Substance abuse inpatient rehabilitation is designed to help repair the broken aspects of an individual’s emotional, mental, physical and spiritual well-being.
It can also help an individual get their finances back on track with help writing resumes if their has been a job loss and through financial planning for the future. However, the actual process of rehabilitation does have a price tag attached to it. Depending on the monetary situation of the individual in need of rehab, this may be another hit to their already dwindling pocketbook.
Inpatient (or residential rehab) rehab provides the greatest amount of support at all levels for a patient, but with this increased standard of care comes a larger financial commitment. Luckily, if an individual has made the decision that residential rehab provides the best fit for their needs, there are a variety of options to help them pay.
The aim of every residential substance abuse rehab is to assist patients with a clean and sober existence and then teach them how to live a full life while maintaining their sobriety. A lasting recovery is the hope each inpatient rehabilitation has for their potential patients.
No inpatient program wants to allow a patient’s inability to pay stop them from receiving life-saving treatment.
Nevertheless, the reality is that running a quality inpatient rehab does cost money. Each residential facility offers different payment options to assist patients with the cost of rehab.
Each of the following is a potential payment alternative that may or may not be offered at the inpatient program of your choice:
- Insurance. Most people’s first choice of possible payment is through their health insurance. Many insurance carriers will pay for some or all of the costs associated with an inpatient rehab stay. Oftentimes, the website of the residential rehabilitation program will specify which insurance providers they accept.
- Medicare. If you qualify for Medicare, many facilities will accept it, but it usually does not cover the whole cost of treatment. Medicare Part A can be used to pay for treatment related to drug and alcohol rehab at a hospital. Medicare Part B, on the other hand, will partially pay for specialized drug and alcohol rehabilitation programs. Part B does cover some services provided at both inpatient and outpatient rehab facilities.
- Military Coverage. If you or your spouse is enlisted in the military, the insurance provided sometimes will pay for substance abuse programs.
- Payment Assistance. Certain inpatient rehabilitation programs will offer to pay for part of the treatment costs. This generally is only allowed one time, so if any rehab services are needed in the future, no assistance will be able to be given at that time.
- Scholarship. Some facilities provide scholarships to a limited number of individuals with no insurance or to those who are unable able to pay the out-of-pocket costs for treatment. These generally cover the entire bill, but are only given to people who cannot afford treatment any other way.
- Personal Loans. Many inpatient rehab programs offer the option to take out a loan to pay for treatment. If an individual chooses this route, make sure, as with any loan, to understand exactly what the loan covers along with all terms and conditions before signing on the dotted line.
- Sliding Scale. With this method, individuals pay what they are able to afford. Usually there is a scale for payment based on a person’s income and they prove what was earned the previous year with IRS documents.
- Savings Account. If the substance abuse problem hasn’t already drained any extra assets someone has in their name then dipping into a personal savings account may be the answer. This may be a last resort if someone either does not qualify or does not want to take advantage of other methods to pay for treatment.
- Borrow. If a family member or close friend believes someone is truly serious about getting sober, they may be willing to loan the money. Of course, be sure to get the terms of the loan in writing so there are no misunderstandings about the repayment plan in the future.
Finding a Quality Program
No matter what financial position someone is in, they cannot afford physically, emotionally, mentally, spiritually or monetarily to keep using drugs or alcohol any longer. Call us today and we can connect you to a variety of professional evidence-based residential treatment programs willing to discuss payment options with you. Pick up the phone and take the first step back toward a clean and sober lifestyle.