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3 Ways to Pay For Substance Abuse Treatment Without Breaking the Bank

3 Ways to Pay For Substance Abuse Treatment Without Breaking the Bank

Emptied bank accounts. Job loss. Increasingly erratic behavior. When these signs of substance abuse appear, it can be a devastating time for the person experiencing this and their loved ones. There are lots of options out there for substance abuse treatment, but most of these are extremely expensive and may be out of range for many people experiencing this disorder. So what can you do if you need treatment?

Fortunately, there are options to help pay for substance abuse treatment. The list below represents some of the most effective ways you can seek out and obtain low-cost substance abuse treatment in your area, regardless of your income.

Insurance-covered care: For those who have medical insurance, many plans will cover some or most of the cost of substance abuse treatment, including detoxification services, in-patient treatment, and out-patient/maintenance care. As with all forms of insurance-covered care, make sure the program you enroll into accepts your form of insurance, and clarify with your provider what your expected out-of-pocket costs will be based on the program fees and estimated length of care.

Medicare/Medicaid: If you don’t have private insurance, those who qualify for Medicare/Medicaid may be able to obtain covered substance abuse treatment through this program. Check with your state’s public insurance program to verify eligibility and covered programs.

Self-pay: Granted, substance abuse treatment is very expensive – in-patient substance abuse treatment for 30 days alone can range from $2500 - $25,000 dollars. However, if you need to self-pay, there are options for reducing this cost. Seek out free to low-cost programs, or ask for sliding-scale/scholarship options from your treatment provider. Bear in mind that many rehabilitation centers may offer these options to patients who have shown success and commitment to treatment for some period of time. For patients who qualify for 30 days of insurance-coverage only, this is a wonderful way of continuing treatment if needed.

While the cost of substance abuse treatment may be high, remember that the long-term costs of addiction are almost always much higher if left untreated. For you or a loved one, prioritize getting the care you need if substance abuse is a problem while using the above information to keep your costs as low as possible.

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Jennifer Novack
Posted on 07/08/2017 by Jennifer Novack

Jennifer is a writer for OpenCounseling. She has worked at a number of state and non-profit organizations, providing counseling, training, and policy development