If you or a loved one is struggling with addiction, you may be wondering how you can afford to pay for rehab. The good news is that various ways to finance addiction treatment exist. In this article, we will discuss how to pay for rehab, including insurance and government benefits.
Northpoint Washington is a mental health and substance abuse treatment facility 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 425.437.3298 today and learn more.
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?
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.
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 facility. Northpoint Washington is committed to helping you work through your finances to ensure you get the help you deserve.
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 425.437.3298 and see what your options are for paying for rehab.