Far too many individuals with a substance use disorder do not receive the lifesaving treatment they need. According to a sobering report released by the Substance Abuse and Mental Health Services Administration (SAMHSA), 94% of individuals struggling with addiction did not receive any form of treatment in 2021. While there is a myriad of reasons behind this statistic, one of the most commonly cited concerns is a lack of funds. Professional treatment can be costly, and many don’t have the financial means to seek out the help they need.
While the thought of paying for treatment can be overwhelming, know that there are many resources available to you. If you or someone close to you is battling substance abuse, there are numerous ways to pay for the treatment you need. In addition to insurance coverage, many people rely on government funding or private loans and grants to obtain more affordable care. Understanding the various options available to you can help make rehab more accessible to you or a loved one.
Does Insurance Cover Addiction Treatment?
One of the most common concerns people have is whether their insurance plan will cover treatment. In most cases, a typical health insurance policy covers the cost of treatment for mental health conditions, including substance use disorder. However, the total cost covered by insurance varies from one plan to the next. There are a number of factors that determine how much you can expect to pay for rehab, such as:
- The type of health insurance plan you have
- Required out-of-pocket costs
- The addiction treatment provider you choose
- Your specific needs and treatment plan
To determine how much of your treatment is covered by insurance, be sure to reach out to your insurance provider and discuss your needs with them. They can explain the specific details of what is covered under your plan so that you know exactly what to expect going forward. It’s also important to choose your rehab center carefully, as not every treatment facility accepts insurance.
At Mayflower Recovery, we’re happy to accept insurance from a number of major health insurance companies. We currently are an in-network provider for several insurance companies including:
- HMC Healthworks
- VA – Veterans Administration
Feel free to get in touch with us to discuss how we can help make addiction rehab treatment more affordable for you or a loved one.
Alternative Options for Paying for Rehab
If you don’t have a health insurance plan that covers treatment for substance abuse, you might be wondering if there are any alternatives. Fortunately, insurance isn’t the only path toward trusted and affordable care. You can also look into other options that may help alleviate the financial burden of addiction treatment. Here are a couple of alternatives that are available to individuals seeking help for a substance use disorder.
Some private rehab centers take government-issued insurance as a viable form of payment. This can be a lifeline for individuals who cannot afford to pay with private health insurance. Be sure to contact your treatment center of choice to verify whether or not they accept state insurance plans such as Medicaid.
If you don’t have the means to attend a private rehab center, you can also opt to seek treatment at a government-funded rehab facility. Typically, these facilities are run on funding from state or local municipalities. While government-funded treatment centers can be an invaluable resource to those who can’t afford private treatment, it’s worth noting that they tend to lack the services and amenities that a private rehab offers.
Where you choose to seek addiction treatment is a highly personal decision. If paying for a private treatment center is out of reach for you, it may be worth considering a state-run facility as an alternative. The ultimate objective is to choose the rehab program that you feel best fits your needs and goals.
Private Loans and Grants
Another option for funding addiction treatment is a private loan or grant. SAMHSA offers noncompetitive grants that are mandated by Congress to fund addiction treatment services. Because these grants are funded by the government, they primarily aim to support state-run rehab centers.
SAMHSA has also designated certain grants that aim to support specific groups of individuals living with substance abuse. For example, the Services Grant Program for Residential Treatment for Pregnant and Postpartum Women is designed to provide care to women who are pregnant or have recently given birth. Other targeted SAMHSA grants include those designed for people with tuberculosis, IV drug users and people at risk for HIV/AIDS.
In some cases, the funds from these grants may be able to cover the cost of rehab treatment, as well as the cost of other addiction support services. If you’re interested in applying for a SAMHSA grant, you can fill out the application on their website. If you qualify, it’s important to confirm that the funds from the grant cover part or all of your treatment. This can help ensure that you know what to expect throughout the recovery process.
Choosing the Best Treatment Plan for You
Now that you’re familiar with the various ways you can pay for addiction treatment, the next step is to choose the ideal rehab program for your needs. Addiction recovery is an individual journey that looks different for each person. To ensure that you get the most out of the process, it’s crucial to make sure that the program you choose aligns with your unique goals. A personalized treatment plan can also help bolster your recovery by taking your own experience with substance use into consideration.
At Mayflower Recovery, we see each patient as the unique individual that they are. This enables us to design a custom-tailored treatment plan that addresses the needs of each patient. Our top-tier detox and inpatient addiction treatment facility in Massachusetts offers a wide range of detox programs to help you break free from the grip of substance abuse. No matter what your background is or what your experience with addiction looks like, our highly trained and compassionate specialists will provide you with the tools and strategies that you need to achieve a full recovery.
We’re committed to making state-of-the-art addiction treatment accessible to more people. That’s why we accept insurance from several major providers to expand payment options for our patients. To learn more about paying for drug or alcohol addiction treatment, feel free to reach out to us today. We’ll be more than happy to discuss insurance plans as well as other payment options that we accept.
Find the Support You Need to Overcome Substance Abuse
There are a number of viable options available to you that can help facilitate the process of paying for addiction treatment. Because each one has its own set of benefits and drawbacks, it’s crucial to consider your own needs and goals to determine which option best aligns with them. In addition to taking your personal budget into account, be sure to look into treatment plans to see which is the best fit for you. This can help you narrow down your options and ultimately choose the most effective payment method for your unique needs.
When researching different rehab facilities and the payment options they offer, be sure to pay special attention to the treatment programs that are available, the amenities that are included and the addiction specialists that they have on staff. Your journey toward sobriety is one area of your life where you don’t want to cut any corners. While it’s important to consider your budget when picking a rehab center, don’t forget to think about what matters most to you in a treatment facility and whether your chosen program fulfills those needs.
Overall, seeking out financial assistance is a vital part of getting the lifesaving care you need. If you have any questions about paying for professional addiction treatment, give Mayflower Recovery a call today.