When dealing with substance abuse, the last thing you need to worry about is the cost of treatment. While there are various ways to raise funds to meet these costs, including borrowing, fundraising or even taking a loan, insurance remains one of the most popular.
Paying for Rehab Using Insurance
In the past, many insurance companies did not cover addiction treatment of any kind. With a raft of laws concerning addiction now in place, substance abuse treatment is now regarded as an essential health care benefit for US citizens. This means that insurers can’t completely deny substance use disorder coverage, giving those struggling with addiction better access to treatment.
However, the devil, as they say, is in the details. Insurance plans differ when it comes to the amount and type of addiction treatment they will pay for. Some insurance providers may only cover intensive outpatient and outpatient treatment programs but not residential treatment programs. Others may ask policyholders seeking treatment such as detoxification services or family therapy to shoulder some of the costs required in the form of deductibles and copayments.
For this reason, it is important to find out what your health insurance plan covers before enrolling in a rehab program. This will save you from incurring unexpected expenses.
What are Copays And Do They Exist In Rehab Centers?
When seeking out suitable rehab facilities, a lot of people ask if there are copays. A copayment, or a copay for short, is an out-of-pocket flat fee your insurance company may require you to pay for a service. For instance, if your insurance plan lists a $50 per day copay for detox, you’ll be responsible for paying $150 if the detox takes three days. Some insurance providers also put a cap on daily copayments, to help keep these costs affordable.
If you still find this too costly for you, you may want to talk to the treatment facility. Some rehabs offer alternative means of payment including a sliding fee payment plan, private lending, or even offer grants or scholarships to their clients to help them meet treatment costs. Taking advantage of these offers can go a long way towards helping you afford rehab treatment.
Give Us a Call Today
At the Robert Alexander Center for Recovery, we believe that substance abuse treatment should be affordable for all those who need it. We try to make our payment process as simple and stress-free as possible so that our clients can concentrate on their recovery. This is why we facilitate payment for our services using a variety of insurance providers. We also provide a range of payment options to help our clients meet the cost of treatment at our rehab facility in Kentucky.
If you need addiction treatment, don’t let the cost get in your way. Schedule a consultation with us today and we’ll discuss which payment options are available and help you figure out the most suitable one for your situation.
