Finding the money to pay for inpatient drug treatment is one of the biggest obstacles addicts face in getting clean. Healthcare costs are rising, insurance is getting more complex, and pre-existing conditions keep many people from getting the coverage they need. To further complicate matters, many insurance companies have found loopholes in the Health Parity Act which allow them to deny funds for rehab. If you’re an addict seeking treatment, you need understand the following five ways that you can pay for inpatient care.
1. Your Current Insurance
Despite the difficulties of dealing with insurance companies, using your existing contract is probably the best way to afford rehab. To find out more about coverage for drug treatment, you’ll need to consider the following questions:
*Do you contract with a health management or preferred provider organization? Most people now use HMOs or PPOs to gain affordable access to networks of healthcare providers – including rehab clinics. If you contract with an HMO, you’ll be limited in your treatment options, but your out-of-pocket costs will likely be low. You’ll also need your primary care physician’s referral to an in-network treatment facility. If you have a PPO plan, you’ll have more options – but you can expect to pay more, as well.
*What are you state laws concerning out-of-network care? Most insurance companies will only offer reduced coverage – if that – for treatments obtained outside their networks. However, some states have laws which require them to provide full support when their networks don’t include vital services. If your network doesn’t have a rehab clinic within reasonable distance of your home, you may still be able to get coverage.
*Does the Health Parity Act affect your contract? This law states that insurance companies cannot provide lesser coverage for mental conditions than for physical diseases. Many people’s plans are exempt from this requirement, but you should still find out whether your coverage for rehab is legally protected.
2. Consult Your Employer
If you get your health insurance from your employer, then you may have access to a variety of benefits not available in individual contracts. Many workplaces now offer mental health benefits, and addiction is still classified as a “mental” disorder. These benefits are typically provided through employee assistance programs, and your company’s human resources department can likely direct you to the proper counselors.
Managers and executives have also been known to refer their addicted employees to inpatient drug treatment programs. Addicted workers are often afraid of losing their jobs, but trained and experienced employees are valuable assets. Issues of compassion aside, rehabilitation is often in companies’ best interests.
3. Liquidate Your Assets
If you are having trouble coming up with enough money to pay your out-of-pocket costs, you may need to sell some of your possessions. Cars, computers, and electronics can fetch high prices, and the internet makes it extremely easy to find buyers. Getting rid of these kinds of items is inconvenient, but you can always buy them back at a later date. If you are truly addicted, your recovery needs to be your top priority.
4. Ask for Help
If you net worth is simply too low to pay for rehab, you may need to turn to your friends and family members. This is a painful move for many addicts, since they so often alienate their loved ones when they use drugs. However, even resentful people may be willing to offer financial assistance if it goes towards rehab.
5. Lower Cost Options
Some people just can’t afford inpatient treatment on their own. Thankfully, there are a variety of low-cost alternative for drug rehabilitation. For many addicts, the most accessible options are state-run facilities. They often have long waiting lists, and the standards of care are lower – but some treatment is far better than none. There are also state and federal financial assistance programs which allow qualified participants to attend private clinics at reduced rates.
If you’re struggling with an addiction, you need to seek help. You may be worried about finances, but there are many ways to pay for treatment. To find out more, call the number at the top of your screen for a toll-free consultation. Our dedicated counselors will help you take the first steps on the road to recovery with an inpatient drug treatment program.