One of the largest deterrents for individuals receiving the help they need for addiction is finances. Unfortunately, mental health and substance abuse have been viewed in a dim light throughout history. It wasn’t until recently that we’ve come to understand the brain – and we still have far to go. Oddly enough, rates of mental health disorders (including addiction) continue to rise.
We can no longer view these human behaviors as a moral wrongdoing. We need to attack these issues just like any other diseases. The historical stigma surrounding these disorders is a deterrent enough to stop people from reaching out. In order to fully solve this rising problem is to empathize with individuals suffering from mental health disorders and addiction and encourage them to find help.
Even without these social barriers, many individuals find it too difficult to find help. There are often too many responsibilities that need to be maintained or too financially devastating. As a result, millions of Americans continue to live with their pain and suffering, often resulting in a downward collapse. Those suffering from substance use disorders lose their jobs, homes, and family along the way; not to mention their health.
Most people wait until they have hit their “rock bottom,” in which they have so much shame and regret that they finally find the motivation to reach out for help. However, because the addiction has made such a psychological and physical impact on their health, they end up never being able to dig themselves out. To learn more about rehab insurance costs, call us to verify your insurance today.
Advocating for A Change
Here at Coalition Recovery, we are a private treatment facility. The lack of options people had when it came to treatment services astonished us. Even in urban areas, people had no choice but to decide between overpriced facilities with quality care or low-cost facilities with low success rates.
Then we came in. We developed a program utilizing the latest advancements in addiction medicine. By focusing solely on evidence-based therapies instead of the common approach of 12-steps, we were able to maximize the time utilized in treatment, and thus helping us treat more people throughout the year.
By focusing on a select few treatment modalities designed specifically for substance abuse and mental health, we have been able to provide quality treatment at an affordable rate.
We can’t do this alone. Before we began our treatment services, we understood there was still a significant need for available and reliable rehab services. We continue to advocate and educate the public on the benefits of these state-funded programs.
Incarceration rates for non-violent crimes have been shown to be biassed towards minorities. Prisons are meant should rehabilitate, but have not been proven to be effective in such. Treatment alternatives can be a much more viable option for individuals struggling with substance abuse.
Rehab With Insurance Can Still Be Expensive
People often do not understand the cost of addiction rehab services; especially those with insurance coverage. They hear, “Your treatment is covered,” but fail to realize it might not be fully covered. The cost per day for inpatient and residential facilities are often around 800 per day. A typical co-pay is around 18%; meaning you would be responsible for 18% of the medical bill after you have met the deductible (which often ranges from $400 – $10,000). Therefore, for a 60-day stay at an inpatient facility, you would be responsible for $8,640 and your deductible.
This is when you have insurance!
There are often additional services not covered by insurance. For instance, food, lodging, massage therapy, physical therapy, yoga, and experiential therapy can be added onto your medical bill at the end of treatment. Always check and see which services the facility covers under your policy and ensure no additional service fees.
Free Options
One of the most common free addiction services available are group meetings like Alcoholics Anonymous and Narcotics Anonymous. These meetings, run by individuals in recovery, are often readily available in most areas.
This can be a good starting point for your recovery.
However, if you are having a hard time maintaining attendance to these meetings, it might be beneficial to look for a rehab facility. The housing offered through these programs can help sustain your recovery process by eliminating distractions and allowing you to focus on healing.
Free Rehabs Services
Unfortunately, lack of funding limits the availability of free rehab services. If you are lucky enough to reside in an urban area, you may have some available. Free rehab facilities are almost always state-funded. Sadly these facilities are often underfunded and understaffed. For this reason there is often a heavy waitlist timeline prior to admission. Populations within these facilities are often indigent as substance abuse tends to affect this demographic more than others.
However, these free facilities (like DACCO and ACTS in Tampa, Florida) can be a viable option when financial resources or health coverage is not an option.
Funding Possibilities
In an ideal society, anyone who needs clinical treatment would get it without financial barriers. Individuals that do not have coverage or can not manage to pay for the treatment they require for their alcohol use disorder are not out of options.
Rehabilitation scholarships: Sometimes, therapy centers provide scholarships or reduced tuition to those in need. In other cases, local groups may fund these scholarships.
Second Chance: Second Chance may be able to help individuals finance rehabilitation, locate a cost-free rehab program, or discover scholarships.
Unique programs: Facilities that have empty beds in their inpatient rehabilitation organization might agree to trade a scholarship for sure kinds of volunteer services.
Medicaid/Medicare
Some individuals can get cost-free or inexpensive insurance coverage if they meet particular specifications. Medicare is a federal government program that supplies health care protection for those over the age of 65 or with certain disabilities. It is readily available for people regardless of their level of income, however does charge discounted premiums. Medicaid is a state and federal program that provides protection for people that have reduced degrees of income. Both of these programs use substantial coverage for recovery from an alcohol use disorder or various other drug use order. The income criteria to get Medicaid insurance coverage differ from state to state; one can go to the Medicaid site to identify if they qualify for Medicaid and can even utilize the website to register for Medicaid protection.
