Escape from addiction sometimes feels like an impossible feat. You might feel like all the odds are working against you. The fact is, rehab is expensive. You might be wondering if insurance covers rehab and what the program will cost you. Insurance might be the perfect way to offset your costs. This gives you or your loved ones a chance to get into a rehab program.
About 22.7 million people each year need treatment for drug or alcohol problems. Sadly, 89% of them never get the treatment they need. We will discuss the cost of rehab and what it costs when you have insurance. We will also address other important issues related to finances and rehab, including what percentage of the cost is covered by insurance and available payment options when you do not have insurance.
Does Insurance Cover Rehab?
The simple answer to this is, “Yes.” Insurance will cover the costs since a rehab program is just like any treatment program. However, there are variables that you need to consider, such as the specific terms of the insurance plan.
The Cost of Rehab
The cost of rehab depends on the type of treatment center and the kind of program you choose. You can either opt for an inpatient program or an outpatient program. Some nonprofit programs will not cost you a dime. Others, such as luxury centers for celebrities, can cost as much as $80,000 a month. Typical drug recovery and treatment centers lie between $2,000 to $25,000 a month.
Costs will also vary based on the location of the treatment center, the length of the treatment program, and the treatment features included in the package. For instance, a center located close to the beach might cost you more than a treatment center in the suburbs.
Outpatient or Inpatient Rehab
When you choose an inpatient program, you will be required to live at the recovery center where you will be able to get all the therapy you need for recovery. Additionally, you will learn new skills that align with your new, clean, and sober life.
Inpatient rehab takes place in a dedicated environment. It eliminates all the temptations from your surroundings so that you can focus more on your recovery. The healing journey can be more productive and rewarding in a treatment center.
An outpatient program lets you live at home while recovering and make visits to the treatment center. This may be weekly for recovery classes, consultations, and receiving prescriptions.
Generally, outpatient programs are known to be more affordable. They also allow you to keep doing your job or taking care of responsibilities at home. It is not easy to travel when you are attending a treatment center that is not close to your location. Medication that affects your ability to drive may also make your situation more complicated. You will have to spend more on alternative means of transport to get to rehab.
The outpatient program can be difficult because of the temptations surrounding you if no one is around to give you the support you need. Staying at home means that you will not be able to focus on recovery. Most of the time, it is recommended that you go for the inpatient program if there is no one to support you while at home. There is plenty of social support at a recovery center.
How Rehab Saves You Money in the Long Run
Getting into debt to invest in rehab can be a daunting possibility. However, spending money for rehab is the wisest decision you could have ever made financially. Addiction is expensive, and the substances themselves can bankrupt you. The cost of drugs is generally much higher than the amount you would have to pay to a rehab center.
Addiction also causes problems at the workplace, and you may eventually get fired. You may have limited time to work or to organize yourself. This can lead to criminal fines when you are tested for drugs at the workplace. You will also find that it is more difficult to remain productive when you are fighting the effects of drug addiction. As such, it is implausible that you will get to advance anywhere.
Alcohol and drugs such as meth, heroin, and cocaine can cause many problems in your body. After an accident on the road or due to the drugs’ effects on your body, medical bills can add up fast. You might also face criminal charges after incidences that are due to the being under the influence. You can lose your job and find it difficult to secure one in the future. Addiction is costly, and with rehab, you will stop these expenses and save money.
What Does Insurance Cover for Rehab?
Depending on your insurance plan, the coverage that you get will be varied. However, most health insurance providers cover a portion of the expense of treatment. To find out the coverage that you can receive for the rehab, get in touch with your insurance provider. The provider will tell you precisely what services your plan can cover and for how long. You will also be informed about any co-payment you would owe and how much it will cost you to pay the package.
Private insurance does not get support from the government. By law, it is required to include mental health services. This is inclusive of substance abuse treatment. If you are a group plan member covering more than 50 employees, the insurance will cover the treatment. Generally, this is the most expensive option, but it features significantly more options. As such, you will be able to invest in a treatment plan that will fit your lifestyle.
