Paying Out of Pocket or Under Private Pay For Rehab
As substance abuse becomes more common throughout the country, with millions of people afflicted, more try to reach out for help. However, when help becomes too expensive, these individuals may choose not to ask for the help they need.
Substance abuse treatment is now listed as an essential health benefit that most health insurance plans must cover. There are exceptions, so it is important to look into the health insurance that you have.
Paying for rehab does not have to be expensive. Those who pay out of pocket—also known as “private pay”—tend to pay a lower amount than is charged to insurance companies.
If you or someone you know is suffering from substance abuse and needs to know more about paying for rehab out of pocket or under private pay terms, there are some important considerations to make.
The Costs of Substance Abuse Rehab Facilities
The cost to stay in a substance abuse rehab facility varies widely because many factors can make the price increase or decrease. Look at these factors to help you decide which rehab facility seems better suited for you and your particular situation:
- The type of facility: sober living facility, psychiatric rehab facility, inpatient or outpatient facilities, government-run facilities, private facilities, high-end luxury rehabs
- What specialty therapies they offer
- The length of time you are in the facility
- The type of addiction you have
- Whether you also need mental health-services or just substance abuse help
- Where the facility is located
It is very important to consider all of the variables before signing up with a facility. In general, the cost of rehab can be as low as $2,000 to as high as $25,000 or more. These costs also do not cover any ongoing costs for therapy after rehab, outpatient help, or medication that may be required.
Speak with the rehab provider further about their specific costs, as this will make a difference in whether you use them for help or not.
Will My Insurance Cover a Rehab Stay?
Substance abuse is now covered under the broad spectrum of mental health disorders by most insurance plans, as required by law. The type of coverage that you receive depends on the specific insurance plan you have. To find out about your insurance company plan’s rehab or substance abuse coverage, call and ask them.
Private insurance is the most common way to pay for rehab services, but not everyone has access to this type of insurance. If you are like countless millions of others who do not, there are other payment options available.
While private insurance does not necessarily have to cover the costs of rehab, most public insurance does or can provide a way to help keep some of the costs down. Speak with the insurance company’s representatives about how to make your rehab affordable.
Always Obtain a Quote for Services
Ideally, before you decide to sign up with a rehab, you want to get a quote so you know what you’re going to be dealing with price-wise. Then you can work with your insurance company, discuss options and payment plans at that particular rehab.
You may be able to pay for the services over time, rather than having to pay all of the money up front, though this depends on the particular rehab facility.
Rehab services are becoming easier than ever to obtain, especially for those who are ready to make a change and get sober. With many payment plans and options, so many are finding it easier than ever to also pay for rehabs. Many hope that it will save lives, as well.
Talk with one of our treatment specialists . Call 24/7: 949-276-2886
- medicare.gov – Inpatient rehabilitation care
- healthcare.gov – Mental health & substance abuse coverage
- finder.healthcare.gov – Welcome to Plan Finder
- ncbi.nlm.nih.gov – 6 Financing and Organizational Issues (Detoxification and Substance Abuse Treatment)
- ncbi.nlm.nih.gov – Why health insurers should pay for addiction treatment
- cms.gov – Inpatient Rehabilitation Facility Prospective Payment System
Talk with one of our Treatment Specialists!
Call 24/7: 949-276-2886