Escaping the grips of addiction can seem like an impossible task. Stopping on your own never seems to last very long, leaving treatment as the only available option. With the cost of drug and alcohol treatment being so high, this leaves many people wondering “Is drug rehab covered by insurance?” Even when insurance covers treatment, there are still some out of pocket costs depending on which plan you have. This can lead to serious confusion when it comes to determining benefits and paying for treatment. According to the National Institute on Alcohol Abuse and Alcoholism (NIAAA), 10 percent of adults in the United States will have drug use disorder at some point during their lives. 75 percent of these adults will not receive any form of treatment.
Will Insurance Cover The Cost of My Treatment?
So, the question almost everyone seeking drug rehab for themselves or a loved one will ask at some point is “Will insurance cover my treatment?” The answer is not exactly black and white, however, generally the answer will be “yes”. Substance use disorder is defined in the DSM-5, which is the universally recognized standard used by insurance providers to determine if they will pay for your treatment. Since substance use disorder involves treating a medical disease, most insurance companies will cover some or all the costs of treatment. However, there are usually variables in each individual plan that will determine how much each insurance company will pay.
Different treatment facilities can vary greatly in cost depending on the type of facility as well as whether you do an inpatient or outpatient program. There are free services and treatment centers, while conversely there are luxury centers that can cost upwards of $100,000 a month. However, most standard treatment centers cost somewhere between $2000 to $25,000 a month. Costs vary depending on location, length of the program, services offered, and amenities offered. For example, a rehab with an expansive rooftop view of downtown Los Angeles is going to be more expensive than one in a small city with standard accommodations.
Is Inpatient or Outpatient Treatment Right For Me?
Both inpatient and residential drug rehab means that you live at the facility and are under constant care and supervision. Inpatient is more intensive than outpatient with therapeutic groups scheduled throughout the day along with other enriching activities. Depending on your health insurance, usually both inpatient and outpatient treatment is covered by insurance.
Outpatient programs are generally less intensive and allow you to live at home or nearby while you receive treatment. Additionally, outpatient treatment is typically more affordable than inpatient programs, and allows you to continue your job or home responsibilities while you receive help. Thought outpatient can be too difficult for some—attempting to balance their newfound recovery with home life, while resisting outside temptations.
What if I Don’t Have Insurance?
If you don’t have health insurance coverage there are still options available to get you the help you need. If you’re currently employed, start with looking through the employee handbook or contacting HR for information regarding health coverage. Even if they do not offer coverage, some employers may be willing to help you. Most will at least give you an extended leave time so that you can go to treatment and get well.
Contacting the treatment center directly and asking about financing is another option if you don’t have health insurance. Most are willing to make a payment plan that allows you to pay off your treatment in smaller monthly payments.
If you would like to review your benefits and discuss your options, you can either use our tool to verify your insurance by filling out and submitting this insurance verification form, or you can call our admissions department directly at 877-RECOVERY.