At the moment of this article, the terms of the Affordable Care Act (Obamacare) ensure that individuals can get some kind of coverage and can not be rejected for pre-existing conditions. Medicaid and Medicare are not accepted by all treatment providers, however one can locate a treatment provider in their area that will accept these kinds of insurance policy. Furthermore, people with reduced incomes can apply for Medicaid, and many establishments that take Medicaid will approve these people into the program while the application process is still being completed. One can go to these web sites and figure out if they qualify to get these benefits and afterwards can call local therapy companies to learn if they accept these kinds of insurance policy.
Some people may be eligible to get both Medicare and Medicaid. Therefore, if one has an impairment, mores than the age of 65, or has various other certifying conditions that might allow them to obtain Medicare, they should attempt to request both Medicare and Medicaid.
COBRA
If you’ve lately lost your employment and want health insurance, you may be qualified for COBRA Consolidated Omnibus Budget Reconciliation Act) which provides workers and their family members the chance to stay on their former employer’s insurance coverage for a limited time. To get COBRA, individuals must meet certain standards to register in the program including having insurance policy that is covered by COBRA, going through a qualifying event (e.g. employment loss) and be a qualified beneficiary.
After a separation, your employer will inform you of your qualification to preserve your insurance policy with COBRA and you’ll have 60 days to choose if you want to take part. Nonetheless, your insurance coverage will set you back greater than you previously paid as you’ll now be paying for the total costs rather than sharing the expense with your company plus a 2% administrative fee.
If you decide to continue with COBRA, your insurance coverage will not change unless your company modifications or finishes the employee benefits program. This will likewise consist of any type of mental health or drug abuse therapy protection. You will be able to obtain ongoing insurance coverage benefits from a previous employer between 18 to 36 months with COBRA.
Luckily, as soon as enlisted, if you are seeking rehab for dependency, you will still be able to utilize your benefits to get treatment. You’ll need just fill out a COBRA election form first and pay your premium and you can get going on your path toward healing.
Verify Your Insurance Coverage Benefits
You can effortlessly and promptly check if your insurance policy covers therapy at Coalition Recovery by submitting the confidential form below.
Low Cost Options
If you are looking for a higher level of care or a higher quality of care, you might want to consider low-cost or affordable rehab services. These facilities will often have more availability than state-run and provide a more personalized program. With affordable rehabs, you will be able to receive targeted treatment without breaking the bank.
However, the hard part is finding these facilities. The cost of treatment will vary depending on the individual and the treatment they require. This means having to call and find this price which can be exhausting.
To make this search less stressful, here is a good guide helping you know what to look for when looking for quality care. By ensuring they have these qualifications, you can narrow down your search and save you some time.
Coalition Recovery is proof that low-cost does not have to mean low-quality of care. By focusing on the treatment instead of the luxury amenities often associated with places like Passages Malibu, we have been able to bring our professional treatment services to a broader population.
What Factors Into the Cost of Substance Abuse Therapy?
There are numerous factors that impact the price of rehabilitation. Several of the predominant factors include:
Type of Center
There is a big divide in the cost of inpatient and outpatient programs. The costs of inpatient programs are higher because the costs of housing and intensive care are higher.
The cost of these programs additionally depends upon the length of the program and location. A center in a state with a higher price of living, like California, can be more costly.
Treatments Offered
Some individuals do not require clinical detox when they begin rehabilitation. Cocaine users typically do not experience unsafe withdrawals when they quit using, so there is no specialized detoxification other than being monitored. However alcohol and heroin users often experience extreme withdrawals during detox and typically need medicine.
Those calling for a lot more medical care have a tendency to pay even more for rehab. Specific therapies like professional counseling likewise influence how much you can pay.
Amenities
The features provided by a rehabilitation do not come free of cost. Services might include massage therapies, acupuncture, pool, tennis courts, big private areas or acclaimed chefs. Luxury facilities normally frequented by the rich and famous are expensive due to amenities.
High-end centers can cost tens of hundreds of dollars per month. While many rehabilitations aren’t this costly, more amenities imply a higher price tag.
Low Cost Drug and Alcohol Rehab in Tampa, Florida
We offer affordable treatment here at Coalition Recovery. If you have a large out-of-pocket within your insurance or are not covered; Coalition Recovery is a great choice. We offer highly individualized programs, medication assisted treatment, evidence based therapies, and extensive aftercare programs – all for an affordable rate, compared to the other facilities in the area.
We also try to tailor a specific program designed to fit your lifestyle. A job, your family, or your savings should not sacrifice for your recovery. Learn how you can achieve long-lasting happiness and health through Coalition Recovery.
