Covering the cost of rehab can weigh on many people’s minds, no matter how necessary the treatment is.
If you’re struggling with addiction, or know someone that is, you might be wondering: Who pays for rehab?
In this article, I will explore some key information about rehab, including who pays for rehab.
Without further ado, let’s get started.
Who Pays For Rehab?
The short answer is that it depends on the individual program. However, in the majority of cases, health insurance covers rehab as it involves treating a medical disease.
However, there are a few variables that you will need to be aware of, such as the specific terms of the plan, that will help you determine if your insurance covers a rehabilitation program.
How Much Does Rehab Cost?
While most insurance plans cover rehab, the exact cost of rehab varies from one policy to another.
It also differs depending on where the patient lives, the duration of their stay, and what type of treatment they receive.
For instance, private, luxury facilities tend to charge more than public ones.
Generally speaking, you can expect to pay from anywhere between $2000 to $25,000 a month for the majority of standard drug treatment centers.
When looking for the right rehab center for you, make sure that you do your research to find one that is suitable for your needs and within your budget if you’re paying for your rehab yourself.
What If Your Insurance Doesn’t Cover Your Rehab?
If your insurance doesn’t cover your rehab, you may have to pay for it yourself. This could mean paying for it through loans, credit cards, or other means.
However, before you think about paying for the rehab treatment yourself, you should first:
Consult With The Rehabilitation Center
You’ll want to check with the treatment center first to see if they offer any payment options.
Many rehabilitation centers offer payment plans that allow you to pay smaller amounts of money on a monthly basis, allowing you to cover your rehab even if you don’t have all of the money to pay for your treatment up front.
These options are super helpful, as they allow you to begin your treatment when you need it, not when you can afford it.
Once you’re clean and are able to hold down your job and have money coming in every month, you’ll be able to begin paying the money back.
Consult With Your Employer
Another option is to talk to your employer. When doing your research on whether your employer might cover rehab costs, first consult the information provided in your employee handbook.
Your employer might offer to cover the cost of rehab, even if it isn’t lawfully required for them to do so.
Although this depends on the circumstances that you’re in and the role that you have, they may even offer to help you pay for your treatment in rehab.
Other businesses might even provide you with extended leave so that you can return to your job when you’ve finished rehab.
It can be an overwhelming and scary prospect to think of losing your job by attending rehab.
However, if you don’t get the help that you need, then you’re likely to lose your job as a result of this anyway.
Cost Of Rehab Vs. Cost Of Addiction
While rehab might seem like a big cost to pay upfront, when you compare it to the cost of addiction, rehab is always the most cost-effective option.
Cost Of Health Problems
Most importantly, you can’t put a price on good health. Both alcohol and drug abuse have a huge impact on your mental and physical health.
From anxiety and depression, to liver damage and cancer, addiction has a huge toll on your body over the years.
Cost Of Substance Abuse
No matter where you’re getting the money for your habit from, addiction is costly.
An alcoholic that drinks every single day could easily spend over $3000 in a year on drinks alone, and that’s a conservative estimate.
When you multiply this over several years, you’re looking at a significant cost that you could be putting to better use if you curbed the habit in rehab.
Cost Of Lost Income
If you lose your job because of your addiction, this is another cost that you have to pay for, as addiction often results in workplace problems, accidents, and criminal fines.
Addiction makes it difficult for you to function and be productive at work, as it rules your daily thoughts.
In addition to this, the majority of states allow businesses to test for drugs following an accident.
A Note On Seeking Rehabilitation
When it comes to drug and alcohol addiction, it’s essential that you get the help and support that you need as soon as you can recognize that you have a problem.
Support is available, but you can’t get help without admitting that you need it.
Speaking to the closest people around you is likely to set the wheels in motion and help you figure out what your options are and what you need to do next.
It’s easy to feel overwhelmed and completely isolated when you’re struggling with addiction, but the first step is admitting that you have a problem.
From here, there are avenues that you can take to get rehab treatment, even if you don’t have the money yourself.
There is a wide range of insurance providers, as well as treatment centers that offer additional financing options to make your recovery as affordable as possible.
In the majority of circumstances, your insurance will cover the cost of rehab.
That being said, this can be dependent on a few factors, so you will need to do your research.
I hope this article has been helpful and has given you a better understanding of who pays for rehab, and how much the treatment can cost.
Seeking help is the first step to getting your life back on track, so don’t hesitate to explore your options.
The main thing is that you confide in the people close to you that you need help, and they can assist you in taking the next steps on the road to recovery.
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