Payment Assistance for Rehab: Do You Even Need it When You Have Insurance?

Choosing to enter rehab is the best choice you can make for yourself if you are struggling with addiction. Having insurance that covers your treatment will go a long way towards putting you on the path to a solid recovery, but you might need more financial assistance than you might initially think.

Why Would I Need Payment Assistance for Rehab?

While Medicaid and other health insurance programs must provide coverage for the treatment of addiction and substance abuse disorders, this does not always mean that inpatient treatment is fully covered. In this instance, you may need financial help to pay the entire costs of your stay in an inpatient facility.

Rehab doesn’t just cover medical supervision and assessment – you will also gain access to therapists who can help you address your addiction and start working towards building coping mechanisms that are not built on substance abuse. It is a multi-faceted approach to medical treatment that considers the whole person and requires the expert advice of several different medical professionals over an extended period of time.

What Payment Assistance is Available?

Depending on the facility, you may have several options for payment assistance when you enter rehab. Some treatment centers may work with you on a sliding scale to cover the rest of the costs of your stay that are not paid for by your insurance. Others may provide grants and low-interest loans to help you fully pay for your treatment without causing you financial difficulty in an already stressful time.

If you are eligible for Medicare in your area, you should apply as soon as possible. Medicare Part A will cover inpatient treatment in approved facilities so long as your doctor provides evidence that rehab is medically necessary and develops a treatment plan for you. You may still have out of pocket costs, however, and you will need to speak to the treatment facility about how to best cover these.

You may also want to speak with your bank or credit union about receiving a credit card or loan to cover any gaps leftover after your insurance plan has covered some of the costs.

Don’t let concerns about the cost of rehab (even with insurance) put you off from seeking help and working towards a sober life. If you’re ready to get the help you need, talk to the the counselors at our rehab facilities and explore the payment assistance they offer to patients. Your health and well-being are the first asset in your life; make sure you invest in them properly.

Get started now, call us today:  844-927-9137

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