How to Pay For Drug Treatment
Drug treatment does not come without a cost – monetary and personal.
However…
You can be sure, it is worth the investment. At the end of the day, the cost of treatment is nothing compared to continued drug use. Skipping work, losing a job, legal problems and health issues associated with drug use all add up. Not to mention the cost of relationships and a meaningful life.
The cost of treatment depends on the needs of you or your loved one. First: consider the type of center and the treatments offered. Do you need carefully monitored detox? Inpatient rehab housing and intensive treatment? How many sessions of outpatient rehab might you need, and for how long?
Our treatment professionals at TrustedRehab can help you with many of these questions over the phone.
Depending on your circumstances, there could be little to no out-of-pocket expense. There is a big difference in the cost of government-funded programs and those offered by non-profit groups and facilities that have luxurious amenities like acupuncture, massage, pools and tennis courts.
The True Price of Drugs
Treatment center studies have reported the following estimated costs for drug treatment:
- In-patient Rehab = $6,000-$20,000 for a 30-day program; $12,000-$60,000 for 60-90 day programs
- Outpatient Rehab for mild to moderate addictions = $5,000-$10,000 for three months programs
- Outpatient detox = $1,000-$1,500
This may look like a lot. But…
You should never let budget stand in the way of you and your new, clean life. There are treatment options available to everyone. Those with limited resources can find low-cost and sliding scale programs administered by hospitals, mental health centers, private facilities and public health agencies.
There are many ways to pay for treatment:
- Employee Assistance Plans
- Financial aid
- Financing options
- Insurance
- Loans from friends and family
- Medicaid
- Medicare
- IRAs (individual retirement accounts), savings accounts
- Sale of personal assets
At TrustedRehab, our treatment specialists can help you answer some of these big questions.
Medicaid: Eligibility requirements for Medicaid include being more than 65 years of age or under 19-years-old, pregnant, a parent or within a specific income bracket. Coverage includes detox, family counseling, in-patient rehab, intervention, long-term residential treatment, maintenance and craving medications, mental health services, outpatient visits and screenings.
Medicare: Medicare for drug and alcohol rehab is available to individuals over 65 years and those with disabilities. A monthly premium is charged, based on income. Medicare can cover in-patient and outpatient drug rehabilitation. Parts A, B, C and D cover different aspects of treatment. Part A deals with insurance for hospital stays, Part B with medical insurance, Part C relates to Medicare-approved private insurance and Part D is associated with prescription insurance.
Obamacare & Insurance: Additionally, the Affordable Care Act (ACA) covers addiction treatment. Under the ACA, addiction is not a pre-existing condition for insurance purposes, and covers addiction evaluation, addiction treatment medication, alcohol and drug testing, anti-craving medication, brief intervention, clinic visits, family counseling, and home health visits. ACA health insurance plans also assist with in-patient services, such as medical detox. Many insurance may cover your time in recovery. TrustedRehab is here to answer you questions about insurance and treatment.
You may be able to claim treatment for drug addiction as a medical expense on your income taxes, if the cost is at least 10 percent of your gross annual income.
If there is one take-away everyone should have when it comes to drug treatment, it is that you cannot put a price tag on clean and sober living! Getting your personal and professional lives back on track is priceless!