More than 21 million Americans have a substance use disorder, making it one of the most pervasive public health problems in the country. In 2018, approximately 67,000 people died of a drug or alcohol-related overdose. Similarly, more than one million Americans were arrested for drug violations in that same year. The United States currently has more than two million prisoners locked up in jails with nearly 500,000 of them serving time for drug violations. A whopping $47 billion is spent on the War on Drug annually. And, with the strains of today’s world, such as COVID-19, high unemployment rates, and a struggling economy, rates of substance abuse are only expected to climb. That means that overdoses, arrests, and mental and physical health problems will likely climb as well. Fortunately, those who are experiencing drug addiction do not need to become just another statistic. There are ways to obtain life-saving help. Two of these options include insurance-based and private pay drug rehab.

Attending Drug Rehab

If you are one of the millions of Americans grappling with a substance use disorder, then you know how difficult it is to stop using – even if you want to. You may have even tried to end your addiction on your own but have struggled to maintain your sobriety. Getting involved in a professional drug treatment program is a priceless option, as doing so can help you uncover the root causes of your substance use disorder and allow you to develop healthy and effective skills that will keep you from using in the future. 

If you decide to reach out for help through an alternative drug rehab, there are several things to considering gathering more information about prior to beginning your care, including the following:

  • Your potential length of stay
  • The medical and mental health specialists who will be treating you
  • The kinds of therapeutic methods used 
  • Information regarding anything medical (including detox and medication management)

These are just some of the many things that you will want to learn more about before beginning your treatment program. One of the most important factors that you will want to iron out before joining an insurance-based or private pay drug rehab is how you will pay for it. 

Drug Rehab Payment Options

The cost of drug treatment has historically served as a deterrent to those who need help, as it can cost thousands of dollars. Many have never even considered going to treatment because they either do not have insurance and/or money due to the ramifications of their addiction or the hard reality of their socioeconomic status. Thankfully, however, there are ways that people in even the most difficult situations can obtain the treatment they need to save their lives. These include rehab covered by insurance and private pay drug rehab centers.

Insurance-Based Drug Rehab 

The easiest, most hassle-free way to pay for treatment is through the use of an insurance plan. The majority of insurance companies, including Blue Cross Blue Shield, Aetna, and Cigna, provide partial or full coverage for nearly all substance use disorder treatments. This is a fairly new option, as insurance companies traditionally did not cover any services related to substance use disorders due to the heavy stigma that addiction was a choice and not a disease. However, now that more people are educated about addiction as a disease, many insurance companies have followed suit and are recognizing it as such. 

If you are employed and have insurance, you have options. You can either find a treatment center that is in-network, utilize waivers in order to attend a treatment center that is out-of-network, or pick your own addiction treatment provider. These options depend on your specific insurance plan and what it allows, so be sure to contact your insurance provider and learn more about what the possibilities and limitations with your plan are. Once you determine which treatment center you will be attending, you can start to get a better idea of what out-of-pocket costs you may need to cover, if any. 

If you are not insured, you may be able to utilize insurance to cover the costs of rehab through the Affordable Care Act. The Affordable Care Act (also known as ACA or simply Obamacare) is designed to lower the costs of healthcare for people of lower-income. In order to receive benefits from the Affordable Care Act, you must:

  • Not make more than 138% above the poverty line
  • Not be covered by your employer
  • Be uninsured due to unemployment 
  • Be an immediate family member (such as a spouse or child) of someone who meets any of the above-listed criteria and is not personally insured

The Affordable Care Act allows you to purchase a health insurance plan that is based on your economic ability so that you can receive care from addiction treatment programs as well as other forms of healthcare at an affordable rate.

Private Pay Drug Rehab

Private pay drug rehab is a much different option than insurance-based drug rehab simply because all of the cost is out-of-pocket. Many drug rehabs offer private pay options as well as insurance-based options, however, there are some drug rehabs that only accept private pay. In this case, there are a few ways to cover the cost.

It is not uncommon for someone looking to attend a private pay drug rehab to come from a family that is wealthy, making the stressors of affording rehab not too stressful at all. When this is the case, treatment is paid for upfront so that all services are covered.  

Since this is only an option for a small percentage of people, most private pay drug rehabs also provide financing options. This allows people to take out a loan and pay it back a little bit at a time to cover the costs of their treatment. Of course, the idea of taking on debt can be anxiety-provoking for most, however, looking at treatment as an investment in your future is critical. If this is your only option, or the one you are most comfortable with, taking on that debt can turn out to be worth it, as doing so may just save your life.

Do You Need Professional Addiction Treatment?

No matter what your financial situation is, there is help available for you. If you are ready to stop using and get the help you need, then reach out to us right now. We can get you on the road to recovery. Call us today to discuss how you can pay for rehab.


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