately want to help any individual committed to seeking treatment and battling addiction.
Reach out and call now for more information on how to cover the cost of drug rehabilitation, and don’t allow finances to stand in the way of recovery.