Even if you’ve acknowledged that you’re struggling with addiction, external factors can make it harder for you to get help. Financial concerns head the list of reasons why many people, particularly men, don’t go to treatment. The prospect of coming out of a recovery program, only to come back to a life burdened by debt, is understandably unappealing.
Fortunately, recent decades have seen significant progress in the way health insurance plans view addiction. Whether you’re looking at inpatient or outpatient programs, considering a partial hospitalization program, or are simply researching which medications you may need upon completing rehab, there are a variety of options to make your journey of recovery more affordable.
The vast majority of treatment centers and recovery programs accept public or private insurance. HealthCare.gov reports that plans participating in the insurance marketplace must provide care in ten essential health categories, one of which is addiction and rehabilitation services. If you have some form of health insurance, chances are there’s a treatment option out there that’s included in your plan.
Under the 2020 Affordable Care Act (ACA), addiction is no longer considered a pre-existing condition. The ACA has made it easier to get affordable treatment for addiction and related issues. Depending on your plan and the treatment center you choose, you may be able to receive services including:
Many treatment centers accept Healthcare Marketplace plans that are sponsored by the ACA. Speak with the center of your choice to determine whether they’ll take your insurance and get you access to lower costs through the ACA.
If you want to start by seeing which options are available with your plan, you can start by contacting your insurance provider to let them know your situation and what sort of treatment you’re looking to receive. Inpatient detox, outpatient detox, partial hospitalization programs, and rehab facilities are all priced differently and most centers offer a variety of options. Do some research into the different types of treatment available, and then either speak with your insurance provider to see how you can make it work for your plan, or speak to a treatment center that takes your insurance to see what they can do for you.
Be sure to contact the right treatment center for your needs and explain your situation. Professional recovery centers understand that each person’s circumstances are unique; there’s no one-size-fits-all approach to any aspect of healing, and that includes the financial component.
Another way to figure out which treatment centers accept your insurance is by searching a national database. There are a number of free resources online to help match you up with the right treatment program for your needs. Take advantage of these services to learn the best route for accessing the care you need, from treatment to post-discharge medications.
Remember, a treatment center may be a business, but its business is to help you overcome addiction and get your life back on track. The staff at any center or program worth its salt will know that leaving you strapped for cash at the end of your recovery will not prepare you for a better life.
Even if you don’t have any health insurance, most treatment centers offer options to still be able to provide you with quality care. Many programs will work with you to create personalized payment plans that don’t break your budget. Some offer sliding scale pricing based on your household income level. There are even grants and scholarships available to U.S. citizens through recovery organizations that help subsidize the cost of recovery for qualifying individuals.
When making a decision about how to proceed with seeking treatment, weigh all the factors–financial, familial, professional, and personal–and act in your ultimate best interest. While there are certainly times when frugality is a virtue, investing in the stability of your future is not a time to skimp on treatment.
Make sure you work with your healthcare professionals and your insurance company alike to explore every option available to you so that you have access to the best possible care. There might never be a convenient time to interrupt your regular life and get help, but you should see this as the life-changing opportunity it is to overcome your challenges and become the person you want to be.
Your health and well-being are your ultimate priority. There’s not much use in worrying about finances, your career, or the other factors which make up the life you’re trying to hold together when the foundation of your life itself is at risk of collapse due to addiction. There are now more options than ever for receiving affordable treatment that fits your needs. At Cornerstone Healing Center, located in Scottsdale, Arizona, we understand how challenging it can be to change your life and get help when the life you’re trying to change is already on thin ice. Whether you’re concerned about keeping your treatment affordable, leaving your job to get treatment, or being away from your family, we’re here to listen and to work out a plan that fits your unique circumstances. You’re not facing down this problem alone. Call (800) 643-2108 to learn more about getting the help you need without jeopardizing your future stability.