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How Do I Pay for Rehab?

a group listens while a member asks "how do i pay for rehab?"

How do I pay for rehab? If you’re on the path to recovery, you may be wondering how you can afford to pay for rehab. The truth is that paying for rehab can be a challenge for many people, but there are options available to make it more manageable.

Northpoint Washington is a mental health and substance abuse treatment center that offers drug and alcohol rehab and accepts a variety of insurance plans. We will help you with insurance paperwork and billing so that you can focus on your recovery. Call 888.450.2153 today to access more addiction treatment resources that can help you on your journey to recovery.

Options for Paying for Rehab

There are a few different ways to pay for rehab, including private insurance, government insurance, and private pay:

  • Private insurance – This type of insurance comes from either a healthcare marketplace established under the Affordable Care Act or your employer. This insurance will charge you monthly payments, called premiums, and cover a basic service package. The details will vary from insurer to insurer.
  • Government insurance – The government provides this type of insurance to specific groups, such as seniors, the disabled, or those without the means to afford insurance on their own. The two significant plans offered in the U.S. are Medicare and Medicaid. This type of insurance is generally more affordable.
  • Private pay – This option simply means paying for your rehab out of pocket.

Which option you choose will depend on your coverage and financial situation.

Does Medicare Pay for Rehab?

The answer to this question is complicated and depends on the type of treatment. But yes, it may pay for many aspects of your rehabilitation program.

Treatment for alcoholism and substance use disorders is generally covered under Medicare Part A (inpatient) and Part B (outpatient). Covered items and services often include psychotherapy, patient education, post-hospitalization follow-up, and outpatient prescription drugs. A structured assessment and brief intervention program is an early intervention approach covered by Medicare when patients show early signs of drug abuse or dependency.

Hospitalization for mental illness is covered under Medicare, but there is a limit of 190 days in a lifetime. Partial hospitalization programs, which offer intensive psychiatric treatment on an outpatient basis, are also covered.

Clinicians enrolled in the Medicare program as providers are often covered, including psychiatrists, clinical psychologists, social workers, psychiatric nurse specialists, nurse practitioners, and physician’s assistants. Licensed professional counselors are sometimes not covered.

Home health services for people with mental health needs who meet eligibility criteria are generally covered. Telehealth services may also be covered for certain mental health services.

Does Insurance Pay for Rehab?

Most insurance plans will cover at least some of the costs of rehab. However, it is important to check with your insurance provider to see what your specific coverage includes. Some plans may only cover certain types of treatment, while others may have limitations on the length of your stay or the type of program you can attend. It is also essential to make sure that the rehab center you are considering is in-network with your insurance provider.

The Mental Health Parity and Addiction Equity Act (MHPAEA) requires that mental health and substance use disorder benefits be comparable to medical/surgical benefits. This means that insurance providers cannot place more restrictive barriers on mental health coverage than they do for other medical conditions.

What if I Cannot Afford Rehab?

If you cannot afford rehab, a few options are available. You may be able to get financial assistance from a government program or a charity. You may also be able to work out a payment plan with the treatment center. Some centers may offer sliding scale fees based on your income, while others may have scholarships or grants available.

At Northpoint Washington, we understand that cost is a significant barrier for many people seeking treatment. That’s why we work with insurance providers and offer various payment options to help make rehab more accessible. Don’t hesitate to reach out to us if you need help finding the right care for your situation—our team is dedicated to helping individuals get the care they need.

Get the Help You Deserve Today at Northpoint Washington

There are many ways to pay for rehab, but the best way is through insurance. Insurance will often cover most of the cost of treatment, and it is the best way to ensure you get the care you need. If you do not have insurance, there are many other ways to pay for treatment, including grants, payment plans, and private pay. No matter your financial situation, Northpoint Washington can help you get the care you need to recover from addiction. Call us today at 888.450.2153, contact us online, or verify your insurance to see what your options are for paying for rehab.