Public insurance will make it easy for you to pay for rehab. This happens in case your plan does not cover substance abuse treatment.
In case you are not covered for addiction treatment, you can take the matter up with your employer. Your employer might be willing to help with your payments and may even give you an extended leave when you go to rehab. Acquiring leave means that you still have your old job once you return from the recovery program.
You might be afraid of losing your job by going to rehab, but not getting help is a more significant reason to lose your job. A human resource representative at your workplace will provide you with available options.
The initial cost of rehab should also not be a reason for you to stop pursuing the treatment option. Many recovery centers provide payment plans that allow you to make monthly payments. You get to start your treatment as soon as possible, and once you are clean and working a steady job, you’ll be able to pay it off. Talking to the treatment center can help you get access to rehab without stressing your finances.
Granite Recovery Centers
The Granite Recovery Center is one of the best places for an inpatient rehab and recovery program. The rehab program has been designed to get drug users and addicts who are dependent on all kinds of drugs clean. Granite Recovery Centers provides medical detoxification for people who do not need immediate medical intervention, are not a danger to themselves, and are capable of self-evacuation in the event of an emergency.
The treatment center is situated in an ideal place. Its location shuts out the outside world’s temptations from recovering patients. With a peaceful environment, the patients can focus on recovery. They can fight off the urges and cravings that are likely to creep up after a period of not using the drug.
At the Granite Recovery Center the rehab programs are more effective since you are not fighting all by yourself. There are others to help you in the fight. People in the treatment center ensure that you receive all the support you require. The transformation is made possible by massive social support from fellow patients. These are people looking to better their lives by getting away from the drugs.
The strong bonds you form with recovering patients enable you to stay stronger. These bonds continue even after leaving the rehab, helping you to stay sober. They will remind you of the program you have gone through with them and its impact on your life. They will be the support to enable you to make the best out of the rehab program.
The experts and professionals at the Granite Recovery Center are the best in their class. These professionals will provide you with the best advice to ensure that you can recover from a history of drug dependency gracefully. They have experience and are real-life examples of people who have made it in rehab. Their testimonies are good motivations towards sobriety. They also ensure that you successfully go through the treatment program.
The professionals play a major role in your recovery. Your recovery is made possible by a professional counseling program. The experts also monitor your progress. They make it friendly by listening to your ideas on the recovery journey. As you narrate your experiences in the peer group, you get to show your progress. You also get to show your struggles and the things you have and will achieve. The testimonies are helpful as they indicate the progress you have made in the rehab.
At the treatment center, the mental health program can be covered by major insurance providers. It is designed for people that have been using drugs with mind-altering abilities. Through this program, you get to have a different perspective about the drugs used in your past and how best to fight them. Overcoming addiction is not always as easy as people might think.
Getting all the help you can during these trying times is essential. At the Granite Recovery Center, we are always ready to give you all the support you need. Rehab is intended to help you make progress with the recovery from the drugs.
When you join others who are on the same battle as you are, progress is inevitable. Our staff is friendly and supportive. They are highly trained and experienced. With their skills, they can guide you all around the treatment center during your stay with us. They will ensure that you get everything that you need for the program without any problem. They are also friendly and will always be ready to listen to anything you might have to ask or suggest. For instance, you might feel the need to add a program to your schedule. They will gladly do this to see you making progress on the program. They will also advise if they feel certain decisions are not beneficial.
In case you or a loved one is looking for a rehab program to help treat an addiction problem, reach out to us. We are always available and ready to help you get on board. We will also provide you with all the information you need and answer all your questions. Do not hesitate to reach out for inquiries about the costs of rehab. We will also advise on the available financing options. We will ensure that you have all the correct information and references to get you on the way to recovery. Your recovery is more important than anything else, and at Granite Recovery Center, we will work to ensure that you get the help you need.