Effectively treating addiction or substance abuse, whether it is to drugs or alcohol, takes a lot to achieve. Healthcare providers have to consider the individual, the substance they abuse, peculiarities, possible special needs, mental health issues, and other factors. These combine to necessitate carving special programs to meet specific needs. In some cases, patients need a longer time to recover.
When you consider everything that addiction as a disease entails and all the healthcare providers have to take into consideration, you may understand how expensive addiction rehab can be. As more people become addicts and need medical help to rid themselves of the disease, the government has had to stipulate that insurance companies must create policies that cover the treatment expenses. Therefore, health insurance covers addiction rehab. Take a look at this article to learn all the areas of coverage.
The different facets of an addiction disease mean using only one treatment option is not enough. Consequently, the treatments may include various components, such as the housing for the treatment, the type of substance abused, the individual’s relationships, the outpatient treatment, and therapy, among other things.
All these cost money, each taking a chunk at various levels. While some individuals can cover the cost of the treatment from their pockets, they are only a few who can. Most people in dire need of addiction rehabilitation do not have the money required to enter rehab and spend the time necessary to recover fully. This is where insurance comes into play.
Cost of Addiction Treatments
Having your insurance policy cover the cost of addiction rehab is not the only step. The type of program you choose affects the price. And if your policy is not broad enough, it may be insufficient to cover the cost. Therefore, knowing the treatment options may help you choose the best one according to your insurance coverage.
● Inpatient Care Program
Some rehab facilities offer subsidized costs, with one-month programs going as low as $5000. Other facilities may cost up to $20,000 every month, and these prices depend on the complexities of full in-house programs. A longer stay usually costs more, with some being as high as $60,000. The cost will depend on the facility, the amenities, and using the center’s resources for thirty days.
● Detoxification Program
If you are going for a detox program as an outpatient, the cost typically runs between $1000 and $1,500. As an inpatient needing detoxification, the program usually accommodates it, so you do not have to pay extra for it, even though it may make the total price higher. One factor that affects the price is the type of substance that needs to be removed. Dangerous substances require careful screening and monitoring, and these increase the overall price.
● Medications
Not everyone needs medication for addiction treatment. People overcoming addiction to certain drugs may not need to take more drugs unless there is a mental health issue, in which case the rehab has to treat dual diagnosis. However, most patients needing medications are those recovering from opiate and alcohol addiction.
Such drugs usually cost a lot of money, sometimes running into thousands of dollars every year. Again, it depends on the facility of choice, their treatment programs, and the medications they use. Click this link https://www.hhs.gov/ for detailed information on health insurance and opioids.
● Outpatient Program
An outpatient program is usually less expensive than an inpatient one, and the reason is obvious. You are not using the facility’s amenities every day, all day, and you spend only a few hours when you come. The frequency of visits to the rehab center and the details of the program determine the price, but it typically costs around $5,000 for a program that lasts three months. Note that some may cost more.
A few rehab facilities may offer specialized programs or those tailored to individual needs. But they may cost more than others, so bear it in mind if you have a special request.
In light of the above, having health insurance plays a vital role in which program you choose. Sometimes, you cannot help selecting a more intensive program due to the nature of the addiction. The facility of choice may even recommend an inpatient program for the best results. So, that means spending more money.
The percentage that the policy you have covers may still leave you with a significant amount to pay. However, the cost cannot be compared to the total price. Therefore, since insurance covers addiction rehab, you can go for a decent option after checking what the policy covers and what you can pay out-of-pocket.
What Affects the Cost of Rehab?
The location of the facility, the amenities, duration of stay, and the specific treatment affect how much you pay for rehab. Certain insurance policies stipulate the length of the coverage and the specific areas they cover. What is left falls to you to cover.
● Amenities
Various amenities come with rehab centers but they are not free. In fact, they contribute to the total cost of the service. Such amenities include private rooms, gourmet food, getting acupuncture or massages, swimming pools, and tennis courts. The facilities with these amenities tend to cost a lot of money.
● Duration of Stay
The length of time you stay in rehab affects the entire cost. While some centers subsidize costs for those who need to stay for extended periods, the money is usually still too high. Again, the location and amenities also determine the cost.
● Location
Going to a rehab center with an ocean view costs a pretty penny. But choosing one with an ordinary view does not cost so much. Also, the neighborhood matters, as some houses are more expensive than others.
● Treatment
As mentioned before, the treatment option is usually the primary determinant of how much your rehab stay costs. An outpatient program is cheaper than an inpatient program. And if you are only detoxifying, you pay even less. The Alliant Health drug rehab shows you some options to consider.
Conclusion
There are insurance policies that cover addiction rehab. You no longer have to pay out of your pocket to cover the costs. Even if the policy does not totally cover the treatment expense, the remainder is usually manageable. Moreover, other payment options exist such as loans and using credit cards if the facility accepts them. There is usually no price tag for total wellness.
