Can I Get Help Paying for Rehab if I Just Lost My Job?

One of the most difficult spots an individual with a substance abuse problem can find themselves in is wanting to end their relationship with drugs or alcohol and not being able to afford treatment. If this is something that resonates with you, this article is one worth reading. While the cost of rehab is covered under employer-sponsored health insurance, this may not be an option for those who have lost their job due to their struggles with drugs or alcohol.

However, this does not mean that you have to go without the treatment you need to help you get your life back on track. In many cases, those who are unemployed may qualify for coverage under the Affordable Care Act (ACA), a comprehensive health care reform law enacted in March 2010. For those who may not be familiar with the ACA, it is government-sponsored insurance that helps cover the cost of treating a variety of health problems, including alcoholism and drug addiction. In this article, we will take a closer look at other programs that can help low-income individuals or those who have lost their job pay for substance abuse treatments.

HOW TO PAY FOR REHAB IF YOU LOST YOUR JOB

Along with the Affordable Care Act, there are other ways to pay for rehab if you have lost your job. It is important to note, however, that the cost of treatment can vary from one facility to the next. As such, some options may be better than others depending on your individual needs and your choice in treatment facilities. That said, some of the most common options include

1. COBRA INSURANCE

Depending on how long it has been since you lost your job, you may still be eligible for health insurance under the Consolidated Omnibus Budget Reconciliation Act (COBRA). For those unfamiliar with COBRA, it is a form of health insurance designed to allow eligible employees and their dependents the continued benefits of health insurance coverage should they lose their job or experience a significant reduction in work hours. COBRA is very similar to employer-sponsored health coverage in that it can be used to cover the cost involved in treating a wide range of health problems, including alcoholism and drug addiction.

2. MILITARY INSURANCE

For those who have served in the military, TRICARE is a great way to help pay for the cost of substance abuse treatments. If you’re not familiar with TRICARE, it is government-sponsored insurance designed to help military members and their families cover the cost of treating a variety of health problems, including alcoholism and drug addiction. Some of the cost covered by TRICARE include inpatient hospital services like detox, stabilization, and costs that may stem from medical complications related to resolving the addiction.

3. MEDICAID

Medicaid is state-funded health coverage that can be used to cover the cost of rehab treatments. Of course, to qualify for Medicaid, you have to be considered low-income. It is important to note that there may be some limitations when it comes to having substance abuse treatments covered under Medicaid, depending on the state where the coverage is being requested. For example, in some states, Medicaid will only cover the cost of treatment at certified and approved rehab facilities. To learn more about Medicaid restrictions related to substance abuse treatments, consider visiting medicaid.gov.

4. MEDICARE

Unlike Medicaid, Medicare is a federally funded form of health coverage aimed at those who are age 65 or over or those who have a disability. It is important to note that there are some limitations if you have a substance abuse problem that is further compounded by a mental health disorder. To learn more about these limitations, consider visiting medicare.gov. That said, Medicare does cover inpatient and outpatient treatment and is an excellent resource for older adults or those with disabilities who have a problem with drugs or alcohol.

WHAT FACTORS CAN INFLUENCE THE COST OF TREATMENT?

Whether you’re paying for substance abuse treatments out-of-pocket or using health insurance, several factors can influence your overall costs. This is important as you may still be responsible for co-payments, deductibles, and co-insurance depending on the type of health coverage you have. Some of these factors include

  • Whether you need inpatient or outpatient treatment
  • The length of your stay in rehab
  • Amenities that the facility offers
  • Location of the facility

All of these factors should be taken into consideration when you’re trying to decide on a particular rehab facility. To learn more about options available for paying for rehab if you lost your job, consider scheduling a consultation with one of our friendly and knowledgeable associates today at 833-762-3739.