With laws concerning addition care now put in place, addicts have access to more programs to overcome their drug or alcohol addictions. More people, today, have some type of insurance that covers a portion of addiction treatment, making them more affordable to the average person. The laws made it so that coverage of rehab should match what they cover for other physical or mental ailments. However, it doesn’t require a large amount to be paid by the insurance company, though. Many people are confused by it all. The insurance process can be quite intimidating to figure out, making many people wonder whether there are copays at rehab centers to help offset the costs.
Navigating through the ins and outs of healthcare costs doesn’t have to be scary. Here, we’ll look at how some insurance plans work, how government-funded programs help, and other ways that you can pay for typical rehab treatment.
Individual insurance plans sometimes have copays for rehab
Each insurance plan varies at what kind of coverage they offer individuals seeking rehab for a drug or alcohol problem. There are some that will pay for the program once the person meets a predetermined deductible amount, which can be high at times. Other insurance plans will offer to pay a certain percentage of the cost, leaving an individual responsible for paying the rest. You can even find some that work with a reimbursement account, helping to offset some of the costs.
Regardless of what coverage your plan offers, there are usually requirements that must be met to achieve the amount they state they will pay. For example, they consider certain centers will in-network providers and are eligible for their higher payments. Those that are not eligible, will have a smaller portion paid, leaving you to handle more payment than you’re prepared for. You need to look through your policy carefully to determine what you need to do to meet those demands.
How government-funded programs help with rehab
The government-funded programs are available to low-income families as well as disabled individuals, and the elderly. Once you’re accepted into this type of insurance plan, you can use it to pay for rehab programs in your area. How much it covers will depend on your situation, so find out before you sign up for any type of treatment. Also, they may stipulate that you use only certain centers for your treatment. By the same token, not all of these clinics accept these plans, though. Look for state-funded centers, because they’re likely to allow that kind of insurance plan.
For the most part, they should pay a decent portion of your treatment costs, if not all of them. These plans will often cover all costs of certain types of services. Some states may require you to pay a copay amount that is different from state to state. However, there’s usually a maximum amount allowed for your out-of-pocket expenses for the rehab centers, enabling you to avoid exorbitant costs. Do your research to see what’s covered by the plan you currently have.
Other ways to access affordable rehab centers
If your insurance doesn’t cover as much as you like, or if you don’t qualify for state-funded programs, there’s no need to be discouraged. There are still other ways that will allow you to afford treatment for your drug or alcohol problem. Some of the options out there that you can consider are:
- Check if there’s a scale that allows for sliding fees
- Borrowing money or getting help from friends and family
- Inquire about a payment plan
Most rehab programs have some sort of payment plans you can utilize that’s affordable to your family’s budget. Don’t be afraid to ask to see if there’s any way to offset the costs of your treatment. If necessary, check with your friends and family to see if they can help in any way. Some may surprise you by offering money to help pay for it just so you can get the help they know you need and get your life back on track.
Paying for a drug or alcohol treatment program isn’t all that complicated when you do your research. With the types of plans available, you can overcome your addiction without breaking the bank to do it. If you don’t have enough coverage for your rehab plan, there’s still other options to explore that will help you pay for it. If you need more information, or if you still have questions, give us a call at 833-762-3739. We’ll gladly help guide you through the process.